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	<infoTable>
		<nameOfIssuer>AT&amp;T INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>00206R102</cusip>
		<value>4908</value>
		<shrsOrPrnAmt>
			<sshPrnamt>152852</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>130936</Sole>
			<Shared>0</Shared>
			<None>21916</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>AT&amp;T INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>00206R102</cusip>
		<value>632</value>
		<shrsOrPrnAmt>
			<sshPrnamt>19679</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>11783</Sole>
			<Shared>0</Shared>
			<None>7896</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ABBOTT LABORATORIES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>002824100</cusip>
		<value>4978</value>
		<shrsOrPrnAmt>
			<sshPrnamt>81620</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>68623</Sole>
			<Shared>0</Shared>
			<None>12997</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ABBOTT LABORATORIES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>002824100</cusip>
		<value>594</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9743</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>8191</Sole>
			<Shared>0</Shared>
			<None>1552</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ABBVIE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>00287Y109</cusip>
		<value>3398</value>
		<shrsOrPrnAmt>
			<sshPrnamt>36671</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>30081</Sole>
			<Shared>0</Shared>
			<None>6590</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ABBVIE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>00287Y109</cusip>
		<value>462</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4984</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3180</Sole>
			<Shared>0</Shared>
			<None>1804</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ALLIANCE BERNSTEIN</nameOfIssuer>
		<titleOfClass>PARTNERSHIPS</titleOfClass>
		<cusip>01881G106</cusip>
		<value>217</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7600</sshPrnamt>
			<sshPrnamtType>PRN</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7600</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ALLIANCE BERNSTEIN</nameOfIssuer>
		<titleOfClass>PARTNERSHIPS</titleOfClass>
		<cusip>01881G106</cusip>
		<value>71</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2500</sshPrnamt>
			<sshPrnamtType>PRN</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2500</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ALPHABET INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>02079K107</cusip>
		<value>945</value>
		<shrsOrPrnAmt>
			<sshPrnamt>847</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>619</Sole>
			<Shared>0</Shared>
			<None>228</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ALPHABET INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>02079K107</cusip>
		<value>125</value>
		<shrsOrPrnAmt>
			<sshPrnamt>112</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>107</Sole>
			<Shared>0</Shared>
			<None>5</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ALPHABET INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>02079K305</cusip>
		<value>8196</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7258</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6307</Sole>
			<Shared>0</Shared>
			<None>951</None>
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	<infoTable>
		<nameOfIssuer>ALPHABET INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>02079K305</cusip>
		<value>1155</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1023</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>692</Sole>
			<Shared>0</Shared>
			<None>331</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>02209S103</cusip>
		<value>160</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2816</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2280</Sole>
			<Shared>0</Shared>
			<None>536</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>02209S103</cusip>
		<value>85</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1500</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1500</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>AMAZON.COM INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>023135106</cusip>
		<value>9803</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5767</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4892</Sole>
			<Shared>0</Shared>
			<None>875</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AMAZON.COM INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>023135106</cusip>
		<value>2060</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1212</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>640</Sole>
			<Shared>0</Shared>
			<None>572</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>AMERICAN TOWER CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>03027X100</cusip>
		<value>1219</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8455</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7388</Sole>
			<Shared>0</Shared>
			<None>1067</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>AMERICAN TOWER CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>03027X100</cusip>
		<value>166</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1152</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1008</Sole>
			<Shared>0</Shared>
			<None>144</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>AMGEN INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>031162100</cusip>
		<value>141</value>
		<shrsOrPrnAmt>
			<sshPrnamt>762</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>600</Sole>
			<Shared>0</Shared>
			<None>162</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>AMGEN INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>031162100</cusip>
		<value>148</value>
		<shrsOrPrnAmt>
			<sshPrnamt>800</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>800</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ANADARKO PETROLEUM CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>032511107</cusip>
		<value>4199</value>
		<shrsOrPrnAmt>
			<sshPrnamt>57325</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>49652</Sole>
			<Shared>0</Shared>
			<None>7673</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ANADARKO PETROLEUM CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>032511107</cusip>
		<value>469</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6404</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>5366</Sole>
			<Shared>0</Shared>
			<None>1038</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>APPLE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>037833100</cusip>
		<value>10807</value>
		<shrsOrPrnAmt>
			<sshPrnamt>58382</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>38913</Sole>
			<Shared>0</Shared>
			<None>19469</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>APPLE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>037833100</cusip>
		<value>1707</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9219</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>5145</Sole>
			<Shared>0</Shared>
			<None>4074</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AVERY DENNISON CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>053611109</cusip>
		<value>1750</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17144</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>14910</Sole>
			<Shared>0</Shared>
			<None>2234</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AVERY DENNISON CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>053611109</cusip>
		<value>262</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2570</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2073</Sole>
			<Shared>0</Shared>
			<None>497</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BAKER HUGHES A GE CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>05722G100</cusip>
		<value>2856</value>
		<shrsOrPrnAmt>
			<sshPrnamt>86453</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>75137</Sole>
			<Shared>0</Shared>
