<informationTable xsi:schemaLocation="http://www.sec.gov/edgar/document/thirteenf/informationtable eis_13FDocument.xsd" xmlns="http://www.sec.gov/edgar/document/thirteenf/informationtable" xmlns:n1="http://www.sec.gov/edgar/document/thirteenf/informationtable" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
	<infoTable>
		<nameOfIssuer>ALERIAN</nameOfIssuer>
		<titleOfClass>COMMODITIES ETF</titleOfClass>
		<cusip>00162Q452</cusip>
		<value>16369836</value>
		<shrsOrPrnAmt>
			<sshPrnamt>348146</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>182701</Sole>
			<Shared>0</Shared>
			<None>165445</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ALERIAN</nameOfIssuer>
		<titleOfClass>COMMODITIES ETF</titleOfClass>
		<cusip>00162Q452</cusip>
		<value>663262</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14106</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>9904</Sole>
			<Shared>0</Shared>
			<None>4202</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AMG</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>001700137</cusip>
		<value>696275</value>
		<shrsOrPrnAmt>
			<sshPrnamt>25875</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>25875</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AGP</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>00199K098</cusip>
		<value>69449</value>
		<shrsOrPrnAmt>
			<sshPrnamt>69449</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>69449</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TPG TWIN BROOK</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>00199N209</cusip>
		<value>819230</value>
		<shrsOrPrnAmt>
			<sshPrnamt>32516</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>32516</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AT&amp;T INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>00206R102</cusip>
		<value>284573</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11456</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5052</Sole>
			<Shared>0</Shared>
			<None>6404</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ABBOTT LABORATORIES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>002824100</cusip>
		<value>13763226</value>
		<shrsOrPrnAmt>
			<sshPrnamt>109851</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>30851</Sole>
			<Shared>0</Shared>
			<None>79000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ABBOTT LABORATORIES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>002824100</cusip>
		<value>425845</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3399</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1917</Sole>
			<Shared>0</Shared>
			<None>1482</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ABBVIE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>00287Y109</cusip>
		<value>13519228</value>
		<shrsOrPrnAmt>
			<sshPrnamt>59169</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>30339</Sole>
			<Shared>0</Shared>
			<None>28830</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ABBVIE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>00287Y109</cusip>
		<value>694583</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3040</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2093</Sole>
			<Shared>0</Shared>
			<None>947</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AIR PRODUCTS &amp; CHEMICALS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>009158106</cusip>
		<value>386792</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1566</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>53</Sole>
			<Shared>0</Shared>
			<None>1513</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AIREX</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>00999J705</cusip>
		<value>1897293</value>
		<shrsOrPrnAmt>
			<sshPrnamt>162</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>162</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ALPHABET INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>02079K107</cusip>
		<value>3397165</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10825</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4692</Sole>
			<Shared>0</Shared>
			<None>6133</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ALPHABET INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>02079K107</cusip>
		<value>219748</value>
		<shrsOrPrnAmt>
			<sshPrnamt>700</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>600</Sole>
			<Shared>0</Shared>
			<None>100</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ALPHABET INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>02079K305</cusip>
		<value>38113979</value>
		<shrsOrPrnAmt>
			<sshPrnamt>121770</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>51588</Sole>
			<Shared>0</Shared>
			<None>70182</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ALPHABET INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>02079K305</cusip>
		<value>1840845</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5881</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>4414</Sole>
			<Shared>0</Shared>
			<None>1467</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AMAZON.COM INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>023135106</cusip>
		<value>40044005</value>
		<shrsOrPrnAmt>
			<sshPrnamt>173487</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>78706</Sole>
			<Shared>0</Shared>
			<None>94781</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AMAZON.COM INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>023135106</cusip>
		<value>2073457</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8983</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>5786</Sole>
			<Shared>0</Shared>
			<None>3197</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AMERICAN CENTURY ETF TRUST</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>025072562</cusip>
		<value>230210</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5491</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>5491</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AMERICAN ELECTRIC POWER</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>025537101</cusip>
		<value>201496</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1747</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>416</Sole>
			<Shared>0</Shared>
			<None>1331</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>025816109</cusip>
		<value>218904</value>
		<shrsOrPrnAmt>
			<sshPrnamt>592</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>592</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ANALOG DEVICES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>032654105</cusip>
		<value>501995</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1851</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>210</Sole>
			<Shared>0</Shared>
			<None>1641</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>APPLE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>037833100</cusip>
		<value>87785661</value>
		<shrsOrPrnAmt>
			<sshPrnamt>322903</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>93023</Sole>
			<Shared>0</Shared>
			<None>229880</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>APPLE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>037833100</cusip>
		<value>2864413</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10536</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>7160</Sole>
			<Shared>0</Shared>
			<None>3376</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>APPLIED MATERIALS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>038222105</cusip>
		<value>2331330</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9072</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>9072</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>APPLIED MATERIALS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>038222105</cusip>
		<value>139375</value>
		<shrsOrPrnAmt>
			<sshPrnamt>542</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>542</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>APPLOVIN CORPORATION</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>03831W108</cusip>
		<value>1045491</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1552</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1552</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>APPLOVIN CORPORATION</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>03831W108</cusip>
		<value>143430</value>
		<shrsOrPrnAmt>
			<sshPrnamt>213</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>213</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ARCHWAY REAL ESTATE INCOME FUND</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>03999M009</cusip>
		<value>149772</value>
		<shrsOrPrnAmt>
			<sshPrnamt>149772</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>149772</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BANK OF AMERICA CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>060505104</cusip>
		<value>320050</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5819</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1676</Sole>
			<Shared>0</Shared>
