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	<infoTable>
		<nameOfIssuer>ALERIAN</nameOfIssuer>
		<titleOfClass>COMMODITIES ETF</titleOfClass>
		<cusip>00162Q452</cusip>
		<value>28111949</value>
		<shrsOrPrnAmt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>350611</Sole>
			<Shared>0</Shared>
			<None>241718</None>
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	<infoTable>
		<nameOfIssuer>ALERIAN</nameOfIssuer>
		<titleOfClass>COMMODITIES ETF</titleOfClass>
		<cusip>00162Q452</cusip>
		<value>964386</value>
		<shrsOrPrnAmt>
			<sshPrnamt>20320</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>18444</Sole>
			<Shared>0</Shared>
			<None>1876</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>AT&amp;T INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>00206R102</cusip>
		<value>296119</value>
		<shrsOrPrnAmt>
			<sshPrnamt>16825</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>8366</Sole>
			<Shared>0</Shared>
			<None>8459</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ABBOTT LABORATORIES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>002824100</cusip>
		<value>17386302</value>
		<shrsOrPrnAmt>
			<sshPrnamt>152968</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>61650</Sole>
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			<None>91318</None>
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	<infoTable>
		<nameOfIssuer>ABBOTT LABORATORIES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>002824100</cusip>
		<value>625238</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5501</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>4447</Sole>
			<Shared>0</Shared>
			<None>1054</None>
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	<infoTable>
		<nameOfIssuer>ABBVIE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>00287Y109</cusip>
		<value>5803730</value>
		<shrsOrPrnAmt>
			<sshPrnamt>31871</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>19427</Sole>
			<Shared>0</Shared>
			<None>12444</None>
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	<infoTable>
		<nameOfIssuer>ABBVIE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>00287Y109</cusip>
		<value>424738</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2333</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>578</Sole>
			<Shared>0</Shared>
			<None>1755</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ABERCROMBIE &amp; FITCH CO CL A</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>002896207</cusip>
		<value>226221</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1805</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1805</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ADOBE SYSTEMS, INC.</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>00724F101</cusip>
		<value>7854403</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15566</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>9148</Sole>
			<Shared>0</Shared>
			<None>6418</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ADOBE SYSTEMS, INC.</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>00724F101</cusip>
		<value>242711</value>
		<shrsOrPrnAmt>
			<sshPrnamt>481</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>387</Sole>
			<Shared>0</Shared>
			<None>94</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ADVANCED MICRO DEVICES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>007903107</cusip>
		<value>8997515</value>
		<shrsOrPrnAmt>
			<sshPrnamt>49851</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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			<Sole>29151</Sole>
			<Shared>0</Shared>
			<None>20700</None>
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	<infoTable>
		<nameOfIssuer>ADVANCED MICRO DEVICES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>007903107</cusip>
		<value>259004</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1435</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1328</Sole>
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			<None>107</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>AIR PRODUCTS &amp; CHEMICALS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>009158106</cusip>
		<value>1409286</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5817</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>297</Sole>
			<Shared>0</Shared>
			<None>5520</None>
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	<infoTable>
		<nameOfIssuer>AIR PRODUCTS &amp; CHEMICALS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>009158106</cusip>
		<value>35856</value>
		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>17</Sole>
			<Shared>0</Shared>
			<None>131</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ALPHABET INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>02079K107</cusip>
		<value>1496018</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9826</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5222</Sole>
			<Shared>0</Shared>
			<None>4604</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ALPHABET INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
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		<value>152260</value>
		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
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	<infoTable>
		<nameOfIssuer>ALPHABET INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>02079K305</cusip>
		<value>23385886</value>
		<shrsOrPrnAmt>
			<sshPrnamt>154945</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>79435</Sole>
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	<infoTable>
		<nameOfIssuer>ALPHABET INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>02079K305</cusip>
		<value>1156425</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7662</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
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			<None>649</None>
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		<nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>02209S103</cusip>
		<value>267085</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6123</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4103</Sole>
			<Shared>0</Shared>
			<None>2020</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>AMAZON.COM INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>023135106</cusip>
		<value>29408167</value>
		<shrsOrPrnAmt>
			<sshPrnamt>163036</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>86575</Sole>
			<Shared>0</Shared>
			<None>76461</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>AMAZON.COM INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>023135106</cusip>
		<value>1440154</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7984</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>7156</Sole>
			<Shared>0</Shared>
			<None>828</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>AMERICAN TOWER CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>03027X100</cusip>
		<value>5120741</value>
		<shrsOrPrnAmt>
			<sshPrnamt>25916</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>15573</Sole>
			<Shared>0</Shared>
			<None>10343</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>AMERICAN TOWER CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>03027X100</cusip>
		<value>263784</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1335</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1279</Sole>
			<Shared>0</Shared>
			<None>56</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ANALOG DEVICES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>032654105</cusip>
		<value>410898</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2077</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2077</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ELEVANCE HEALTH INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>036752103</cusip>
		<value>11587749</value>
		<shrsOrPrnAmt>
			<sshPrnamt>22346</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10985</Sole>
			<Shared>0</Shared>
			<None>11361</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ELEVANCE HEALTH INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>036752103</cusip>
		<value>441279</value>
		<shrsOrPrnAmt>
			<sshPrnamt>851</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>794</Sole>
			<Shared>0</Shared>
			<None>57</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>APPLE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>037833100</cusip>
		<value>32183212</value>
		<shrsOrPrnAmt>