			<None>11316</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>BAKER HUGHES A GE CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>05722G100</cusip>
		<value>340</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10300</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>8724</Sole>
			<Shared>0</Shared>
			<None>1576</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BERKSHIRE HATHAWAY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>084670702</cusip>
		<value>7608</value>
		<shrsOrPrnAmt>
			<sshPrnamt>40761</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>34476</Sole>
			<Shared>0</Shared>
			<None>6285</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BERKSHIRE HATHAWAY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>084670702</cusip>
		<value>848</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4542</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3259</Sole>
			<Shared>0</Shared>
			<None>1283</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BIOGEN INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>09062X103</cusip>
		<value>2967</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10223</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>8845</Sole>
			<Shared>0</Shared>
			<None>1378</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BIOGEN INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>09062X103</cusip>
		<value>365</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1256</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1081</Sole>
			<Shared>0</Shared>
			<None>175</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BIOLARGO INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>09065A100</cusip>
		<value>51</value>
		<shrsOrPrnAmt>
			<sshPrnamt>117838</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>117838</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BLACKSTONE GROUP LP/THE</nameOfIssuer>
		<titleOfClass>PARTNERSHIPS</titleOfClass>
		<cusip>09253U108</cusip>
		<value>270</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8400</sshPrnamt>
			<sshPrnamtType>PRN</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7400</Sole>
			<Shared>0</Shared>
			<None>1000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BLACKSTONE GROUP LP/THE</nameOfIssuer>
		<titleOfClass>PARTNERSHIPS</titleOfClass>
		<cusip>09253U108</cusip>
		<value>121</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3750</sshPrnamt>
			<sshPrnamtType>PRN</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>3750</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BOSTON SCIENTIFIC CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>101137107</cusip>
		<value>3192</value>
		<shrsOrPrnAmt>
			<sshPrnamt>97626</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>85181</Sole>
			<Shared>0</Shared>
			<None>12445</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BOSTON SCIENTIFIC CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>101137107</cusip>
		<value>467</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14279</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>10116</Sole>
			<Shared>0</Shared>
			<None>4163</None>
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	</infoTable>
	<infoTable>
		<nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>110122108</cusip>
		<value>4349</value>
		<shrsOrPrnAmt>
			<sshPrnamt>78580</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>69829</Sole>
			<Shared>0</Shared>
			<None>8751</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>110122108</cusip>
		<value>326</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5885</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>4726</Sole>
			<Shared>0</Shared>
			<None>1159</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CIGNA CORPORATION</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>125509109</cusip>
		<value>490</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2886</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2880</Sole>
			<Shared>0</Shared>
			<None>6</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CME GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>12572Q105</cusip>
		<value>2381</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14526</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>12579</Sole>
			<Shared>0</Shared>
			<None>1947</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CME GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>12572Q105</cusip>
		<value>269</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1641</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1355</Sole>
			<Shared>0</Shared>
			<None>286</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>126650100</cusip>
		<value>839</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13040</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7192</Sole>
			<Shared>0</Shared>
			<None>5848</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>126650100</cusip>
		<value>64</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CARLISLE COMPANIES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>142339100</cusip>
		<value>363</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3355</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3355</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHARTER COMMUNICATIONS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>16119P108</cusip>
		<value>310</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1058</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1052</Sole>
			<Shared>0</Shared>
			<None>6</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHARTER COMMUNICATIONS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>16119P108</cusip>
		<value>60</value>
		<shrsOrPrnAmt>
			<sshPrnamt>205</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>55</Sole>
			<Shared>0</Shared>
			<None>150</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHEVRON CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>166764100</cusip>
		<value>2953</value>
		<shrsOrPrnAmt>
			<sshPrnamt>23354</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>20706</Sole>
			<Shared>0</Shared>
			<None>2648</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHEVRON CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>166764100</cusip>
		<value>756</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5976</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>4113</Sole>
			<Shared>0</Shared>
			<None>1863</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>17275R102</cusip>
		<value>320</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7447</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>7447</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CINTAS CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>172908105</cusip>
		<value>204</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1100</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1100</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CITIGROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>172967424</cusip>
		<value>3747</value>
		<shrsOrPrnAmt>
			<sshPrnamt>55995</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>48173</Sole>
			<Shared>0</Shared>
			<None>7822</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CITIGROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>172967424</cusip>
		<value>707</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10567</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>6980</Sole>
			<Shared>0</Shared>
			<None>3587</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COCA-COLA CO/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>191216100</cusip>
		<value>4320</value>
		<shrsOrPrnAmt>
			<sshPrnamt>98506</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>85333</Sole>
			<Shared>0</Shared>
			<None>13173</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>COCA-COLA CO/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>191216100</cusip>
		<value>1529</value>
		<shrsOrPrnAmt>
			<sshPrnamt>34850</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>34850</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COMCAST CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>20030N101</cusip>