			<None>4143</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BANK OF AMERICA CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>060505104</cusip>
		<value>23980</value>
		<shrsOrPrnAmt>
			<sshPrnamt>436</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>436</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BANK OF NEW YORK MELLON CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>064058100</cusip>
		<value>9153084</value>
		<shrsOrPrnAmt>
			<sshPrnamt>78846</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>43265</Sole>
			<Shared>0</Shared>
			<None>35581</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BANK OF NEW YORK MELLON CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>064058100</cusip>
		<value>438239</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3775</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2645</Sole>
			<Shared>0</Shared>
			<None>1130</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BERKSHIRE HATHAWAY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>084670702</cusip>
		<value>4889952</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9729</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5811</Sole>
			<Shared>0</Shared>
			<None>3918</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BIOLARGO INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>09065A100</cusip>
		<value>21718</value>
		<shrsOrPrnAmt>
			<sshPrnamt>117838</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>117838</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BLACKROCK ETF TRUST II</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>092528884</cusip>
		<value>1877567</value>
		<shrsOrPrnAmt>
			<sshPrnamt>37209</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>25673</Sole>
			<Shared>0</Shared>
			<None>11536</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BLACKROCK ETF TRUST II</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>092528884</cusip>
		<value>139977</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2774</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2774</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BLACKSTONE REAL ESTATE INCOME TR</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>09259K401</cusip>
		<value>1477848</value>
		<shrsOrPrnAmt>
			<sshPrnamt>105486</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>105486</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BLACKSTONE GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>09260D107</cusip>
		<value>299324</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1943</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1000</Sole>
			<Shared>0</Shared>
			<None>943</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BLACKSTONE GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>09260D107</cusip>
		<value>385350</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2500</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2500</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BLACKROCK, INC.</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>09290D101</cusip>
		<value>12039931</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11248</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6248</Sole>
			<Shared>0</Shared>
			<None>5000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BLACKROCK, INC.</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>09290D101</cusip>
		<value>600460</value>
		<shrsOrPrnAmt>
			<sshPrnamt>561</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>369</Sole>
			<Shared>0</Shared>
			<None>192</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BOEING CO/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>097023105</cusip>
		<value>4857604</value>
		<shrsOrPrnAmt>
			<sshPrnamt>22372</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>12101</Sole>
			<Shared>0</Shared>
			<None>10271</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BOEING CO/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>097023105</cusip>
		<value>212124</value>
		<shrsOrPrnAmt>
			<sshPrnamt>977</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>718</Sole>
			<Shared>0</Shared>
			<None>259</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BOOKING HOLDINGS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>09857L108</cusip>
		<value>8046518</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1502</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>801</Sole>
			<Shared>0</Shared>
			<None>701</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BOOKING HOLDINGS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>09857L108</cusip>
		<value>605154</value>
		<shrsOrPrnAmt>
			<sshPrnamt>113</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>100</Sole>
			<Shared>0</Shared>
			<None>13</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BOSTON SCIENTIFIC CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>101137107</cusip>
		<value>7359152</value>
		<shrsOrPrnAmt>
			<sshPrnamt>77179</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>31143</Sole>
			<Shared>0</Shared>
			<None>46036</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BOSTON SCIENTIFIC CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>101137107</cusip>
		<value>315800</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3312</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2562</Sole>
			<Shared>0</Shared>
			<None>750</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>110122108</cusip>
		<value>286053</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5304</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>858</Sole>
			<Shared>0</Shared>
			<None>4446</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>110122108</cusip>
		<value>27953</value>
		<shrsOrPrnAmt>
			<sshPrnamt>518</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>518</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BROADCOM INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>11135F101</cusip>
		<value>19649850</value>
		<shrsOrPrnAmt>
			<sshPrnamt>56776</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>31166</Sole>
			<Shared>0</Shared>
			<None>25610</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BROADCOM INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>11135F101</cusip>
		<value>1415896</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4091</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1911</Sole>
			<Shared>0</Shared>
			<None>2180</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CIGNA CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>125523100</cusip>
		<value>4708147</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17108</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>9407</Sole>
			<Shared>0</Shared>
			<None>7701</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CIGNA CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>125523100</cusip>
		<value>224026</value>
		<shrsOrPrnAmt>
			<sshPrnamt>814</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>640</Sole>
			<Shared>0</Shared>
			<None>174</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CMS ENERGY CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>125896100</cusip>
		<value>8575596</value>
		<shrsOrPrnAmt>
			<sshPrnamt>122632</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>57070</Sole>
			<Shared>0</Shared>
			<None>65562</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CMS ENERGY CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>125896100</cusip>
		<value>354824</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5074</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>4252</Sole>
			<Shared>0</Shared>
			<None>822</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>126650100</cusip>
		<value>397000</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5003</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>29</Sole>
			<Shared>0</Shared>
			<None>4974</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CAPITAL ONE FINANCIAL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>14040H105</cusip>
		<value>240608</value>
		<shrsOrPrnAmt>
			<sshPrnamt>993</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>993</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CARDINAL HEALTH INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>14149Y108</cusip>
		<value>42524</value>
		<shrsOrPrnAmt>
			<sshPrnamt>207</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>207</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CARDINAL HEALTH INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>14149Y108</cusip>
		<value>205500</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>SILA REALTY TRUST</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>146280102</cusip>
		<value>270122</value>
		<shrsOrPrnAmt>
			<sshPrnamt>32862</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>32862</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CASCADE TECHN CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>14738Y105</cusip>
		<value>2125</value>
		<shrsOrPrnAmt>