			<sshPrnamt>187677</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>72479</Sole>
			<Shared>0</Shared>
			<None>115198</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>APPLE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>037833100</cusip>
		<value>2544188</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14837</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>9116</Sole>
			<Shared>0</Shared>
			<None>5721</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>APPLIED MATERIALS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>038222105</cusip>
		<value>929501</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4507</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>4507</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ARCHWAY REAL ESTATE INCOME FUND</nameOfIssuer>
		<titleOfClass>PARTNERSHIPS</titleOfClass>
		<cusip>03999M009</cusip>
		<value>37000</value>
		<shrsOrPrnAmt>
			<sshPrnamt>37000</sshPrnamt>
			<sshPrnamtType>PRN</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>37000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BANK OF AMERICA CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>060505104</cusip>
		<value>331217</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8735</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7028</Sole>
			<Shared>0</Shared>
			<None>1707</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BANK OF AMERICA CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>060505104</cusip>
		<value>139296</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3673</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>436</Sole>
			<Shared>0</Shared>
			<None>3237</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BERKSHIRE HATHAWAY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>084670702</cusip>
		<value>3700837</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8801</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6412</Sole>
			<Shared>0</Shared>
			<None>2389</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BIOLARGO INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>09065A100</cusip>
		<value>41821</value>
		<shrsOrPrnAmt>
			<sshPrnamt>117838</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>117838</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BLACKROCK INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>09247X101</cusip>
		<value>5812562</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6972</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4394</Sole>
			<Shared>0</Shared>
			<None>2578</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BLACKROCK INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>09247X101</cusip>
		<value>115885</value>
		<shrsOrPrnAmt>
			<sshPrnamt>139</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>124</Sole>
			<Shared>0</Shared>
			<None>15</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BLACKSTONE REAL ESTATE INCOME TR</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>09259K401</cusip>
		<value>1471056</value>
		<shrsOrPrnAmt>
			<sshPrnamt>103924</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>103924</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>BLACKSTONE GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>09260D107</cusip>
		<value>203152</value>
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			<sshPrnamt>1546</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1000</Sole>
			<Shared>0</Shared>
			<None>546</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>BLACKSTONE GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>09260D107</cusip>
		<value>328425</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2500</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2500</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>BOEING CO/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>097023105</cusip>
		<value>209608</value>
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			<sshPrnamt>1086</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1086</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>BOEING CO/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>097023105</cusip>
		<value>24703</value>
		<shrsOrPrnAmt>
			<sshPrnamt>128</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>128</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>BOOKING HOLDINGS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>09857L108</cusip>
		<value>7476290</value>
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			<sshPrnamt>2061</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>856</Sole>
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			<None>1205</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>BOOKING HOLDINGS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>09857L108</cusip>
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			<sshPrnamt>140</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>134</Sole>
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			<None>6</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>BOSTON SCIENTIFIC CORP</nameOfIssuer>
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		<cusip>101137107</cusip>
		<value>10434090</value>
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			<sshPrnamt>152344</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>68495</Sole>
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			<None>83849</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>BOSTON SCIENTIFIC CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>101137107</cusip>
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			<sshPrnamt>5886</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>5492</Sole>
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			<None>394</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>110122108</cusip>
		<value>259868</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4792</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3458</Sole>
			<Shared>0</Shared>
			<None>1334</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>110122108</cusip>
		<value>80002</value>
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			<sshPrnamt>1475</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1475</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>BROADCOM INC</nameOfIssuer>
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		<cusip>11135F101</cusip>
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			<sshPrnamt>1195</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>933</Sole>
			<Shared>0</Shared>
			<None>262</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>CME GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>12572Q105</cusip>
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			<sshPrnamt>25201</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>15953</Sole>
			<Shared>0</Shared>
			<None>9248</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>CME GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>12572Q105</cusip>
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			<sshPrnamt>1181</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1127</Sole>
			<Shared>0</Shared>
			<None>54</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>CMS ENERGY CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>125896100</cusip>
		<value>9970886</value>
		<shrsOrPrnAmt>
			<sshPrnamt>165245</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>79022</Sole>
			<Shared>0</Shared>
			<None>86223</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>CMS ENERGY CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>125896100</cusip>
		<value>371754</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6161</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>5736</Sole>
			<Shared>0</Shared>
			<None>425</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>126650100</cusip>
		<value>6717923</value>
		<shrsOrPrnAmt>
			<sshPrnamt>84226</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>40198</Sole>
			<Shared>0</Shared>
			<None>44028</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>126650100</cusip>
		<value>364117</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4565</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>4107</Sole>
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			<None>458</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>SILA REALTY TRUST</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>146280102</cusip>
		<value>270122</value>
		<shrsOrPrnAmt>
