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		<nameOfIssuer>AT&amp;T INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>00206R102</cusip>
		<value>5816</value>
		<shrsOrPrnAmt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>118550</Sole>
			<Shared>0</Shared>
			<None>18189</None>
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	<infoTable>
		<nameOfIssuer>AT&amp;T INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>00206R102</cusip>
		<value>805</value>
		<shrsOrPrnAmt>
			<sshPrnamt>18934</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>14479</Sole>
			<Shared>0</Shared>
			<None>4455</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ABBOTT LABORATORIES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>002824100</cusip>
		<value>1621</value>
		<shrsOrPrnAmt>
			<sshPrnamt>42212</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>35721</Sole>
			<Shared>0</Shared>
			<None>6491</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ABBOTT LABORATORIES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>002824100</cusip>
		<value>184</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4790</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>4307</Sole>
			<Shared>0</Shared>
			<None>483</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ABBVIE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>00287Y109</cusip>
		<value>194</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3096</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>700</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>
		</shrsOrPrnAmt>
		<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>1933</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2504</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2261</Sole>
			<Shared>0</Shared>
			<None>243</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ALPHABET INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>02079K107</cusip>
		<value>213</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>5191</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6550</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5905</Sole>
			<Shared>0</Shared>
			<None>645</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ALPHABET INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>02079K305</cusip>
		<value>761</value>
		<shrsOrPrnAmt>
			<sshPrnamt>960</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>676</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>156</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2309</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2009</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>216</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3200</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<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>6088</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8119</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7251</Sole>
			<Shared>0</Shared>
			<None>868</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>AMAZON.COM INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>023135106</cusip>
		<value>974</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1299</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>887</Sole>
			<Shared>0</Shared>
			<None>412</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AMGEN INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>031162100</cusip>
		<value>2460</value>
		<shrsOrPrnAmt>
			<sshPrnamt>16822</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>14802</Sole>
			<Shared>0</Shared>
			<None>2020</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>AMGEN INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>031162100</cusip>
		<value>278</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1903</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1697</Sole>
			<Shared>0</Shared>
			<None>206</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>APPLE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>037833100</cusip>
		<value>7363</value>
		<shrsOrPrnAmt>
			<sshPrnamt>63572</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>55604</Sole>
			<Shared>0</Shared>
			<None>7968</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>APPLE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>037833100</cusip>
		<value>1167</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10073</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>6900</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>1221</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17382</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>15257</Sole>
			<Shared>0</Shared>
			<None>2125</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>AVERY DENNISON CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>053611109</cusip>
		<value>307</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4372</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2465</Sole>
			<Shared>0</Shared>
			<None>1907</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BANK OF AMERICA CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>060505104</cusip>
		<value>212</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9585</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2835</Sole>
			<Shared>0</Shared>
			<None>6750</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BANK OF AMERICA CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>060505104</cusip>
		<value>10</value>
		<shrsOrPrnAmt>
			<sshPrnamt>436</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>436</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BERKSHIRE HATHAWAY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>084670702</cusip>
		<value>6456</value>
		<shrsOrPrnAmt>
			<sshPrnamt>39611</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>34073</Sole>
			<Shared>0</Shared>
			<None>5538</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BERKSHIRE HATHAWAY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>084670702</cusip>
		<value>725</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4447</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3315</Sole>
			<Shared>0</Shared>
			<None>1132</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BIOMARIN PHARMACEUTICAL INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>09061G101</cusip>
		<value>1969</value>
		<shrsOrPrnAmt>
			<sshPrnamt>23763</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>21225</Sole>
			<Shared>0</Shared>
			<None>2538</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BIOMARIN PHARMACEUTICAL INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>09061G101</cusip>
		<value>270</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3262</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2510</Sole>
			<Shared>0</Shared>
			<None>752</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BIOLARGO INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>09065A100</cusip>
		<value>97</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>BORGWARNER INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>099724106</cusip>
		<value>2677</value>
		<shrsOrPrnAmt>
			<sshPrnamt>67872</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>60852</Sole>
			<Shared>0</Shared>
			<None>7020</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BORGWARNER INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>099724106</cusip>