			<sshPrnamt>50000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>50000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>149123101</cusip>
		<value>12716756</value>
		<shrsOrPrnAmt>
			<sshPrnamt>22198</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>9922</Sole>
			<Shared>0</Shared>
			<None>12276</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>149123101</cusip>
		<value>1346852</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2351</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>602</Sole>
			<Shared>0</Shared>
			<None>1749</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHARTER COMMUNICATIONS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>16119P108</cusip>
		<value>4262146</value>
		<shrsOrPrnAmt>
			<sshPrnamt>20417</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>11103</Sole>
			<Shared>0</Shared>
			<None>9314</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHARTER COMMUNICATIONS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>16119P108</cusip>
		<value>154477</value>
		<shrsOrPrnAmt>
			<sshPrnamt>740</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>573</Sole>
			<Shared>0</Shared>
			<None>167</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHEVRON CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>166764100</cusip>
		<value>2056628</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13494</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>375</Sole>
			<Shared>0</Shared>
			<None>13119</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHEVRON CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>166764100</cusip>
		<value>636464</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4176</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2176</Sole>
			<Shared>0</Shared>
			<None>2000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>17275R102</cusip>
		<value>1074097</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13943</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3168</Sole>
			<Shared>0</Shared>
			<None>10775</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>17275R102</cusip>
		<value>141176</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1833</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1833</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CINTAS CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>172908105</cusip>
		<value>839139</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4462</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>4462</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CITIGROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>172967424</cusip>
		<value>16688291</value>
		<shrsOrPrnAmt>
			<sshPrnamt>143016</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>64955</Sole>
			<Shared>0</Shared>
			<None>78061</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CITIGROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>172967424</cusip>
		<value>659997</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5656</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>4450</Sole>
			<Shared>0</Shared>
			<None>1206</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COCA-COLA CO/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>191216100</cusip>
		<value>1442248</value>
		<shrsOrPrnAmt>
			<sshPrnamt>20632</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1115</Sole>
			<Shared>0</Shared>
			<None>19517</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COCA-COLA CO/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>191216100</cusip>
		<value>1135828</value>
		<shrsOrPrnAmt>
			<sshPrnamt>16247</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>14900</Sole>
			<Shared>0</Shared>
			<None>1347</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COMCAST CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>20030N101</cusip>
		<value>619964</value>
		<shrsOrPrnAmt>
			<sshPrnamt>20742</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>997</Sole>
			<Shared>0</Shared>
			<None>19745</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COMCAST CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>20030N101</cusip>
		<value>4992</value>
		<shrsOrPrnAmt>
			<sshPrnamt>167</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>167</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CONSTELLATION ENERGY CORP.</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>21037T109</cusip>
		<value>470158</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1331</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1331</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>OAKHURST INCOME FUND</nameOfIssuer>
		<titleOfClass>PARTNERSHIPS</titleOfClass>
		<cusip>21399R071</cusip>
		<value>142431</value>
		<shrsOrPrnAmt>
			<sshPrnamt>142431</sshPrnamt>
			<sshPrnamtType>PRN</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>142431</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CARLYLE</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>215991134</cusip>
		<value>191029</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10140</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>10140</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COSTCO WHOLESALE CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>22160K105</cusip>
		<value>1626091</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1885</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>433</Sole>
			<Shared>0</Shared>
			<None>1452</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COSTCO WHOLESALE CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>22160K105</cusip>
		<value>40530</value>
		<shrsOrPrnAmt>
			<sshPrnamt>47</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>47</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DEERE &amp; COMPANY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>244199105</cusip>
		<value>213110</value>
		<shrsOrPrnAmt>
			<sshPrnamt>458</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>314</Sole>
			<Shared>0</Shared>
			<None>144</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DEERE &amp; COMPANY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>244199105</cusip>
		<value>391079</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>DELL TECHNOLOGIES INC-CL V</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>24703L202</cusip>
		<value>413235</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3283</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>3283</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DIMENSIONAL</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>25434V401</cusip>
		<value>710475</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9579</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>9579</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DIMENSIONAL</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>25434V500</cusip>
		<value>697086</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10006</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>10006</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DIMENSIONAL</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>25434V666</cusip>
		<value>315040</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9209</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>9209</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DIMENSIONAL</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>25434V708</cusip>
		<value>335644</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8478</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>8478</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DIMENSIONAL</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>25434V831</cusip>
		<value>315231</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8289</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>8289</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WALT DISNEY COMPANY/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>254687106</cusip>
		<value>4758016</value>
		<shrsOrPrnAmt>
			<sshPrnamt>41823</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>16528</Sole>
			<Shared>0</Shared>
			<None>25295</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WALT DISNEY COMPANY/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>254687106</cusip>
		<value>185510</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1631</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1128</Sole>
			<Shared>0</Shared>
			<None>503</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EOG RESOURCES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>26875P101</cusip>
		<value>6293416</value>
		<shrsOrPrnAmt>
			<sshPrnamt>59932</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>28738</Sole>
			<Shared>0</Shared>
			<None>31194</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EOG RESOURCES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>26875P101</cusip>
		<value>244883</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2332</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1931</Sole>
			<Shared>0</Shared>