			<sshPrnamt>32862</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>32862</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>CASCADE TECHN CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>14738Y105</cusip>
		<value>2125</value>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>50000</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>149123101</cusip>
		<value>11360969</value>
		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>14755</Sole>
			<Shared>0</Shared>
			<None>16250</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>149123101</cusip>
		<value>327953</value>
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			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>824</Sole>
			<Shared>0</Shared>
			<None>71</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>CHART INDUSTRIES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>16115Q308</cusip>
		<value>5545471</value>
		<shrsOrPrnAmt>
			<sshPrnamt>33666</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>20888</Sole>
			<Shared>0</Shared>
			<None>12778</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>CHART INDUSTRIES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>16115Q308</cusip>
		<value>205898</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1250</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1173</Sole>
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			<None>77</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>CHEVRON CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>166764100</cusip>
		<value>708191</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4490</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1763</Sole>
			<Shared>0</Shared>
			<None>2727</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>CHEVRON CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>166764100</cusip>
		<value>343242</value>
		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2176</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>17275R102</cusip>
		<value>884423</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17720</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6767</Sole>
			<Shared>0</Shared>
			<None>10953</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>CINTAS CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>172908105</cusip>
		<value>1084138</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1578</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>400</Sole>
			<Shared>0</Shared>
			<None>1178</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>CITIGROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>172967424</cusip>
		<value>10662350</value>
		<shrsOrPrnAmt>
			<sshPrnamt>168601</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>79748</Sole>
			<Shared>0</Shared>
			<None>88853</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>CITIGROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>172967424</cusip>
		<value>399739</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6321</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>5883</Sole>
			<Shared>0</Shared>
			<None>438</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COCA-COLA CO/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>191216100</cusip>
		<value>9202495</value>
		<shrsOrPrnAmt>
			<sshPrnamt>150416</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>67312</Sole>
			<Shared>0</Shared>
			<None>83104</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COCA-COLA CO/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>191216100</cusip>
		<value>1269608</value>
		<shrsOrPrnAmt>
			<sshPrnamt>20752</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>20373</Sole>
			<Shared>0</Shared>
			<None>379</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COMCAST CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>20030N101</cusip>
		<value>2687409</value>
		<shrsOrPrnAmt>
			<sshPrnamt>61994</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6844</Sole>
			<Shared>0</Shared>
			<None>55150</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COMCAST CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>20030N101</cusip>
		<value>152246</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3512</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3325</Sole>
			<Shared>0</Shared>
			<None>187</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CONSTELLATION ENERGY CORP.</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>21037T109</cusip>
		<value>222744</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1205</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1205</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>OAKHURST INCOME FUND</nameOfIssuer>
		<titleOfClass>PARTNERSHIPS</titleOfClass>
		<cusip>21399R071</cusip>
		<value>46460</value>
		<shrsOrPrnAmt>
			<sshPrnamt>46460</sshPrnamt>
			<sshPrnamtType>PRN</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>46460</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COSTCO WHOLESALE CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>22160K105</cusip>
		<value>1810711</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2471</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>487</Sole>
			<Shared>0</Shared>
			<None>1984</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DEERE &amp; COMPANY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>244199105</cusip>
		<value>197154</value>
		<shrsOrPrnAmt>
			<sshPrnamt>480</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>339</Sole>
			<Shared>0</Shared>
			<None>141</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DEERE &amp; COMPANY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>244199105</cusip>
		<value>345022</value>
		<shrsOrPrnAmt>
			<sshPrnamt>840</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>840</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DIMENSIONAL</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>25434V708</cusip>
		<value>362665</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11351</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>11351</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WALT DISNEY COMPANY/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>254687106</cusip>
		<value>7019297</value>
		<shrsOrPrnAmt>
			<sshPrnamt>57365</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>20202</Sole>
			<Shared>0</Shared>
			<None>37163</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WALT DISNEY COMPANY/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>254687106</cusip>
		<value>330543</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2701</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2348</Sole>
			<Shared>0</Shared>
			<None>353</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DUKE ENERGY CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>26441C204</cusip>
		<value>245111</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2534</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>931</Sole>
			<Shared>0</Shared>
			<None>1603</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EOG RESOURCES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>26875P101</cusip>
		<value>6878747</value>
		<shrsOrPrnAmt>
			<sshPrnamt>53807</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>28982</Sole>
			<Shared>0</Shared>
			<None>24825</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EOG RESOURCES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>26875P101</cusip>
		<value>345680</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2704</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2600</Sole>
			<Shared>0</Shared>
			<None>104</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EATON VANCE</nameOfIssuer>
		<titleOfClass>UNIT INV TR NON</titleOfClass>
		<cusip>27826F101</cusip>
		<value>212200</value>
		<shrsOrPrnAmt>
			<sshPrnamt>20000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>20000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EMERSON ELECTRIC CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>291011104</cusip>
		<value>14325044</value>
		<shrsOrPrnAmt>
			<sshPrnamt>126301</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>71760</Sole>
			<Shared>0</Shared>
			<None>54541</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EMERSON ELECTRIC CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>291011104</cusip>
		<value>599652</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5287</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>4993</Sole>
			<Shared>0</Shared>
			<None>294</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ENTERPRISE PRODUCTS LP</nameOfIssuer>