		<value>168</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4257</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3757</Sole>
			<Shared>0</Shared>
			<None>500</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BOSTON SCIENTIFIC CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>101137107</cusip>
		<value>2640</value>
		<shrsOrPrnAmt>
			<sshPrnamt>122039</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>109408</Sole>
			<Shared>0</Shared>
			<None>12631</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BOSTON SCIENTIFIC CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>101137107</cusip>
		<value>346</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15999</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>12249</Sole>
			<Shared>0</Shared>
			<None>3750</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>110122108</cusip>
		<value>5735</value>
		<shrsOrPrnAmt>
			<sshPrnamt>98135</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>88213</Sole>
			<Shared>0</Shared>
			<None>9922</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>110122108</cusip>
		<value>338</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5781</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>5254</Sole>
			<Shared>0</Shared>
			<None>527</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>126650100</cusip>
		<value>532</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6744</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>42</Sole>
			<Shared>0</Shared>
			<None>6702</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>126650100</cusip>
		<value>7</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>2337</value>
		<shrsOrPrnAmt>
			<sshPrnamt>25194</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>22281</Sole>
			<Shared>0</Shared>
			<None>2913</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>149123101</cusip>
		<value>457</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4929</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3250</Sole>
			<Shared>0</Shared>
			<None>1679</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHARTER COMMUNICATIONS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>16119P108</cusip>
		<value>2924</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10157</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>9142</Sole>
			<Shared>0</Shared>
			<None>1015</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHARTER COMMUNICATIONS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>16119P108</cusip>
		<value>388</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1346</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1063</Sole>
			<Shared>0</Shared>
			<None>283</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHEVRON CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>166764100</cusip>
		<value>4153</value>
		<shrsOrPrnAmt>
			<sshPrnamt>35288</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>30124</Sole>
			<Shared>0</Shared>
			<None>5164</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHEVRON CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>166764100</cusip>
		<value>910</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7735</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>6242</Sole>
			<Shared>0</Shared>
			<None>1493</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>17275R102</cusip>
		<value>178</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5885</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>64</Sole>
			<Shared>0</Shared>
			<None>5821</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>17275R102</cusip>
		<value>24</value>
		<shrsOrPrnAmt>
			<sshPrnamt>800</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>800</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CITIGROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>172967424</cusip>
		<value>4782</value>
		<shrsOrPrnAmt>
			<sshPrnamt>80471</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>71999</Sole>
			<Shared>0</Shared>
			<None>8472</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CITIGROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>172967424</cusip>
		<value>553</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9301</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>7546</Sole>
			<Shared>0</Shared>
			<None>1755</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GUGGENHEIM</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>18383M381</cusip>
		<value>252</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>279</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>50</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>1158</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>3636</value>
		<shrsOrPrnAmt>
			<sshPrnamt>52664</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>46862</Sole>
			<Shared>0</Shared>
			<None>5802</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COMCAST CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>20030N101</cusip>
		<value>384</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5554</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>4919</Sole>
			<Shared>0</Shared>
			<None>635</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>20825C104</cusip>
		<value>2630</value>
		<shrsOrPrnAmt>
			<sshPrnamt>52453</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>46504</Sole>
			<Shared>0</Shared>
			<None>5949</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>20825C104</cusip>
		<value>383</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7636</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>5643</Sole>
			<Shared>0</Shared>
			<None>1993</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CORELOGIC INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>21871D103</cusip>
		<value>1179</value>
		<shrsOrPrnAmt>
			<sshPrnamt>32016</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>32016</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WALT DISNEY COMPANY/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>254687106</cusip>
		<value>2651</value>
		<shrsOrPrnAmt>
			<sshPrnamt>25434</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>22004</Sole>
			<Shared>0</Shared>
			<None>3430</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WALT DISNEY COMPANY/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>254687106</cusip>
		<value>612</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5872</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3099</Sole>
			<Shared>0</Shared>
			<None>2773</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DISCOVERY COMMUNICATIONS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>25470F104</cusip>
		<value>2239</value>
		<shrsOrPrnAmt>
			<sshPrnamt>81692</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>73217</Sole>
			<Shared>0</Shared>
			<None>8475</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DISCOVERY COMMUNICATIONS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>25470F104</cusip>
		<value>144</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5240</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>4440</Sole>
			<Shared>0</Shared>
			<None>800</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DOW CHEMICAL CO/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>260543103</cusip>