			<None>401</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EASTGROUP PROPERTIES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>277276101</cusip>
		<value>1069</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>6</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EASTGROUP PROPERTIES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>277276101</cusip>
		<value>311745</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1750</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1750</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EATON VANCE</nameOfIssuer>
		<titleOfClass>UNIT INV TR NON</titleOfClass>
		<cusip>27826F101</cusip>
		<value>200800</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>ECOLAB INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>278865100</cusip>
		<value>277749</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1058</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1058</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EMERSON ELECTRIC CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>291011104</cusip>
		<value>9206845</value>
		<shrsOrPrnAmt>
			<sshPrnamt>69371</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>36184</Sole>
			<Shared>0</Shared>
			<None>33187</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EMERSON ELECTRIC CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>291011104</cusip>
		<value>677667</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5106</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3376</Sole>
			<Shared>0</Shared>
			<None>1730</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ENTERGY CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>29364G103</cusip>
		<value>4066305</value>
		<shrsOrPrnAmt>
			<sshPrnamt>43994</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>24165</Sole>
			<Shared>0</Shared>
			<None>19829</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ENTERGY CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>29364G103</cusip>
		<value>224328</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2427</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1997</Sole>
			<Shared>0</Shared>
			<None>430</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ENTERPRISE PRODUCTS LP</nameOfIssuer>
		<titleOfClass>PARTNERSHIPS</titleOfClass>
		<cusip>293792107</cusip>
		<value>211628</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6601</sshPrnamt>
			<sshPrnamtType>PRN</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6000</Sole>
			<Shared>0</Shared>
			<None>601</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ENTERPRISE PRODUCTS LP</nameOfIssuer>
		<titleOfClass>PARTNERSHIPS</titleOfClass>
		<cusip>293792107</cusip>
		<value>115416</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>EXPEDITORS INTL WASH INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>302130109</cusip>
		<value>391700</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2629</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2629</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>30231G102</cusip>
		<value>916328</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7614</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>600</Sole>
			<Shared>0</Shared>
			<None>7014</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>30231G102</cusip>
		<value>307687</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2557</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2557</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>META PLATFORMS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>30303M102</cusip>
		<value>17979457</value>
		<shrsOrPrnAmt>
			<sshPrnamt>27239</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>11577</Sole>
			<Shared>0</Shared>
			<None>15662</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>META PLATFORMS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>30303M102</cusip>
		<value>870000</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1318</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>998</Sole>
			<Shared>0</Shared>
			<None>320</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>FIDELITY</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>316092113</cusip>
		<value>217132</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5688</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>5688</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FIDELITY </nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>316188309</cusip>
		<value>363554</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7896</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>7896</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FIRST AMERICAN FINANCIAL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>31847R102</cusip>
		<value>21273047</value>
		<shrsOrPrnAmt>
			<sshPrnamt>346241</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>345015</Sole>
			<Shared>0</Shared>
			<None>1226</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FIRST AMERICAN FINANCIAL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>31847R102</cusip>
		<value>61440</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>FIRST CITIZENS BCSHS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>31946M103</cusip>
		<value>225349</value>
		<shrsOrPrnAmt>
			<sshPrnamt>105</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>105</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FREEPORT-MCMORAN INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>35671D857</cusip>
		<value>3636301</value>
		<shrsOrPrnAmt>
			<sshPrnamt>71593</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>39351</Sole>
			<Shared>0</Shared>
			<None>32242</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FREEPORT-MCMORAN INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>35671D857</cusip>
		<value>148967</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2933</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2592</Sole>
			<Shared>0</Shared>
			<None>341</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GE VERNOVA INC.</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>36828A101</cusip>
		<value>232428</value>
		<shrsOrPrnAmt>
			<sshPrnamt>355</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>355</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GE VERNOVA INC.</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>36828A101</cusip>
		<value>138262</value>
		<shrsOrPrnAmt>
			<sshPrnamt>212</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>212</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GE AEROSPACE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>369604301</cusip>
		<value>401969</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1305</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1305</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GE AEROSPACE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>369604301</cusip>
		<value>206572</value>
		<shrsOrPrnAmt>
			<sshPrnamt>671</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>671</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>375558103</cusip>
		<value>246362</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2008</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>500</Sole>
			<Shared>0</Shared>
			<None>1508</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>38141G104</cusip>
		<value>7433234</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8456</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4432</Sole>
			<Shared>0</Shared>
			<None>4024</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>38141G104</cusip>
		<value>393792</value>
		<shrsOrPrnAmt>
			<sshPrnamt>448</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>363</Sole>
			<Shared>0</Shared>
			<None>85</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GOLDMAN SACHS TRUST</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>381430602</cusip>
		<value>19446153</value>
		<shrsOrPrnAmt>
			<sshPrnamt>257122</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>138929</Sole>
			<Shared>0</Shared>
			<None>118193</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GOLDMAN SACHS TRUST</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>381430602</cusip>
		<value>844865</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11171</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>6347</Sole>
			<Shared>0</Shared>
			<None>4824</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GOLDMAN SACHS TRUST</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>38149W549</cusip>
		<value>1015560</value>
		<shrsOrPrnAmt>
			<sshPrnamt>19839</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5167</Sole>
			<Shared>0</Shared>
			<None>14672</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GOLDMAN SACHS TRUST</nameOfIssuer>
		<titleOfClass>UNIT INV TR NON</titleOfClass>
		<cusip>38149W564</cusip>
		<value>5342898</value>
		<shrsOrPrnAmt>
			<sshPrnamt>104958</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>79983</Sole>
			<Shared>0</Shared>
			<None>24975</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GOLDMAN SACHS TRUST</nameOfIssuer>