		<titleOfClass>PARTNERSHIPS</titleOfClass>
		<cusip>293792107</cusip>
		<value>230496</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7899</sshPrnamt>
			<sshPrnamtType>PRN</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6000</Sole>
			<Shared>0</Shared>
			<None>1899</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ENTERPRISE PRODUCTS LP</nameOfIssuer>
		<titleOfClass>PARTNERSHIPS</titleOfClass>
		<cusip>293792107</cusip>
		<value>105048</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3600</sshPrnamt>
			<sshPrnamtType>PRN</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3600</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EQUINIX INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>29444U700</cusip>
		<value>2973706</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3603</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2164</Sole>
			<Shared>0</Shared>
			<None>1439</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EQUINIX INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>29444U700</cusip>
		<value>226967</value>
		<shrsOrPrnAmt>
			<sshPrnamt>275</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>267</Sole>
			<Shared>0</Shared>
			<None>8</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EXPEDITORS INTL WASH INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>302130109</cusip>
		<value>429830</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3536</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>3536</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>30231G102</cusip>
		<value>1135753</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9771</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>725</Sole>
			<Shared>0</Shared>
			<None>9046</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>30231G102</cusip>
		<value>23248</value>
		<shrsOrPrnAmt>
			<sshPrnamt>200</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>200</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>META PLATFORMS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>30303M102</cusip>
		<value>19069228</value>
		<shrsOrPrnAmt>
			<sshPrnamt>39272</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>20894</Sole>
			<Shared>0</Shared>
			<None>18378</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>META PLATFORMS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>30303M102</cusip>
		<value>867934</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1787</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1604</Sole>
			<Shared>0</Shared>
			<None>183</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MANDALAY INCOME FUND</nameOfIssuer>
		<titleOfClass>PARTNERSHIPS</titleOfClass>
		<cusip>30699G545</cusip>
		<value>50000</value>
		<shrsOrPrnAmt>
			<sshPrnamt>50000</sshPrnamt>
			<sshPrnamtType>PRN</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>50000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FIRST AMERICAN FINANCIAL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>31847R102</cusip>
		<value>21137708</value>
		<shrsOrPrnAmt>
			<sshPrnamt>346236</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>345015</Sole>
			<Shared>0</Shared>
			<None>1221</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FIRST AMERICAN FINANCIAL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>31847R102</cusip>
		<value>61050</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1000</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FISERV INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>337738108</cusip>
		<value>848184</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5307</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>5307</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FUNDX</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>360876809</cusip>
		<value>392477</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6385</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6385</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>369550108</cusip>
		<value>4586685</value>
		<shrsOrPrnAmt>
			<sshPrnamt>16237</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>9657</Sole>
			<Shared>0</Shared>
			<None>6580</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>369550108</cusip>
		<value>289271</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1024</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>988</Sole>
			<Shared>0</Shared>
			<None>36</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>372460105</cusip>
		<value>179257</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1157</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1050</Sole>
			<Shared>0</Shared>
			<None>107</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>372460105</cusip>
		<value>6939779</value>
		<shrsOrPrnAmt>
			<sshPrnamt>44793</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>44793</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WW GRAINGER INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>384802104</cusip>
		<value>225841</value>
		<shrsOrPrnAmt>
			<sshPrnamt>222</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>222</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GUINNESS TELLI PHO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>402035109</cusip>
		<value>1</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>10000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HERSHEY CO/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>427866108</cusip>
		<value>538766</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2770</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2770</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>437076102</cusip>
		<value>1380194</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3598</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1716</Sole>
			<Shared>0</Shared>
			<None>1882</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>437076102</cusip>
		<value>34524</value>
		<shrsOrPrnAmt>
			<sshPrnamt>90</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>90</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HONEYWELL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>438516106</cusip>
		<value>6859179</value>
		<shrsOrPrnAmt>
			<sshPrnamt>33419</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>12081</Sole>
			<Shared>0</Shared>
			<None>21338</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HONEYWELL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>438516106</cusip>
		<value>446191</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2174</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1776</Sole>
			<Shared>0</Shared>
			<None>398</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>INTERCONTINENTAL EXCHANGE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>45866F104</cusip>
		<value>222061</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1616</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1616</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>INVESCO</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>46090E103</cusip>
		<value>1399963</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3153</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
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			<None>2758</None>
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			<None>533</None>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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			<None>3026</None>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<nameOfIssuer>ISHARES</nameOfIssuer>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
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		<cusip>46429B655</cusip>
		<value>67909</value>
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			<sshPrnamt>1330</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<cusip>46432F842</cusip>
		<value>1158677</value>
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			<sshPrnamt>15612</sshPrnamt>
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		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>46434G103</cusip>
		<value>291064</value>
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			<sshPrnamt>5642</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>46434V803</cusip>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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			<None>28843</None>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>50164</Sole>