		<value>2991</value>
		<shrsOrPrnAmt>
			<sshPrnamt>91165</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>78741</Sole>
			<Shared>0</Shared>
			<None>12424</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COMCAST CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>20030N101</cusip>
		<value>334</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10171</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>8431</Sole>
			<Shared>0</Shared>
			<None>1740</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CORELOGIC INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>21871D103</cusip>
		<value>1653</value>
		<shrsOrPrnAmt>
			<sshPrnamt>31846</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>31846</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>CORELOGIC INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>21871D103</cusip>
		<value>3345</value>
		<shrsOrPrnAmt>
			<sshPrnamt>64444</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>64444</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>244199105</cusip>
		<value>2418</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17296</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>15042</Sole>
			<Shared>0</Shared>
			<None>2254</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>244199105</cusip>
		<value>285</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2040</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1698</Sole>
			<Shared>0</Shared>
			<None>342</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>WALT DISNEY COMPANY/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>254687106</cusip>
		<value>2029</value>
		<shrsOrPrnAmt>
			<sshPrnamt>19362</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>16033</Sole>
			<Shared>0</Shared>
			<None>3329</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>WALT DISNEY COMPANY/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>254687106</cusip>
		<value>592</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5647</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2885</Sole>
			<Shared>0</Shared>
			<None>2762</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>DOWDUPONT INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>26078J100</cusip>
		<value>1078</value>
		<shrsOrPrnAmt>
			<sshPrnamt>16349</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>15147</Sole>
			<Shared>0</Shared>
			<None>1202</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>DOWDUPONT INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>26078J100</cusip>
		<value>99</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1500</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1500</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>EOG RESOURCES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>26875P101</cusip>
		<value>4270</value>
		<shrsOrPrnAmt>
			<sshPrnamt>34316</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>29749</Sole>
			<Shared>0</Shared>
			<None>4567</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EOG RESOURCES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>26875P101</cusip>
		<value>511</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4109</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3490</Sole>
			<Shared>0</Shared>
			<None>619</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>E TRADE FINANCIAL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>269246401</cusip>
		<value>2606</value>
		<shrsOrPrnAmt>
			<sshPrnamt>42617</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>37057</Sole>
			<Shared>0</Shared>
			<None>5560</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>E TRADE FINANCIAL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>269246401</cusip>
		<value>270</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4418</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3631</Sole>
			<Shared>0</Shared>
			<None>787</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EDISON</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>281020107</cusip>
		<value>152</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2398</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2384</Sole>
			<Shared>0</Shared>
			<None>14</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EDISON</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>281020107</cusip>
		<value>71</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1130</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>230</Sole>
			<Shared>0</Shared>
			<None>900</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EMERSON ELECTRIC CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>291011104</cusip>
		<value>3339</value>
		<shrsOrPrnAmt>
			<sshPrnamt>48295</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>41313</Sole>
			<Shared>0</Shared>
			<None>6982</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EMERSON ELECTRIC CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>291011104</cusip>
		<value>387</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5594</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>4377</Sole>
			<Shared>0</Shared>
			<None>1217</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ENTERPRISE PRODUCTS LP</nameOfIssuer>
		<titleOfClass>PARTNERSHIPS</titleOfClass>
		<cusip>293792107</cusip>
		<value>183</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6600</sshPrnamt>
			<sshPrnamtType>PRN</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5600</Sole>
			<Shared>0</Shared>
			<None>1000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ENTERPRISE PRODUCTS LP</nameOfIssuer>
		<titleOfClass>PARTNERSHIPS</titleOfClass>
		<cusip>293792107</cusip>
		<value>100</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3600</sshPrnamt>
			<sshPrnamtType>PRN</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>3600</None>
		</votingAuthority>
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		<nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>30231G102</cusip>
		<value>7168</value>
		<shrsOrPrnAmt>
			<sshPrnamt>86642</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>70913</Sole>
			<Shared>0</Shared>
			<None>15729</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>30231G102</cusip>
		<value>834</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10083</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>7713</Sole>
			<Shared>0</Shared>
			<None>2370</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>FACEBOOK INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>30303M102</cusip>
		<value>6865</value>
		<shrsOrPrnAmt>
			<sshPrnamt>35329</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>30577</Sole>
			<Shared>0</Shared>
			<None>4752</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>FACEBOOK INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>30303M102</cusip>
		<value>919</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4731</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3250</Sole>
			<Shared>0</Shared>
			<None>1481</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>FIRST AMERICAN FINANCIAL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>31847R102</cusip>
		<value>1583</value>
		<shrsOrPrnAmt>
			<sshPrnamt>30599</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>30599</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>FIRST AMERICAN FINANCIAL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>31847R102</cusip>
		<value>52</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1000</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>FIRSTENERGY CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>337932107</cusip>
		<value>3808</value>
		<shrsOrPrnAmt>
			<sshPrnamt>106046</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>92547</Sole>
			<Shared>0</Shared>
			<None>13499</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>FIRSTENERGY CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>337932107</cusip>
		<value>422</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11762</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>9809</Sole>