		<titleOfClass>UNIT INV TR NON</titleOfClass>
		<cusip>38149W564</cusip>
		<value>97993</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1925</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1925</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WW GRAINGER INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>384802104</cusip>
		<value>226028</value>
		<shrsOrPrnAmt>
			<sshPrnamt>224</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>224</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HAMILTON LANE</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>407498203</cusip>
		<value>590176</value>
		<shrsOrPrnAmt>
			<sshPrnamt>30690</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>30690</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HERSHEY CO/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>427866108</cusip>
		<value>502629</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2762</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2762</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HERSHEY CO/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>427866108</cusip>
		<value>24203</value>
		<shrsOrPrnAmt>
			<sshPrnamt>133</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>133</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>437076102</cusip>
		<value>1363035</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3961</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>972</Sole>
			<Shared>0</Shared>
			<None>2989</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>437076102</cusip>
		<value>46629</value>
		<shrsOrPrnAmt>
			<sshPrnamt>136</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>136</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HONEYWELL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>438516106</cusip>
		<value>1387637</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7112</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>972</Sole>
			<Shared>0</Shared>
			<None>6140</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HONEYWELL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>438516106</cusip>
		<value>349797</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1793</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1793</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>IDIRECT PRIVATE</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>451066104</cusip>
		<value>578797</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13837</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>13837</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>INTERCONTINENTAL EXCHANGE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>45866F104</cusip>
		<value>299281</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1848</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>227</Sole>
			<Shared>0</Shared>
			<None>1621</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>INTL BUSINESS MACHINES CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>459200101</cusip>
		<value>171425</value>
		<shrsOrPrnAmt>
			<sshPrnamt>579</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>579</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>INTL BUSINESS MACHINES CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>459200101</cusip>
		<value>160283</value>
		<shrsOrPrnAmt>
			<sshPrnamt>541</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>541</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>INVESCO</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>46090E103</cusip>
		<value>2072711</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3374</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>3374</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>INVESCO</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>46090E103</cusip>
		<value>46066</value>
		<shrsOrPrnAmt>
			<sshPrnamt>75</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>75</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>INTUITIVE SURGICAL INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>46120E602</cusip>
		<value>197784</value>
		<shrsOrPrnAmt>
			<sshPrnamt>349</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>349</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>INTUITIVE SURGICAL INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>46120E602</cusip>
		<value>254862</value>
		<shrsOrPrnAmt>
			<sshPrnamt>450</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>450</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>INVESCO</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>46137V241</cusip>
		<value>352060</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4691</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1348</Sole>
			<Shared>0</Shared>
			<None>3343</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>INVESCO</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>46137V357</cusip>
		<value>357984</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1869</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>364</Sole>
			<Shared>0</Shared>
			<None>1505</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>INVESCO</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>46137V548</cusip>
		<value>2000797</value>
		<shrsOrPrnAmt>
			<sshPrnamt>90946</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>35380</Sole>
			<Shared>0</Shared>
			<None>55566</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>INVESCO</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>46137V548</cusip>
		<value>47498</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2159</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>674</Sole>
			<Shared>0</Shared>
			<None>1485</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>INVESCO</nameOfIssuer>
		<titleOfClass>UNIT INV TR NON</titleOfClass>
		<cusip>46138E206</cusip>
		<value>5567213</value>
		<shrsOrPrnAmt>
			<sshPrnamt>230431</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>153180</Sole>
			<Shared>0</Shared>
			<None>77251</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>INVESCO</nameOfIssuer>
		<titleOfClass>UNIT INV TR NON</titleOfClass>
		<cusip>46138E206</cusip>
		<value>803151</value>
		<shrsOrPrnAmt>
			<sshPrnamt>33243</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>11411</Sole>
			<Shared>0</Shared>
			<None>21832</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>INVESCO</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>46138E354</cusip>
		<value>3901964</value>
		<shrsOrPrnAmt>
			<sshPrnamt>54634</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>31228</Sole>
			<Shared>0</Shared>
			<None>23406</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>INVESCO</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>46138E354</cusip>
		<value>97274</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1362</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>392</Sole>
			<Shared>0</Shared>
			<None>970</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>IQVIA HOLDINGS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>46266C105</cusip>
		<value>582794</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2586</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>145</Sole>
			<Shared>0</Shared>
			<None>2441</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>IQVIA HOLDINGS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>46266C105</cusip>
		<value>2705</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>12</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>COMMODITIES ETF</titleOfClass>
		<cusip>464285204</cusip>
		<value>26415709</value>
		<shrsOrPrnAmt>
			<sshPrnamt>325437</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>175550</Sole>
			<Shared>0</Shared>
			<None>149887</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>COMMODITIES ETF</titleOfClass>
		<cusip>464285204</cusip>
		<value>1047255</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12902</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>7743</Sole>
			<Shared>0</Shared>
			<None>5159</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464286426</cusip>
		<value>9007016</value>
		<shrsOrPrnAmt>
			<sshPrnamt>95799</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>52792</Sole>
			<Shared>0</Shared>
			<None>43007</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464286426</cusip>
		<value>229503</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2441</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2002</Sole>
			<Shared>0</Shared>
			<None>439</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464287150</cusip>
		<value>1047136</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7041</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>7041</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464287168</cusip>
		<value>4159762</value>
		<shrsOrPrnAmt>
			<sshPrnamt>29473</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>13613</Sole>
			<Shared>0</Shared>
			<None>15860</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464287168</cusip>
		<value>157372</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1115</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1082</Sole>