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			<None>49409</None>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
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			<None>434</None>
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		<nameOfIssuer>JPMORGAN</nameOfIssuer>
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		<cusip>46641Q837</cusip>
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			<sshPrnamt>4022</sshPrnamt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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			<None>22</None>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1236</Sole>
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			<None>2774</None>
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	<infoTable>
		<nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
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			<sshPrnamt>937</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>500</Sole>
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			<None>437</None>
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	<infoTable>
		<nameOfIssuer>LAM RESEARCH CORP</nameOfIssuer>
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			<sshPrnamt>366</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>366</None>
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	<infoTable>
		<nameOfIssuer>ELI LILLY &amp; CO</nameOfIssuer>
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			<sshPrnamt>27263</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10864</Sole>
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			<None>16399</None>
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	<infoTable>
		<nameOfIssuer>ELI LILLY &amp; CO</nameOfIssuer>
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		<cusip>532457108</cusip>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
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			<None>553</None>
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	<infoTable>
		<nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
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		<shrsOrPrnAmt>
			<sshPrnamt>1423</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>514</Sole>
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			<None>909</None>
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		<nameOfIssuer>OAKHURST INCOME FUND</nameOfIssuer>
		<titleOfClass>PARTNERSHIPS</titleOfClass>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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			<Shared>0</Shared>
			<None>58580</None>
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	<infoTable>
		<nameOfIssuer>LOWE&apos;S COS INC</nameOfIssuer>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>44</Sole>
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			<None>1075</None>
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		<nameOfIssuer>MARATHON PETROLEUM CORP</nameOfIssuer>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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			<None>1530</None>
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	<infoTable>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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	<infoTable>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
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	<infoTable>
		<nameOfIssuer>MARVELL TECHNOLOGY INC</nameOfIssuer>
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		<cusip>573874104</cusip>
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		<shrsOrPrnAmt>
			<sshPrnamt>113784</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>71978</Sole>
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			<None>41806</None>
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	<infoTable>
		<nameOfIssuer>MARVELL TECHNOLOGY INC</nameOfIssuer>
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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>253</None>
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		<nameOfIssuer>MASTERCARD INC-CLASS A</nameOfIssuer>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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			<None>718</None>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>719</Sole>
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			<None>1311</None>
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	<infoTable>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
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	<infoTable>
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			<sshPrnamt>3743</sshPrnamt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>102</Sole>
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			<None>3641</None>
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	<infoTable>
		<nameOfIssuer>MERCK &amp; CO. INC</nameOfIssuer>
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		<investmentDiscretion>DFND</investmentDiscretion>
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			<None>2146</None>
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		<nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>594918104</cusip>
		<value>44829045</value>
		<shrsOrPrnAmt>
			<sshPrnamt>106554</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>52911</Sole>
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	<infoTable>
		<nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
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		<cusip>594918104</cusip>
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			<sshPrnamt>5256</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>4741</Sole>
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			<None>515</None>
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		<nameOfIssuer>MONDELEZ INTERNATIONAL INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>609207105</cusip>
		<value>229018</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3272</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>318</Sole>
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			<None>2954</None>
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		<nameOfIssuer>MORGAN STANLEY</nameOfIssuer>
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			<sshPrnamt>5442</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4086</Sole>
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			<None>1356</None>
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		<nameOfIssuer>MOSAIC CO/THE</nameOfIssuer>
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			<sshPrnamt>77703</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>48159</Sole>
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			<None>29544</None>
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	<infoTable>
		<nameOfIssuer>MOSAIC CO/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>61945C103</cusip>
		<value>118317</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3645</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3472</Sole>
			<Shared>0</Shared>
			<None>173</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>65339F101</cusip>
		<value>8868063</value>
		<shrsOrPrnAmt>
			<sshPrnamt>138758</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>59142</Sole>
			<Shared>0</Shared>
			<None>79616</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>65339F101</cusip>
		<value>369271</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5778</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>5431</Sole>
			<Shared>0</Shared>
			<None>347</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NIKE INC - CL B</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>654106103</cusip>
		<value>8109993</value>
		<shrsOrPrnAmt>
			<sshPrnamt>86296</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>40968</Sole>
			<Shared>0</Shared>
			<None>45328</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NIKE INC - CL B</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>654106103</cusip>
		<value>297916</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3170</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2951</Sole>
			<Shared>0</Shared>
			<None>219</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>NOVARTIS AG-ADR</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>66987V109</cusip>
		<value>531143</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5491</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4384</Sole>
			<Shared>0</Shared>
			<None>1107</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>NOVO-NORDISK A/S-SPONS ADR</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>670100205</cusip>