		<value>817</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14282</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>12947</Sole>
			<Shared>0</Shared>
			<None>1335</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DUKE ENERGY CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>26441C204</cusip>
		<value>90</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1164</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>372</Sole>
			<Shared>0</Shared>
			<None>792</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DUKE ENERGY CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>26441C204</cusip>
		<value>305</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3930</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3491</Sole>
			<Shared>0</Shared>
			<None>439</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EOG RESOURCES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>26875P101</cusip>
		<value>3488</value>
		<shrsOrPrnAmt>
			<sshPrnamt>34502</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>30643</Sole>
			<Shared>0</Shared>
			<None>3859</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EOG RESOURCES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>26875P101</cusip>
		<value>413</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4081</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3676</Sole>
			<Shared>0</Shared>
			<None>405</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EDISON</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>281020107</cusip>
		<value>3178</value>
		<shrsOrPrnAmt>
			<sshPrnamt>44147</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>39546</Sole>
			<Shared>0</Shared>
			<None>4601</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EDISON</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>281020107</cusip>
		<value>391</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5426</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>4017</Sole>
			<Shared>0</Shared>
			<None>1409</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>30231G102</cusip>
		<value>5316</value>
		<shrsOrPrnAmt>
			<sshPrnamt>58892</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>46896</Sole>
			<Shared>0</Shared>
			<None>11996</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>30231G102</cusip>
		<value>902</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9995</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>8920</Sole>
			<Shared>0</Shared>
			<None>1075</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FACEBOOK INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>30303M102</cusip>
		<value>3998</value>
		<shrsOrPrnAmt>
			<sshPrnamt>34754</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>30913</Sole>
			<Shared>0</Shared>
			<None>3841</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FACEBOOK INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>30303M102</cusip>
		<value>514</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4468</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3123</Sole>
			<Shared>0</Shared>
			<None>1345</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FIRST AMERICAN FINANCIAL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>31847R102</cusip>
		<value>1127</value>
		<shrsOrPrnAmt>
			<sshPrnamt>30769</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>30769</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FIRSTENERGY CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>337932107</cusip>
		<value>2311</value>
		<shrsOrPrnAmt>
			<sshPrnamt>74615</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>66445</Sole>
			<Shared>0</Shared>
			<None>8170</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FIRSTENERGY CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>337932107</cusip>
		<value>264</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>2683</value>
		<shrsOrPrnAmt>
			<sshPrnamt>84910</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>70755</Sole>
			<Shared>0</Shared>
			<None>14155</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GENERAL ELECTRIC CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>369604103</cusip>
		<value>515</value>
		<shrsOrPrnAmt>
			<sshPrnamt>16288</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>14079</Sole>
			<Shared>0</Shared>
			<None>2209</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>372460105</cusip>
		<value>4702</value>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>49213</Sole>
			<Shared>0</Shared>
			<None>0</None>
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		<nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>38141G104</cusip>
		<value>4914</value>
		<shrsOrPrnAmt>
			<sshPrnamt>20523</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>18332</Sole>
			<Shared>0</Shared>
			<None>2191</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>38141G104</cusip>
		<value>624</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2608</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1958</Sole>
			<Shared>0</Shared>
			<None>650</None>
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		<nameOfIssuer>HINES REAL ESTATE INVESTMENT</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>433264108</cusip>
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		<shrsOrPrnAmt>
			<sshPrnamt>13390</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<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>187</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1397</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>593</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>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>
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		<nameOfIssuer>HONEYWELL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>438516106</cusip>
		<value>3458</value>
		<shrsOrPrnAmt>
			<sshPrnamt>29848</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>26707</Sole>
			<Shared>0</Shared>
			<None>3141</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>HONEYWELL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>438516106</cusip>
		<value>444</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3833</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3384</Sole>
			<Shared>0</Shared>
			<None>449</None>
		</votingAuthority>
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		<nameOfIssuer>INTEL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>458140100</cusip>
		<value>199</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5492</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>102</Sole>
			<Shared>0</Shared>
			<None>5390</None>
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	<infoTable>
		<nameOfIssuer>INTEL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>458140100</cusip>
		<value>117</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3230</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3230</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>INTL BUSINESS MACHINES CORP</nameOfIssuer>
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			<sshPrnamt>25671</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>22296</Sole>
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			<None>3375</None>
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	<infoTable>