			<Shared>0</Shared>
			<None>1953</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>GENERAL ELECTRIC CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>369604103</cusip>
		<value>1184</value>
		<shrsOrPrnAmt>
			<sshPrnamt>87013</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>73965</Sole>
			<Shared>0</Shared>
			<None>13048</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>GENERAL ELECTRIC CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>369604103</cusip>
		<value>153</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11208</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>9718</Sole>
			<Shared>0</Shared>
			<None>1490</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>GENERAL MOTORS CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>37045V100</cusip>
		<value>203</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5162</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4000</Sole>
			<Shared>0</Shared>
			<None>1162</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>372460105</cusip>
		<value>4461</value>
		<shrsOrPrnAmt>
			<sshPrnamt>48603</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>48603</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>38141G104</cusip>
		<value>4717</value>
		<shrsOrPrnAmt>
			<sshPrnamt>21386</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>18582</Sole>
			<Shared>0</Shared>
			<None>2804</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>38141G104</cusip>
		<value>593</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2690</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2022</Sole>
			<Shared>0</Shared>
			<None>668</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>437076102</cusip>
		<value>395</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2027</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>951</Sole>
			<Shared>0</Shared>
			<None>1076</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>437076102</cusip>
		<value>53</value>
		<shrsOrPrnAmt>
			<sshPrnamt>272</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<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>3396</value>
		<shrsOrPrnAmt>
			<sshPrnamt>23578</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>20343</Sole>
			<Shared>0</Shared>
			<None>3235</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>HONEYWELL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>438516106</cusip>
		<value>565</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3923</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2727</Sole>
			<Shared>0</Shared>
			<None>1196</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>INTEL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>458140100</cusip>
		<value>622</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12504</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>8935</Sole>
			<Shared>0</Shared>
			<None>3569</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>INTEL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>458140100</cusip>
		<value>127</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2550</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>250</Sole>
			<Shared>0</Shared>
			<None>2300</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>INTL BUSINESS MACHINES CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
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		<value>204</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1458</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1050</Sole>
			<Shared>0</Shared>
			<None>408</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>INTL BUSINESS MACHINES CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
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		<value>8</value>
		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
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			<Shared>0</Shared>
			<None>55</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>INVESCO</nameOfIssuer>
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		<cusip>46137V241</cusip>
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		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>8779</Sole>
			<Shared>0</Shared>
			<None>17213</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>INVESCO</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>46137V241</cusip>
		<value>92</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3058</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3058</Sole>
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			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>INVESCO</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>46137V548</cusip>
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		<shrsOrPrnAmt>
			<sshPrnamt>333688</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>153864</Sole>
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			<None>179824</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>INVESCO</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>46137V548</cusip>
		<value>399</value>
		<shrsOrPrnAmt>
			<sshPrnamt>25579</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>25579</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>INVESCO</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>46138E354</cusip>
		<value>574</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12113</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4093</Sole>
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			<None>8020</None>
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	<infoTable>
		<nameOfIssuer>INVESCO</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>46138E354</cusip>
		<value>68</value>
		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
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			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>INVESCO</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>46138E370</cusip>
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		<shrsOrPrnAmt>
			<sshPrnamt>15047</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5088</Sole>
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			<None>9959</None>
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	<infoTable>
		<nameOfIssuer>INVESCO</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>46138E370</cusip>
		<value>45</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1044</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>INVESCO</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>46138G508</cusip>
		<value>222</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9703</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3280</Sole>
			<Shared>0</Shared>
			<None>6423</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464287168</cusip>
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		<shrsOrPrnAmt>
			<sshPrnamt>233631</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>110351</Sole>
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			<None>123280</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464287168</cusip>
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		<shrsOrPrnAmt>
			<sshPrnamt>16936</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>16936</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>23363</value>
		<shrsOrPrnAmt>
			<sshPrnamt>219740</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>126875</Sole>
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			<None>92865</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>464287226</cusip>
		<value>1429</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13436</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>13436</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>12333</value>
		<shrsOrPrnAmt>
			<sshPrnamt>107647</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>60514</Sole>
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			<None>47133</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>464287242</cusip>
		<value>779</value>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>6797</Sole>
			<Shared>0</Shared>
			<None>0</None>