		<value>6473722</value>
		<shrsOrPrnAmt>
			<sshPrnamt>50418</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>18073</Sole>
			<Shared>0</Shared>
			<None>32345</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NOVO-NORDISK A/S-SPONS ADR</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>670100205</cusip>
		<value>295834</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2304</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2180</Sole>
			<Shared>0</Shared>
			<None>124</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>NVIDIA CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>67066G104</cusip>
		<value>12641514</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13990</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>686</Sole>
			<Shared>0</Shared>
			<None>13304</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>NVIDIA CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>67066G104</cusip>
		<value>66863</value>
		<shrsOrPrnAmt>
			<sshPrnamt>74</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>74</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>NUVEEN</nameOfIssuer>
		<titleOfClass>UNIT INV TR NON</titleOfClass>
		<cusip>67066Y105</cusip>
		<value>209380</value>
		<shrsOrPrnAmt>
			<sshPrnamt>19000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>19000</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PALLADIUS INCOME FUND</nameOfIssuer>
		<titleOfClass>PARTNERSHIPS</titleOfClass>
		<cusip>67299R117</cusip>
		<value>25000</value>
		<shrsOrPrnAmt>
			<sshPrnamt>25000</sshPrnamt>
			<sshPrnamtType>PRN</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>25000</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>OAKHURST OPPORTUNITY LENDING</nameOfIssuer>
		<titleOfClass>PARTNERSHIPS</titleOfClass>
		<cusip>67299W587</cusip>
		<value>46460</value>
		<shrsOrPrnAmt>
			<sshPrnamt>46460</sshPrnamt>
			<sshPrnamtType>PRN</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>46460</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>OMNICOM GROUP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>681919106</cusip>
		<value>176104</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1820</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1700</Sole>
			<Shared>0</Shared>
			<None>120</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>OMNICOM GROUP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>681919106</cusip>
		<value>96760</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>ORACLE CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>68389X105</cusip>
		<value>13654659</value>
		<shrsOrPrnAmt>
			<sshPrnamt>108707</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>58333</Sole>
			<Shared>0</Shared>
			<None>50374</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ORACLE CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>68389X105</cusip>
		<value>900912</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7172</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>5395</Sole>
			<Shared>0</Shared>
			<None>1777</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BLUE OWL CREDIT INCOME CORP</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>69120V309</cusip>
		<value>1340419</value>
		<shrsOrPrnAmt>
			<sshPrnamt>140801</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>140801</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PALO ALTO NETWORKS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>697435105</cusip>
		<value>2847967</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10023</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5613</Sole>
			<Shared>0</Shared>
			<None>4410</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PALO ALTO NETWORKS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>697435105</cusip>
		<value>107687</value>
		<shrsOrPrnAmt>
			<sshPrnamt>379</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>359</Sole>
			<Shared>0</Shared>
			<None>20</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PARTNERS GROUP</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>70214G208</cusip>
		<value>89864</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10982</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>10982</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PEPSICO INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>713448108</cusip>
		<value>741538</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4237</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1047</Sole>
			<Shared>0</Shared>
			<None>3190</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PEPSICO INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>713448108</cusip>
		<value>217340</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1242</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>782</Sole>
			<Shared>0</Shared>
			<None>460</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PERKINELMER INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>714046109</cusip>
		<value>279825</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2665</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2665</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PFIZER INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>717081103</cusip>
		<value>267111</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9626</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>934</Sole>
			<Shared>0</Shared>
			<None>8692</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PFIZER INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>717081103</cusip>
		<value>129620</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4671</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3671</Sole>
			<Shared>0</Shared>
			<None>1000</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>718172109</cusip>
		<value>362539</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3957</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2603</Sole>
			<Shared>0</Shared>
			<None>1354</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PHILLIPS 66</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>718546104</cusip>
		<value>9292871</value>
		<shrsOrPrnAmt>
			<sshPrnamt>56893</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>32638</Sole>
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			<None>24255</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PHILLIPS 66</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>718546104</cusip>
		<value>435793</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2668</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2555</Sole>
			<Shared>0</Shared>
			<None>113</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PROCTER &amp; GAMBLE CO/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>742718109</cusip>
		<value>795642</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4904</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>771</Sole>
			<Shared>0</Shared>
			<None>4133</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PROCTER &amp; GAMBLE CO/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>742718109</cusip>
		<value>81125</value>
		<shrsOrPrnAmt>
			<sshPrnamt>500</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>500</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PUBLIC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>744573106</cusip>
		<value>497511</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7450</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4626</Sole>
			<Shared>0</Shared>
			<None>2824</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>QUALCOMM INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>747525103</cusip>
		<value>8453541</value>
		<shrsOrPrnAmt>
			<sshPrnamt>49932</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>24957</Sole>
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			<None>24975</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>QUALCOMM INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>747525103</cusip>
		<value>388713</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2296</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1883</Sole>
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			<None>413</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>REDWOOD MORTGAGE INVESTORS VIII</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>758059307</cusip>
		<value>2</value>
		<shrsOrPrnAmt>