		<nameOfIssuer>INTL BUSINESS MACHINES CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
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			<sshPrnamt>3397</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2534</Sole>
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			<None>863</None>
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		<nameOfIssuer>ISHARES</nameOfIssuer>
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		<cusip>464287168</cusip>
		<value>12665</value>
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			<sshPrnamt>142997</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>80183</Sole>
			<Shared>0</Shared>
			<None>62814</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464287168</cusip>
		<value>677</value>
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			<sshPrnamt>7642</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>7642</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>464287226</cusip>
		<value>12114</value>
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			<sshPrnamt>112107</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>71145</Sole>
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			<None>40962</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>464287226</cusip>
		<value>129</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1193</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1193</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>464287242</cusip>
		<value>7052</value>
		<shrsOrPrnAmt>
			<sshPrnamt>60177</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>37832</Sole>
			<Shared>0</Shared>
			<None>22345</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>464287242</cusip>
		<value>77</value>
		<shrsOrPrnAmt>
			<sshPrnamt>654</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>654</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464287408</cusip>
		<value>344</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3392</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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			<None>871</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>464287432</cusip>
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		<shrsOrPrnAmt>
			<sshPrnamt>45953</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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			<None>43796</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
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		<cusip>464287440</cusip>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
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		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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			<None>6470</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
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		<value>862</value>
		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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			<None>3723</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
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		<value>10</value>
		<shrsOrPrnAmt>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
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		<value>223</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2100</sshPrnamt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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			<None>537</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
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		<cusip>464288877</cusip>
		<value>113</value>
		<shrsOrPrnAmt>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>464289511</cusip>
		<value>5254</value>
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			<sshPrnamt>89500</sshPrnamt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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	<infoTable>
		<nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>14106</Sole>
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			<None>1497</None>
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	<infoTable>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>37893</Sole>
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			<None>6779</None>
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	<infoTable>
		<nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
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			<None>1576</None>
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	<infoTable>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>20299</Sole>
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			<None>4044</None>
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	<infoTable>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
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			<None>534</None>
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	<infoTable>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>33263</Sole>
			<Shared>0</Shared>
			<None>4699</None>
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		<nameOfIssuer>KRAFT HEINZ CO COM</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>500754106</cusip>
		<value>475</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5438</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3964</Sole>
			<Shared>0</Shared>
			<None>1474</None>
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		<nameOfIssuer>MARATHON OIL CORP</nameOfIssuer>
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		<cusip>565849106</cusip>
		<value>2943</value>
		<shrsOrPrnAmt>
			<sshPrnamt>170013</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>151322</Sole>
			<Shared>0</Shared>
			<None>18691</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>MARATHON OIL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>565849106</cusip>
		<value>346</value>
		<shrsOrPrnAmt>
			<sshPrnamt>19962</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>15998</Sole>
			<Shared>0</Shared>
			<None>3964</None>
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		<nameOfIssuer>MCDONALD'S CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>580135101</cusip>
		<value>4810</value>
		<shrsOrPrnAmt>
			<sshPrnamt>39518</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>35199</Sole>
			<Shared>0</Shared>
			<None>4319</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>MCDONALD'S CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>580135101</cusip>
		<value>512</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4206</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3719</Sole>
			<Shared>0</Shared>
			<None>487</None>
		</votingAuthority>
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		<nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>594918104</cusip>
		<value>5816</value>
		<shrsOrPrnAmt>
			<sshPrnamt>93592</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>79761</Sole>
			<Shared>0</Shared>
			<None>13831</None>
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	<infoTable>
		<nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>594918104</cusip>
		<value>1103</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17747</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>15036</Sole>
			<Shared>0</Shared>