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		<shrsOrPrnAmt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>35889</Sole>
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			<None>26723</None>
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	<infoTable>
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		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
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			<None>0</None>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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			<None>885</None>
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		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
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			<None>0</None>
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		<shrsOrPrnAmt>
			<sshPrnamt>2896</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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			<None>1964</None>
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		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<Shared>0</Shared>
			<None>249</None>
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		<investmentDiscretion>DFND</investmentDiscretion>
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			<None>1071</None>
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		<cusip>464287598</cusip>
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		<shrsOrPrnAmt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<None>2060</None>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<investmentDiscretion>DFND</investmentDiscretion>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
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		<shrsOrPrnAmt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<None>8382</None>
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		<shrsOrPrnAmt>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
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		<value>223</value>
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			<sshPrnamt>2139</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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			<None>1415</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>464288588</cusip>
		<value>27</value>
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			<sshPrnamt>256</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>256</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464288877</cusip>
		<value>5405</value>
		<shrsOrPrnAmt>
			<sshPrnamt>105275</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>49388</Sole>
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			<None>55887</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464288877</cusip>
		<value>338</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6581</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>46432F842</cusip>
		<value>314</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4961</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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			<Shared>0</Shared>
			<None>4961</None>
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	<infoTable>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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			<None>11384</None>
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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>
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			<None>3149</None>
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	<infoTable>
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		<shrsOrPrnAmt>
			<sshPrnamt>35569</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>31017</Sole>
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			<None>4552</None>
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	<infoTable>
		<nameOfIssuer>JACOBS ENGINEERING GROUP INC</nameOfIssuer>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
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			<None>421</None>
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	<infoTable>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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			<None>1903</None>
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	<infoTable>
		<nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
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			<None>1405</None>
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	<infoTable>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6500</Sole>
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			<None>0</None>
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	<infoTable>
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			<sshPrnamtType>PRN</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
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			<None>1750</None>
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	<infoTable>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3784</Sole>
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			<None>0</None>
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	<infoTable>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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			<None>2063</None>
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	<infoTable>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
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			<None>379</None>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>11681</Sole>
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			<None>0</None>
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			<sshPrnamt>13423</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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			<None>13423</None>
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	<infoTable>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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			<None>21</None>
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	<infoTable>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
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			<None>1000</None>
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	<infoTable>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>21795</Sole>
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			<None>3331</None>
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	<infoTable>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2564</Sole>
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			<None>452</None>
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	<infoTable>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5070</Sole>
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			<None>1819</None>
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	<infoTable>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
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	<infoTable>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>84802</Sole>
			<Shared>0</Shared>
			<None>15196</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>594918104</cusip>
		<value>1384</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14036</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>9680</Sole>
			<Shared>0</Shared>
			<None>4356</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MICRON TECHNOLOGY INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>595112103</cusip>
		<value>3024</value>
		<shrsOrPrnAmt>
			<sshPrnamt>57662</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>48937</Sole>
			<Shared>0</Shared>
			<None>8725</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MICRON TECHNOLOGY INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>595112103</cusip>
		<value>508</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9696</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>6379</Sole>
			<Shared>0</Shared>
			<None>3317</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MONDELEZ INTERNATIONAL INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>609207105</cusip>
		<value>2095</value>
		<shrsOrPrnAmt>