			<Shared>0</Shared>
			<None>33</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>464287176</cusip>
		<value>1788674</value>
		<shrsOrPrnAmt>
			<sshPrnamt>16274</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5981</Sole>
			<Shared>0</Shared>
			<None>10293</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>464287176</cusip>
		<value>33881</value>
		<shrsOrPrnAmt>
			<sshPrnamt>308</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>308</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464287200</cusip>
		<value>4203800</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6137</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1061</Sole>
			<Shared>0</Shared>
			<None>5076</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464287200</cusip>
		<value>596583</value>
		<shrsOrPrnAmt>
			<sshPrnamt>871</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>871</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>464287226</cusip>
		<value>3492862</value>
		<shrsOrPrnAmt>
			<sshPrnamt>34970</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6129</Sole>
			<Shared>0</Shared>
			<None>28841</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>464287226</cusip>
		<value>174889</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1751</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1751</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464287234</cusip>
		<value>6361382</value>
		<shrsOrPrnAmt>
			<sshPrnamt>116274</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>22669</Sole>
			<Shared>0</Shared>
			<None>93605</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464287234</cusip>
		<value>264140</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4828</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>326</Sole>
			<Shared>0</Shared>
			<None>4502</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>464287242</cusip>
		<value>12698520</value>
		<shrsOrPrnAmt>
			<sshPrnamt>115242</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>17153</Sole>
			<Shared>0</Shared>
			<None>98089</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>464287242</cusip>
		<value>607807</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5516</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>5516</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464287309</cusip>
		<value>427589</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3469</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>3469</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464287390</cusip>
		<value>9251343</value>
		<shrsOrPrnAmt>
			<sshPrnamt>303820</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>165192</Sole>
			<Shared>0</Shared>
			<None>138628</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464287390</cusip>
		<value>336688</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11057</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>7568</Sole>
			<Shared>0</Shared>
			<None>3489</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>464287440</cusip>
		<value>1994744</value>
		<shrsOrPrnAmt>
			<sshPrnamt>20744</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4593</Sole>
			<Shared>0</Shared>
			<None>16151</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>464287440</cusip>
		<value>136452</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1419</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1419</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>464287457</cusip>
		<value>10877245</value>
		<shrsOrPrnAmt>
			<sshPrnamt>131336</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>98640</Sole>
			<Shared>0</Shared>
			<None>32696</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>464287457</cusip>
		<value>107418</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1297</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>639</Sole>
			<Shared>0</Shared>
			<None>658</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464287465</cusip>
		<value>1636631</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17043</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>903</Sole>
			<Shared>0</Shared>
			<None>16140</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464287465</cusip>
		<value>103808</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1081</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1081</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464287499</cusip>
		<value>619585</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6436</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1247</Sole>
			<Shared>0</Shared>
			<None>5189</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464287507</cusip>
		<value>266446</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4038</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>4038</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464287614</cusip>
		<value>827178</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1747</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>274</Sole>
			<Shared>0</Shared>
			<None>1473</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464287622</cusip>
		<value>838373</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2245</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>293</Sole>
			<Shared>0</Shared>
			<None>1952</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464287655</cusip>
		<value>432233</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1756</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1756</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464287671</cusip>
		<value>398018</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2370</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2314</Sole>
			<Shared>0</Shared>
			<None>56</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464287689</cusip>
		<value>431338</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1115</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>881</Sole>
			<Shared>0</Shared>
			<None>234</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464287721</cusip>
		<value>449797</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2253</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2253</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TR NON</titleOfClass>
		<cusip>464288158</cusip>
		<value>4900592</value>
		<shrsOrPrnAmt>
			<sshPrnamt>45929</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1708</Sole>
			<Shared>0</Shared>
			<None>44221</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TR NON</titleOfClass>
		<cusip>464288158</cusip>
		<value>6936</value>
		<shrsOrPrnAmt>
			<sshPrnamt>65</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>65</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464288273</cusip>
		<value>1933211</value>
		<shrsOrPrnAmt>
			<sshPrnamt>24935</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1369</Sole>
			<Shared>0</Shared>
			<None>23566</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464288273</cusip>
		<value>122651</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1582</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1582</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>464288281</cusip>
		<value>1413971</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14686</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7297</Sole>
			<Shared>0</Shared>
			<None>7389</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>464288281</cusip>
		<value>867</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>9</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TR NON</titleOfClass>
		<cusip>464288356</cusip>
		<value>5866840</value>
		<shrsOrPrnAmt>
			<sshPrnamt>102103</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>73878</Sole>
			<Shared>0</Shared>
			<None>28225</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TR NON</titleOfClass>
		<cusip>464288356</cusip>
		<value>698484</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12156</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3362</Sole>
			<Shared>0</Shared>
			<None>8794</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ALTERNATIVE ETF</titleOfClass>
		<cusip>464288372</cusip>
		<value>14869370</value>
		<shrsOrPrnAmt>
			<sshPrnamt>242330</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>128164</Sole>
			<Shared>0</Shared>
			<None>114166</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ALTERNATIVE ETF</titleOfClass>
		<cusip>464288372</cusip>
		<value>495116</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8069</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>5475</Sole>
			<Shared>0</Shared>
			<None>2594</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TR NON</titleOfClass>
		<cusip>464288414</cusip>
		<value>5114506</value>
		<shrsOrPrnAmt>
			<sshPrnamt>47750</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1808</Sole>
			<Shared>0</Shared>
			<None>45942</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TR NON</titleOfClass>
		<cusip>464288414</cusip>
		<value>7069</value>
		<shrsOrPrnAmt>