			<None>2711</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>MICRON TECHNOLOGY INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>595112103</cusip>
		<value>2367</value>
		<shrsOrPrnAmt>
			<sshPrnamt>107994</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>96591</Sole>
			<Shared>0</Shared>
			<None>11403</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>MICRON TECHNOLOGY INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>595112103</cusip>
		<value>301</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13750</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>10857</Sole>
			<Shared>0</Shared>
			<None>2893</None>
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		<nameOfIssuer>MOSAIC CO/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>61945C103</cusip>
		<value>4228</value>
		<shrsOrPrnAmt>
			<sshPrnamt>144138</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>128426</Sole>
			<Shared>0</Shared>
			<None>15712</None>
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	<infoTable>
		<nameOfIssuer>MOSAIC CO/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>61945C103</cusip>
		<value>426</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14523</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>12999</Sole>
			<Shared>0</Shared>
			<None>1524</None>
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		<nameOfIssuer>NOVARTIS AG-ADR</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>66987V109</cusip>
		<value>325</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4464</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4384</Sole>
			<Shared>0</Shared>
			<None>80</None>
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		<nameOfIssuer>ORACLE CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>68389X105</cusip>
		<value>2286</value>
		<shrsOrPrnAmt>
			<sshPrnamt>59457</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>51598</Sole>
			<Shared>0</Shared>
			<None>7859</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ORACLE CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>68389X105</cusip>
		<value>266</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6923</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>6207</Sole>
			<Shared>0</Shared>
			<None>716</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PEPSICO INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>713448108</cusip>
		<value>5782</value>
		<shrsOrPrnAmt>
			<sshPrnamt>55260</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>44755</Sole>
			<Shared>0</Shared>
			<None>10505</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PEPSICO INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>713448108</cusip>
		<value>829</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7920</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>5796</Sole>
			<Shared>0</Shared>
			<None>2124</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PFIZER INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>717081103</cusip>
		<value>4160</value>
		<shrsOrPrnAmt>
			<sshPrnamt>128064</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>115256</Sole>
			<Shared>0</Shared>
			<None>12808</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PFIZER INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>717081103</cusip>
		<value>754</value>
		<shrsOrPrnAmt>
			<sshPrnamt>23211</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>18940</Sole>
			<Shared>0</Shared>
			<None>4271</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>718172109</cusip>
		<value>174</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1900</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>400</Sole>
			<Shared>0</Shared>
			<None>1500</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>718172109</cusip>
		<value>110</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1200</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1200</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PHILLIPS 66</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>718546104</cusip>
		<value>178</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2059</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2011</Sole>
			<Shared>0</Shared>
			<None>48</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PHILLIPS 66</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>718546104</cusip>
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		<shrsOrPrnAmt>
			<sshPrnamt>400</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>400</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>POWERSHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>73935X682</cusip>
		<value>660</value>
		<shrsOrPrnAmt>
			<sshPrnamt>25402</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>18916</Sole>
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			<None>6486</None>
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	<infoTable>
		<nameOfIssuer>POWERSHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>73935X716</cusip>
		<value>2037</value>
		<shrsOrPrnAmt>
			<sshPrnamt>141386</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>78226</Sole>
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			<None>63160</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>POWERSHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>73935X716</cusip>
		<value>187</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12985</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>12985</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>POWERSHARES</nameOfIssuer>
		<titleOfClass>COMMODITIES ETF</titleOfClass>
		<cusip>73936D107</cusip>
		<value>395</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14912</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10065</Sole>
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			<None>4847</None>
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	<infoTable>
		<nameOfIssuer>POWERSHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>73937B779</cusip>
		<value>465</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11188</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>8306</Sole>
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			<None>2882</None>
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	<infoTable>
		<nameOfIssuer>POWERSHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>73937B829</cusip>
		<value>287</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7856</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5843</Sole>
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			<None>2013</None>
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	<infoTable>
		<nameOfIssuer>PROCTER &amp; GAMBLE CO/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>742718109</cusip>
		<value>5402</value>
		<shrsOrPrnAmt>
			<sshPrnamt>64246</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>55649</Sole>
			<Shared>0</Shared>
			<None>8597</None>
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	<infoTable>
		<nameOfIssuer>PROCTER &amp; GAMBLE CO/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>742718109</cusip>
		<value>625</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7438</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>5647</Sole>
			<Shared>0</Shared>
			<None>1791</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PRUDENTIAL FINANCIAL INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>744320102</cusip>