			<sshPrnamt>51093</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>44071</Sole>
			<Shared>0</Shared>
			<None>7022</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>MONDELEZ INTERNATIONAL INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>609207105</cusip>
		<value>250</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6106</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>5106</Sole>
			<Shared>0</Shared>
			<None>1000</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>MOODY'S CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>615369105</cusip>
		<value>215</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1260</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1260</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>NOVARTIS AG-ADR</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>66987V109</cusip>
		<value>354</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4684</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4684</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>NUVEEN</nameOfIssuer>
		<titleOfClass>UNIT INV TR NON</titleOfClass>
		<cusip>67062C107</cusip>
		<value>163</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17200</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>17200</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NUVEEN</nameOfIssuer>
		<titleOfClass>UNIT INV TR NON</titleOfClass>
		<cusip>67066Y105</cusip>
		<value>180</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13471</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>9671</Sole>
			<Shared>0</Shared>
			<None>3800</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>O'REILLY AUTOMOTIVE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>67103H107</cusip>
		<value>3275</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11970</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10349</Sole>
			<Shared>0</Shared>
			<None>1621</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>O'REILLY AUTOMOTIVE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>67103H107</cusip>
		<value>342</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1250</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1039</Sole>
			<Shared>0</Shared>
			<None>211</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ORACLE CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>68389X105</cusip>
		<value>3825</value>
		<shrsOrPrnAmt>
			<sshPrnamt>86802</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>74212</Sole>
			<Shared>0</Shared>
			<None>12590</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ORACLE CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>68389X105</cusip>
		<value>449</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10181</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>6866</Sole>
			<Shared>0</Shared>
			<None>3315</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PAYCHEX INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>704326107</cusip>
		<value>5</value>
		<shrsOrPrnAmt>
			<sshPrnamt>69</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>69</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PAYCHEX INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>704326107</cusip>
		<value>199</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2915</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2915</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PEPSICO INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>713448108</cusip>
		<value>5345</value>
		<shrsOrPrnAmt>
			<sshPrnamt>49091</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>40588</Sole>
			<Shared>0</Shared>
			<None>8503</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PEPSICO INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>713448108</cusip>
		<value>718</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6591</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3675</Sole>
			<Shared>0</Shared>
			<None>2916</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PFIZER INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>717081103</cusip>
		<value>5455</value>
		<shrsOrPrnAmt>
			<sshPrnamt>150356</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>130724</Sole>
			<Shared>0</Shared>
			<None>19632</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PFIZER INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>717081103</cusip>
		<value>656</value>
		<shrsOrPrnAmt>
			<sshPrnamt>18069</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>13733</Sole>
			<Shared>0</Shared>
			<None>4336</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>718172109</cusip>
		<value>280</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3474</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2950</Sole>
			<Shared>0</Shared>
			<None>524</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PHILLIPS 66</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>718546104</cusip>
		<value>227</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2019</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2011</Sole>
			<Shared>0</Shared>
			<None>8</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PRAXAIR INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>74005P104</cusip>
		<value>4882</value>
		<shrsOrPrnAmt>
			<sshPrnamt>30869</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>26757</Sole>
			<Shared>0</Shared>
			<None>4112</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PRAXAIR INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>74005P104</cusip>
		<value>607</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3840</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2784</Sole>
			<Shared>0</Shared>
			<None>1056</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PROCTER &amp; GAMBLE CO/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>742718109</cusip>
		<value>3737</value>
		<shrsOrPrnAmt>
			<sshPrnamt>47873</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>40412</Sole>
			<Shared>0</Shared>
			<None>7461</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PROCTER &amp; GAMBLE CO/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>742718109</cusip>
		<value>511</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6547</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>4160</Sole>
			<Shared>0</Shared>
			<None>2387</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>QUALCOMM INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>747525103</cusip>
		<value>2035</value>
		<shrsOrPrnAmt>
			<sshPrnamt>36265</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>30085</Sole>
			<Shared>0</Shared>
			<None>6180</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>QUALCOMM INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>747525103</cusip>
		<value>275</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4896</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3323</Sole>
			<Shared>0</Shared>
			<None>1573</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>QUEST DIAGNOSTICS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>74834L100</cusip>
		<value>490</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4461</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>800</Sole>
			<Shared>0</Shared>
			<None>3661</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>RALPH LAUREN CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>751212101</cusip>
		<value>3107</value>
		<shrsOrPrnAmt>
			<sshPrnamt>24714</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>21359</Sole>
			<Shared>0</Shared>
			<None>3355</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>RALPH LAUREN CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>751212101</cusip>
		<value>370</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2943</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2461</Sole>
			<Shared>0</Shared>
			<None>482</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>RED HAT INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>756577102</cusip>
		<value>1460</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10867</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>9406</Sole>