			<sshPrnamt>41194</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>41194</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>RIO TINTO PLC - SPONS ADR</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>767204100</cusip>
		<value>3912495</value>
		<shrsOrPrnAmt>
			<sshPrnamt>61382</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>32754</Sole>
			<Shared>0</Shared>
			<None>28628</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>RIO TINTO PLC - SPONS ADR</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>767204100</cusip>
		<value>167382</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2626</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2482</Sole>
			<Shared>0</Shared>
			<None>144</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ROCKWELL AUTOMATION INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>773903109</cusip>
		<value>5050293</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17335</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7950</Sole>
			<Shared>0</Shared>
			<None>9385</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ROCKWELL AUTOMATION INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>773903109</cusip>
		<value>191988</value>
		<shrsOrPrnAmt>
			<sshPrnamt>659</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>615</Sole>
			<Shared>0</Shared>
			<None>44</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ROYAL DUTCH SHELL PLC-ADR</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>780259305</cusip>
		<value>303297</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4524</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>4524</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>78462F103</cusip>
		<value>4656366</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8902</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>446</Sole>
			<Shared>0</Shared>
			<None>8456</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>COMMODITIES ETF</titleOfClass>
		<cusip>78463V107</cusip>
		<value>565318</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2748</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2513</Sole>
			<Shared>0</Shared>
			<None>235</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>ALTERNATIVE ETF</titleOfClass>
		<cusip>78464A607</cusip>
		<value>407632</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4325</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>4325</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>78468R622</cusip>
		<value>666420</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>96</Sole>
			<Shared>0</Shared>
			<None>6904</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>78468R622</cusip>
		<value>3427</value>
		<shrsOrPrnAmt>
			<sshPrnamt>36</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>36</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>UNIT INV TR NON</titleOfClass>
		<cusip>78468R739</cusip>
		<value>255406</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5383</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>5383</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>78468R804</cusip>
		<value>23908479</value>
		<shrsOrPrnAmt>
			<sshPrnamt>153515</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>79293</Sole>
			<Shared>0</Shared>
			<None>74222</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>78468R804</cusip>
		<value>214142</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1375</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1236</Sole>
			<Shared>0</Shared>
			<None>139</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SALESFORCE.COM INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>79466L302</cusip>
		<value>321480</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1067</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1067</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SALESFORCE.COM INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>79466L302</cusip>
		<value>35539</value>
		<shrsOrPrnAmt>
			<sshPrnamt>118</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>118</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>806857108</cusip>
		<value>6018980</value>
		<shrsOrPrnAmt>
			<sshPrnamt>109816</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>56927</Sole>
			<Shared>0</Shared>
			<None>52889</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>806857108</cusip>
		<value>310717</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5669</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>5463</Sole>
			<Shared>0</Shared>
			<None>206</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>81369Y209</cusip>
		<value>277438</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1878</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>253</Sole>
			<Shared>0</Shared>
			<None>1625</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SEMPRA ENERGY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>816851109</cusip>
		<value>280855</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3910</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3846</Sole>
			<Shared>0</Shared>
			<None>64</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SERVICENOW INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>81762P102</cusip>
		<value>4360123</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5719</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3516</Sole>
			<Shared>0</Shared>
			<None>2203</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SERVICENOW INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>81762P102</cusip>
		<value>273701</value>
		<shrsOrPrnAmt>
			<sshPrnamt>359</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>347</Sole>
			<Shared>0</Shared>
			<None>12</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SHERWIN-WILLIAMS CO/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>824348106</cusip>
		<value>10443033</value>
		<shrsOrPrnAmt>
			<sshPrnamt>30067</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>30067</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SIMPLIFY</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>82889N525</cusip>
		<value>5756962</value>
		<shrsOrPrnAmt>
			<sshPrnamt>113081</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>18056</Sole>
			<Shared>0</Shared>
			<None>95025</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SIMPLIFY</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>82889N525</cusip>
		<value>133945</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2631</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2631</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>855244109</cusip>
		<value>391277</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4281</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>500</Sole>
			<Shared>0</Shared>
			<None>3781</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STRYKER CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>863667101</cusip>
		<value>191819</value>
		<shrsOrPrnAmt>
			<sshPrnamt>536</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>536</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STRYKER CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>863667101</cusip>
		<value>49386</value>
		<shrsOrPrnAmt>
			<sshPrnamt>138</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>138</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TJX COMPANIES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>872540109</cusip>
		<value>179029</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1765</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1765</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TJX COMPANIES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>872540109</cusip>
		<value>50507</value>
		<shrsOrPrnAmt>
			<sshPrnamt>498</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>498</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TAIWAN SEMICONDUCTOR - SP ADR</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>874039100</cusip>
		<value>363389</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2671</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1524</Sole>
			<Shared>0</Shared>
			<None>1147</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TAKE-TWO INTERACTIVE SOFTWARE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>874054109</cusip>
		<value>3780873</value>
		<shrsOrPrnAmt>
			<sshPrnamt>25462</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>15808</Sole>
			<Shared>0</Shared>
			<None>9654</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TAKE-TWO INTERACTIVE SOFTWARE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>874054109</cusip>