		<value>4312</value>
		<shrsOrPrnAmt>
			<sshPrnamt>41441</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>36909</Sole>
			<Shared>0</Shared>
			<None>4532</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PRUDENTIAL FINANCIAL INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>744320102</cusip>
		<value>445</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4273</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3487</Sole>
			<Shared>0</Shared>
			<None>786</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>QUALCOMM INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>747525103</cusip>
		<value>3645</value>
		<shrsOrPrnAmt>
			<sshPrnamt>55900</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>49493</Sole>
			<Shared>0</Shared>
			<None>6407</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>QUALCOMM INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>747525103</cusip>
		<value>468</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7183</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>5567</Sole>
			<Shared>0</Shared>
			<None>1616</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>QUEST DIAGNOSTICS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>74834L100</cusip>
		<value>403</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4389</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>26</Sole>
			<Shared>0</Shared>
			<None>4363</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>RALPH LAUREN CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>751212101</cusip>
		<value>1973</value>
		<shrsOrPrnAmt>
			<sshPrnamt>21846</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>19592</Sole>
			<Shared>0</Shared>
			<None>2254</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>RALPH LAUREN CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>751212101</cusip>
		<value>82</value>
		<shrsOrPrnAmt>
			<sshPrnamt>906</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>906</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>78462F103</cusip>
		<value>488</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2182</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2182</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>COMMODITIES ETF</titleOfClass>
		<cusip>78463V107</cusip>
		<value>218</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1985</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1985</None>
		</votingAuthority>
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	<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>2318</value>
		<shrsOrPrnAmt>
			<sshPrnamt>19476</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10878</Sole>
			<Shared>0</Shared>
			<None>8598</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>78464A300</cusip>
		<value>99</value>
		<shrsOrPrnAmt>
			<sshPrnamt>828</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>828</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>SIMON PROPERTY GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>828806109</cusip>
		<value>2861</value>
		<shrsOrPrnAmt>
			<sshPrnamt>16105</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>14548</Sole>
			<Shared>0</Shared>
			<None>1557</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SIMON PROPERTY GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>828806109</cusip>
		<value>378</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2129</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1624</Sole>
			<Shared>0</Shared>
			<None>505</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>TARGET CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>87612E106</cusip>
		<value>2481</value>
		<shrsOrPrnAmt>
			<sshPrnamt>34342</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>30160</Sole>
			<Shared>0</Shared>
			<None>4182</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>TARGET CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>87612E106</cusip>
		<value>277</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3832</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3409</Sole>
			<Shared>0</Shared>
			<None>423</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>883556102</cusip>
		<value>1342</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9513</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>8426</Sole>
			<Shared>0</Shared>
			<None>1087</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>883556102</cusip>
		<value>221</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1565</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1450</Sole>
			<Shared>0</Shared>
			<None>115</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>3M CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>88579Y101</cusip>
		<value>201</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1125</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>400</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>54</value>
		<shrsOrPrnAmt>
			<sshPrnamt>300</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>300</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>TWITTER INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>90184L102</cusip>
		<value>2134</value>
		<shrsOrPrnAmt>
			<sshPrnamt>130915</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>117333</Sole>
			<Shared>0</Shared>
			<None>13582</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TWITTER INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>90184L102</cusip>
		<value>152</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9332</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>8236</Sole>
			<Shared>0</Shared>
			<None>1096</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>TYSON FOODS INC-CL A</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>902494103</cusip>
		<value>36</value>
		<shrsOrPrnAmt>
			<sshPrnamt>585</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>293</Sole>
			<Shared>0</Shared>
			<None>292</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TYSON FOODS INC-CL A</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>902494103</cusip>
		<value>204</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3301</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2047</Sole>
			<Shared>0</Shared>
			<None>1254</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>US BANCORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>902973304</cusip>
		<value>52</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1019</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1019</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>US BANCORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>902973304</cusip>
		<value>168</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3267</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3267</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>UNITED RENTALS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>911363109</cusip>
		<value>2511</value>
		<shrsOrPrnAmt>
			<sshPrnamt>23786</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>21298</Sole>
			<Shared>0</Shared>
			<None>2488</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UNITED RENTALS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>911363109</cusip>
		<value>358</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3392</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2392</Sole>