			<Shared>0</Shared>
			<None>1461</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>RED HAT INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>756577102</cusip>
		<value>145</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1076</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>863</Sole>
			<Shared>0</Shared>
			<None>213</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>78462F103</cusip>
		<value>1021</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3762</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3268</Sole>
			<Shared>0</Shared>
			<None>494</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>78464A300</cusip>
		<value>4272</value>
		<shrsOrPrnAmt>
			<sshPrnamt>63960</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>30092</Sole>
			<Shared>0</Shared>
			<None>33868</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>78464A300</cusip>
		<value>292</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4377</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>4377</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>78464A797</cusip>
		<value>234</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4953</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1670</Sole>
			<Shared>0</Shared>
			<None>3283</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>78464A797</cusip>
		<value>28</value>
		<shrsOrPrnAmt>
			<sshPrnamt>585</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>585</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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		<nameOfIssuer>SAVIENT PHARMACEUTICALS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>80517Q100</cusip>
		<value>0</value>
		<shrsOrPrnAmt>
			<sshPrnamt>30000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>30000</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>806857108</cusip>
		<value>235</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3509</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3425</Sole>
			<Shared>0</Shared>
			<None>84</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>81369Y506</cusip>
		<value>237</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3127</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1144</Sole>
			<Shared>0</Shared>
			<None>1983</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SEMPRA ENERGY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>816851109</cusip>
		<value>3839</value>
		<shrsOrPrnAmt>
			<sshPrnamt>33065</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>29034</Sole>
			<Shared>0</Shared>
			<None>4031</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SEMPRA ENERGY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>816851109</cusip>
		<value>443</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3817</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3213</Sole>
			<Shared>0</Shared>
			<None>604</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SERVICENOW INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>81762P102</cusip>
		<value>1657</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9609</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>8294</Sole>
			<Shared>0</Shared>
			<None>1315</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SERVICENOW INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>81762P102</cusip>
		<value>191</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1105</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>915</Sole>
			<Shared>0</Shared>
			<None>190</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>SIMON PROPERTY GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>828806109</cusip>
		<value>3824</value>
		<shrsOrPrnAmt>
			<sshPrnamt>22469</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>19424</Sole>
			<Shared>0</Shared>
			<None>3045</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SIMON PROPERTY GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>828806109</cusip>
		<value>407</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2394</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1943</Sole>
			<Shared>0</Shared>
			<None>451</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>855244109</cusip>
		<value>3153</value>
		<shrsOrPrnAmt>
			<sshPrnamt>64539</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>55914</Sole>
			<Shared>0</Shared>
			<None>8625</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>855244109</cusip>
		<value>357</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7299</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>5536</Sole>
			<Shared>0</Shared>
			<None>1763</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>SUNTRUST BANKS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>867914103</cusip>
		<value>2189</value>
		<shrsOrPrnAmt>
			<sshPrnamt>33163</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>28811</Sole>
			<Shared>0</Shared>
			<None>4352</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>SUNTRUST BANKS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>867914103</cusip>
		<value>256</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3871</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3237</Sole>
			<Shared>0</Shared>
			<None>634</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>TENCENT HOLDINGS LTD</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>88032Q109</cusip>
		<value>2210</value>
		<shrsOrPrnAmt>
			<sshPrnamt>43984</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>38248</Sole>
			<Shared>0</Shared>
			<None>5736</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>TENCENT HOLDINGS LTD</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>88032Q109</cusip>
		<value>223</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4432</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3686</Sole>
			<Shared>0</Shared>
			<None>746</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>883556102</cusip>
		<value>3199</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15445</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>13406</Sole>
			<Shared>0</Shared>
			<None>2039</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>883556102</cusip>
		<value>425</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2053</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1575</Sole>
			<Shared>0</Shared>
			<None>478</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>US BANCORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>902973304</cusip>
		<value>50</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1000</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>163</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>ULTA BEAUTY INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>90384S303</cusip>
		<value>1594</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6828</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5918</Sole>
			<Shared>0</Shared>
			<None>910</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ULTA BEAUTY INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>90384S303</cusip>
		<value>187</value>
		<shrsOrPrnAmt>
			<sshPrnamt>802</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>667</Sole>
			<Shared>0</Shared>
			<None>135</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>UNION PACIFIC CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>907818108</cusip>
		<value>270</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1908</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1600</Sole>
			<Shared>0</Shared>
			<None>308</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>UNION PACIFIC CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>907818108</cusip>
		<value>10</value>
		<shrsOrPrnAmt>
			<sshPrnamt>70</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>70</Sole>
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			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>UNITED CONTINENTAL HOLDINGS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>910047109</cusip>
		<value>2643</value>
		<shrsOrPrnAmt>
			<sshPrnamt>37899</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>32930</Sole>