		<value>136315</value>
		<shrsOrPrnAmt>
			<sshPrnamt>918</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>862</Sole>
			<Shared>0</Shared>
			<None>56</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TARGET CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>87612E106</cusip>
		<value>328780</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1855</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>50</Sole>
			<Shared>0</Shared>
			<None>1805</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TERADYNE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>880770102</cusip>
		<value>5915169</value>
		<shrsOrPrnAmt>
			<sshPrnamt>52425</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>28973</Sole>
			<Shared>0</Shared>
			<None>23452</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TERADYNE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>880770102</cusip>
		<value>207834</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1842</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1714</Sole>
			<Shared>0</Shared>
			<None>128</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TESLA INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>88160R101</cusip>
		<value>774303</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4405</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>276</Sole>
			<Shared>0</Shared>
			<None>4129</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TESLA INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>88160R101</cusip>
		<value>29884</value>
		<shrsOrPrnAmt>
			<sshPrnamt>170</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>151</Sole>
			<Shared>0</Shared>
			<None>19</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TEXAS INSTRUMENTS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>882508104</cusip>
		<value>278201</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1597</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>37</Sole>
			<Shared>0</Shared>
			<None>1560</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TEXAS INSTRUMENTS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>882508104</cusip>
		<value>30313</value>
		<shrsOrPrnAmt>
			<sshPrnamt>174</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>174</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
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		<investmentDiscretion>DFND</investmentDiscretion>
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			<None>126</None>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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			<None>900</None>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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			<None>57531</None>
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		<investmentDiscretion>DFND</investmentDiscretion>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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			<None>385</None>
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		<investmentDiscretion>DFND</investmentDiscretion>
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		<nameOfIssuer>TYSON FOODS INC-CL A</nameOfIssuer>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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			<None>41340</None>
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		<investmentDiscretion>DFND</investmentDiscretion>
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		<nameOfIssuer>FI ENHANCED</nameOfIssuer>
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		<cusip>902677780</cusip>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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			<None>268</None>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>39982</Sole>
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			<None>27385</None>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5523</Sole>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>392</Sole>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>21014</Sole>
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			<None>22170</None>
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		<nameOfIssuer>UNION PACIFIC CORP</nameOfIssuer>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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			<None>377</None>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>316</Sole>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<None>2522</None>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<nameOfIssuer>VANGUARD</nameOfIssuer>
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		<nameOfIssuer>VANGUARD</nameOfIssuer>
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		<votingAuthority>
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		<investmentDiscretion>DFND</investmentDiscretion>
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		<nameOfIssuer>VANGUARD</nameOfIssuer>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<investmentDiscretion>DFND</investmentDiscretion>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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		<investmentDiscretion>DFND</investmentDiscretion>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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		<nameOfIssuer>WISDOMTREE</nameOfIssuer>
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		<investmentDiscretion>DFND</investmentDiscretion>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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		<investmentDiscretion>DFND</investmentDiscretion>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>98419M100</cusip>
		<value>293763</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2273</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2190</Sole>
			<Shared>0</Shared>
			<None>83</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ZOETIS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>98978V103</cusip>
		<value>7846018</value>
		<shrsOrPrnAmt>
			<sshPrnamt>46369</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>20743</Sole>
			<Shared>0</Shared>
			<None>25626</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ZOETIS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>98978V103</cusip>
		<value>226743</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1340</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1226</Sole>
			<Shared>0</Shared>
			<None>114</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ACCENTURE PLC -</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>G1151C101</cusip>
		<value>342186</value>
		<shrsOrPrnAmt>
			<sshPrnamt>987</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>31</Sole>
			<Shared>0</Shared>
			<None>956</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ACCENTURE PLC -</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>G1151C101</cusip>
		<value>45059</value>
		<shrsOrPrnAmt>
			<sshPrnamt>130</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>130</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>LINDE PLC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>G54950103</cusip>
		<value>390277</value>
		<shrsOrPrnAmt>
			<sshPrnamt>841</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>25</Sole>
			<Shared>0</Shared>
			<None>816</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHUBB LTD</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>H1467J104</cusip>
		<value>242549</value>
		<shrsOrPrnAmt>
			<sshPrnamt>936</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>31</Sole>
			<Shared>0</Shared>
			<None>905</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHUBB LTD</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>H1467J104</cusip>
		<value>49235</value>
		<shrsOrPrnAmt>
			<sshPrnamt>190</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>190</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NXP SEMICONDUCTORS NV</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>N6596X109</cusip>
		<value>1136314</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4586</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>305</Sole>
			<Shared>0</Shared>
			<None>4281</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NXP SEMICONDUCTORS NV</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>N6596X109</cusip>
		<value>80774</value>
		<shrsOrPrnAmt>
			<sshPrnamt>326</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>312</Sole>
			<Shared>0</Shared>
			<None>14</None>
		</votingAuthority>
	</infoTable>
</informationTable>