			<sshPrnamt>66</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>66</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464288448</cusip>
		<value>3028468</value>
		<shrsOrPrnAmt>
			<sshPrnamt>76767</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>25039</Sole>
			<Shared>0</Shared>
			<None>51728</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464288448</cusip>
		<value>80952</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2052</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1130</Sole>
			<Shared>0</Shared>
			<None>922</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>464288588</cusip>
		<value>6944976</value>
		<shrsOrPrnAmt>
			<sshPrnamt>72936</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>53696</Sole>
			<Shared>0</Shared>
			<None>19240</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>464288588</cusip>
		<value>63321</value>
		<shrsOrPrnAmt>
			<sshPrnamt>665</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>295</Sole>
			<Shared>0</Shared>
			<None>370</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>464288612</cusip>
		<value>10810375</value>
		<shrsOrPrnAmt>
			<sshPrnamt>100702</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>38644</Sole>
			<Shared>0</Shared>
			<None>62058</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>464288612</cusip>
		<value>168863</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1573</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1573</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>464288638</cusip>
		<value>9217900</value>
		<shrsOrPrnAmt>
			<sshPrnamt>171082</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>125069</Sole>
			<Shared>0</Shared>
			<None>46013</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>464288638</cusip>
		<value>98062</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1820</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>864</Sole>
			<Shared>0</Shared>
			<None>956</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>464288646</cusip>
		<value>11564535</value>
		<shrsOrPrnAmt>
			<sshPrnamt>218694</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>86013</Sole>
			<Shared>0</Shared>
			<None>132681</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>464288646</cusip>
		<value>36540</value>
		<shrsOrPrnAmt>
			<sshPrnamt>691</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>691</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>464288661</cusip>
		<value>20162409</value>
		<shrsOrPrnAmt>
			<sshPrnamt>168935</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>114064</Sole>
			<Shared>0</Shared>
			<None>54871</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>464288661</cusip>
		<value>235717</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1975</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>701</Sole>
			<Shared>0</Shared>
			<None>1274</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>464288687</cusip>
		<value>3497613</value>
		<shrsOrPrnAmt>
			<sshPrnamt>112972</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>23848</Sole>
			<Shared>0</Shared>
			<None>89124</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>464288687</cusip>
		<value>105349</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3403</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>3403</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464288877</cusip>
		<value>49616031</value>
		<shrsOrPrnAmt>
			<sshPrnamt>694807</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>371266</Sole>
			<Shared>0</Shared>
			<None>323541</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464288877</cusip>
		<value>1877155</value>
		<shrsOrPrnAmt>
			<sshPrnamt>26287</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>16894</Sole>
			<Shared>0</Shared>
			<None>9393</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464288885</cusip>
		<value>2831485</value>
		<shrsOrPrnAmt>
			<sshPrnamt>24855</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1261</Sole>
			<Shared>0</Shared>
			<None>23594</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464288885</cusip>
		<value>255410</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2242</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2242</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464289420</cusip>
		<value>2278304</value>
		<shrsOrPrnAmt>
			<sshPrnamt>24802</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>12053</Sole>
			<Shared>0</Shared>
			<None>12749</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464289446</cusip>
		<value>5320244</value>
		<shrsOrPrnAmt>
			<sshPrnamt>31180</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>17745</Sole>
			<Shared>0</Shared>
			<None>13435</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464289446</cusip>
		<value>99307</value>
		<shrsOrPrnAmt>
			<sshPrnamt>582</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>235</Sole>
			<Shared>0</Shared>
			<None>347</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>COMMODITIES ETF</titleOfClass>
		<cusip>46428Q109</cusip>
		<value>217869</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3382</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>500</Sole>
			<Shared>0</Shared>
			<None>2882</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>46429B655</cusip>
		<value>1708149</value>
		<shrsOrPrnAmt>
			<sshPrnamt>33585</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>8575</Sole>
			<Shared>0</Shared>
			<None>25010</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>46429B655</cusip>
		<value>7171</value>
		<shrsOrPrnAmt>
			<sshPrnamt>141</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>141</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>46431W507</cusip>
		<value>807078</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15794</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2625</Sole>
			<Shared>0</Shared>
			<None>13169</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>46432F339</cusip>
		<value>7475661</value>
		<shrsOrPrnAmt>
			<sshPrnamt>37638</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>20753</Sole>
			<Shared>0</Shared>
			<None>16885</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>46432F339</cusip>
		<value>153136</value>
		<shrsOrPrnAmt>
			<sshPrnamt>771</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>269</Sole>
			<Shared>0</Shared>
			<None>502</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>46432F842</cusip>
		<value>997836</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11154</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>11154</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>46434G103</cusip>
		<value>933832</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13892</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4279</Sole>
			<Shared>0</Shared>
			<None>9613</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>46434G103</cusip>
		<value>8403</value>
		<shrsOrPrnAmt>
			<sshPrnamt>125</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>125</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>46434V803</cusip>
		<value>552197</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13351</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>13351</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>46625H100</cusip>
		<value>28008212</value>
		<shrsOrPrnAmt>
			<sshPrnamt>86922</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>35884</Sole>
			<Shared>0</Shared>
			<None>51038</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>46625H100</cusip>
		<value>2764209</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8579</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>6692</Sole>
			<Shared>0</Shared>
			<None>1887</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>JPMORGAN</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>46641Q126</cusip>
		<value>328611</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7035</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1537</Sole>
			<Shared>0</Shared>
			<None>5498</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>JPMORGAN</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>46641Q126</cusip>
		<value>6072</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>JPMORGAN</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>46641Q324</cusip>
		<value>13258132</value>
		<shrsOrPrnAmt>
			<sshPrnamt>180781</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>99413</Sole>
			<Shared>0</Shared>
			<None>81368</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>JPMORGAN</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>46641Q324</cusip>
		<value>498626</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6799</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>4650</Sole>
			<Shared>0</Shared>
			<None>2149</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>JPMORGAN</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>46641Q852</cusip>
		<value>5179422</value>
		<shrsOrPrnAmt>
			<sshPrnamt>106353</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>54709</Sole>
			<Shared>0</Shared>