			<Shared>0</Shared>
			<None>1000</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
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		<shrsOrPrnAmt>
			<sshPrnamt>13635</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>11989</Sole>
			<Shared>0</Shared>
			<None>1646</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
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		<value>475</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2971</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1438</Sole>
			<Shared>0</Shared>
			<None>1533</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>921937819</cusip>
		<value>221</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2665</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1983</Sole>
			<Shared>0</Shared>
			<None>682</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>ALTERNATIVE ETF</titleOfClass>
		<cusip>922908553</cusip>
		<value>2252</value>
		<shrsOrPrnAmt>
			<sshPrnamt>27281</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>15098</Sole>
			<Shared>0</Shared>
			<None>12183</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>ALTERNATIVE ETF</titleOfClass>
		<cusip>922908553</cusip>
		<value>112</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1360</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1360</Sole>
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			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>922908744</cusip>
		<value>9906</value>
		<shrsOrPrnAmt>
			<sshPrnamt>106510</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>60915</Sole>
			<Shared>0</Shared>
			<None>45595</None>
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	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>922908744</cusip>
		<value>489</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5257</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>5257</Sole>
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			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
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		<value>157</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2946</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>417</Sole>
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			<None>2529</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>92343V104</cusip>
		<value>63</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1178</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1178</Sole>
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			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VISA INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>92826C839</cusip>
		<value>3051</value>
		<shrsOrPrnAmt>
			<sshPrnamt>39103</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>34030</Sole>
			<Shared>0</Shared>
			<None>5073</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VISA INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>92826C839</cusip>
		<value>492</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6307</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>4891</Sole>
			<Shared>0</Shared>
			<None>1416</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WELLS FARGO &amp; CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>949746101</cusip>
		<value>3154</value>
		<shrsOrPrnAmt>
			<sshPrnamt>57229</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>47000</Sole>
			<Shared>0</Shared>
			<None>10229</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WELLS FARGO &amp; CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>949746101</cusip>
		<value>293</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5312</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>4746</Sole>
			<Shared>0</Shared>
			<None>566</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WYNN RESORTS LTD</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>983134107</cusip>
		<value>1547</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17878</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>15924</Sole>
			<Shared>0</Shared>
			<None>1954</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WYNN RESORTS LTD</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>983134107</cusip>
		<value>212</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2454</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1934</Sole>
			<Shared>0</Shared>
			<None>520</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>XPO LOGISTICS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>983793100</cusip>
		<value>1897</value>
		<shrsOrPrnAmt>
			<sshPrnamt>43963</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>38818</Sole>
			<Shared>0</Shared>
			<None>5145</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>XPO LOGISTICS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>983793100</cusip>
		<value>338</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7820</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>5608</Sole>
			<Shared>0</Shared>
			<None>2212</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ZIMMER HOLDINGS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>98956P102</cusip>
		<value>517</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5011</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4615</Sole>
			<Shared>0</Shared>
			<None>396</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ZIMMER HOLDINGS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>98956P102</cusip>
		<value>4</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>3282</value>
		<shrsOrPrnAmt>
			<sshPrnamt>48920</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>43623</Sole>
			<Shared>0</Shared>
			<None>5297</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EATON CORP PLC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>G29183103</cusip>
		<value>402</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5998</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>4516</Sole>
			<Shared>0</Shared>
			<None>1482</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHUBB LTD</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>H1467J104</cusip>
		<value>2088</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15802</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>13809</Sole>
			<Shared>0</Shared>
			<None>1993</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHUBB LTD</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>H1467J104</cusip>
		<value>367</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2774</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2089</Sole>
			<Shared>0</Shared>
			<None>685</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NXP SEMICONDUCTORS NV</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>N6596X109</cusip>
		<value>1350</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13771</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>12185</Sole>
			<Shared>0</Shared>
			<None>1586</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NXP SEMICONDUCTORS NV</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>N6596X109</cusip>
		<value>162</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1648</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1481</Sole>
			<Shared>0</Shared>
			<None>167</None>
		</votingAuthority>
	</infoTable>
</informationTable>