			<Shared>0</Shared>
			<None>4969</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>UNITED CONTINENTAL HOLDINGS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
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		<value>291</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4178</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3436</Sole>
			<Shared>0</Shared>
			<None>742</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>UNITED RENTALS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>911363109</cusip>
		<value>10</value>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>68</Sole>
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			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>UNITED RENTALS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>911363109</cusip>
		<value>215</value>
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			<sshPrnamt>1457</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>487</Sole>
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			<None>970</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>91324P102</cusip>
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		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>15498</Sole>
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			<None>2781</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
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		<value>961</value>
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			<sshPrnamt>3915</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1632</Sole>
			<Shared>0</Shared>
			<None>2283</None>
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	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>ALTERNATIVE ETF</titleOfClass>
		<cusip>922908553</cusip>
		<value>4115</value>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>23321</Sole>
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			<None>27200</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>ALTERNATIVE ETF</titleOfClass>
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		<value>216</value>
		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2656</Sole>
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			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>922908629</cusip>
		<value>233</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1478</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1250</Sole>
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			<None>228</None>
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	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>922908744</cusip>
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			<sshPrnamt>216195</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>102316</Sole>
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			<None>113879</None>
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	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>922908744</cusip>
		<value>1611</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15518</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>15518</Sole>
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			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>922908751</cusip>
		<value>257</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1650</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1175</Sole>
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			<None>475</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>92343V104</cusip>
		<value>716</value>
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			<sshPrnamt>14232</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>11831</Sole>
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			<None>2401</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
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		<shrsOrPrnAmt>
			<sshPrnamt>2841</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>578</Sole>
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			<None>2263</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VISA INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>92826C839</cusip>
		<value>5111</value>
		<shrsOrPrnAmt>
			<sshPrnamt>38590</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>32971</Sole>
			<Shared>0</Shared>
			<None>5619</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>VISA INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>92826C839</cusip>
		<value>744</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5618</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>4062</Sole>
			<Shared>0</Shared>
			<None>1556</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WASTE MANAGEMENT INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>94106L109</cusip>
		<value>2929</value>
		<shrsOrPrnAmt>
			<sshPrnamt>36009</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>31215</Sole>
			<Shared>0</Shared>
			<None>4794</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WASTE MANAGEMENT INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>94106L109</cusip>
		<value>341</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4188</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3559</Sole>
			<Shared>0</Shared>
			<None>629</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WELLS FARGO &amp; CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>949746101</cusip>
		<value>667</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12031</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>8336</Sole>
			<Shared>0</Shared>
			<None>3695</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WELLS FARGO &amp; CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>949746101</cusip>
		<value>55</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WISDOMTREE</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>97717W315</cusip>
		<value>2084</value>
		<shrsOrPrnAmt>
			<sshPrnamt>48607</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>22458</Sole>
			<Shared>0</Shared>
			<None>26149</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WISDOMTREE</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>97717W315</cusip>
		<value>89</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2070</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2070</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>XPO LOGISTICS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>983793100</cusip>
		<value>1502</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14993</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>12382</Sole>
			<Shared>0</Shared>
			<None>2611</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>XPO LOGISTICS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>983793100</cusip>
		<value>411</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4100</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2305</Sole>
			<Shared>0</Shared>
			<None>1795</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ZIMMER HOLDINGS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>98956P102</cusip>
		<value>559</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5015</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4608</Sole>
			<Shared>0</Shared>
			<None>407</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>AON PLC</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>G0408V102</cusip>
		<value>463</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3372</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3372</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHUBB LTD</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>H1467J104</cusip>
		<value>2316</value>
		<shrsOrPrnAmt>
			<sshPrnamt>18233</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>15869</Sole>
			<Shared>0</Shared>
			<None>2364</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHUBB LTD</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>H1467J104</cusip>
		<value>333</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2622</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1871</Sole>
			<Shared>0</Shared>
			<None>751</None>
		</votingAuthority>
	</infoTable>
</informationTable>