			<None>51644</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>JPMORGAN</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>46641Q852</cusip>
		<value>73244</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1504</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>820</Sole>
			<Shared>0</Shared>
			<None>684</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>478160104</cusip>
		<value>461148</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2228</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2228</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>478160104</cusip>
		<value>1018881</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4923</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>500</Sole>
			<Shared>0</Shared>
			<None>4423</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>LAM RESEARCH CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>512807306</cusip>
		<value>3744869</value>
		<shrsOrPrnAmt>
			<sshPrnamt>21876</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>21876</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>LAM RESEARCH CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>512807306</cusip>
		<value>1455030</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8500</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>8500</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ELI LILLY &amp; CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>532457108</cusip>
		<value>24265309</value>
		<shrsOrPrnAmt>
			<sshPrnamt>22578</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7590</Sole>
			<Shared>0</Shared>
			<None>14988</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ELI LILLY &amp; CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>532457108</cusip>
		<value>1551768</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1444</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>593</Sole>
			<Shared>0</Shared>
			<None>851</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>539830109</cusip>
		<value>532353</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1101</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>202</Sole>
			<Shared>0</Shared>
			<None>899</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>539830109</cusip>
		<value>120918</value>
		<shrsOrPrnAmt>
			<sshPrnamt>250</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>250</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>OAKHURST INCOME FUND</nameOfIssuer>
		<titleOfClass>PARTNERSHIPS</titleOfClass>
		<cusip>547999698</cusip>
		<value>58580</value>
		<shrsOrPrnAmt>
			<sshPrnamt>58580</sshPrnamt>
			<sshPrnamtType>PRN</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>58580</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>LOWE&apos;S COS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>548661107</cusip>
		<value>264911</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1098</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>80</Sole>
			<Shared>0</Shared>
			<None>1018</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AMG</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>56199P818</cusip>
		<value>80000</value>
		<shrsOrPrnAmt>
			<sshPrnamt>80000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>80000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MARATHON PETROLEUM CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>56585A102</cusip>
		<value>176160</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1083</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1083</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MARATHON PETROLEUM CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>56585A102</cusip>
		<value>48789</value>
		<shrsOrPrnAmt>
			<sshPrnamt>300</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>300</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MARRIOTT INTERNATIONAL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>571903202</cusip>
		<value>1193907</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3848</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3666</Sole>
			<Shared>0</Shared>
			<None>182</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MARVELL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>573874104</cusip>
		<value>3654935</value>
		<shrsOrPrnAmt>
			<sshPrnamt>43009</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>23758</Sole>
			<Shared>0</Shared>
			<None>19251</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MARVELL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>573874104</cusip>
		<value>223074</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2625</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2241</Sole>
			<Shared>0</Shared>
			<None>384</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MASTERCARD INC-CLASS A</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>57636Q104</cusip>
		<value>383293</value>
		<shrsOrPrnAmt>
			<sshPrnamt>671</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>671</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MCDONALD&apos;S CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>580135101</cusip>
		<value>12306539</value>
		<shrsOrPrnAmt>
			<sshPrnamt>40267</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>18429</Sole>
			<Shared>0</Shared>
			<None>21838</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MCDONALD&apos;S CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>580135101</cusip>
		<value>709431</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2322</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1167</Sole>
			<Shared>0</Shared>
			<None>1155</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MCKESSON CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>58155Q103</cusip>
		<value>417124</value>
		<shrsOrPrnAmt>
			<sshPrnamt>509</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>509</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MERCK &amp; CO. INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>58933Y105</cusip>
		<value>1593278</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15138</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>15138</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MERCK &amp; CO. INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>58933Y105</cusip>
		<value>90538</value>
		<shrsOrPrnAmt>
			<sshPrnamt>860</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>860</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>594918104</cusip>
		<value>63762544</value>
		<shrsOrPrnAmt>
			<sshPrnamt>131846</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>50439</Sole>
			<Shared>0</Shared>
			<None>81407</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>594918104</cusip>
		<value>3528282</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7295</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3987</Sole>
			<Shared>0</Shared>
			<None>3308</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MICRON TECHNOLOGY INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>595112103</cusip>
		<value>140978</value>
		<shrsOrPrnAmt>
			<sshPrnamt>493</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>493</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MICRON TECHNOLOGY INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>595112103</cusip>
		<value>256869</value>
		<shrsOrPrnAmt>
			<sshPrnamt>900</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>900</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MONOLITHIC PWR SYS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>609839105</cusip>
		<value>5541541</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6114</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3324</Sole>
			<Shared>0</Shared>
			<None>2790</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MONOLITHIC PWR SYS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>609839105</cusip>
		<value>243811</value>
		<shrsOrPrnAmt>
			<sshPrnamt>269</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>212</Sole>
			<Shared>0</Shared>
			<None>57</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MORGAN STANLEY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>617446448</cusip>
		<value>742082</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4180</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2150</Sole>
			<Shared>0</Shared>
			<None>2030</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NETFLIX INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>64110L106</cusip>
		<value>322471</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3439</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>3439</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>65339F101</cusip>
		<value>11134984</value>
		<shrsOrPrnAmt>
			<sshPrnamt>138702</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>65363</Sole>
			<Shared>0</Shared>
			<None>73339</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>65339F101</cusip>
		<value>685592</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8540</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>4227</Sole>
			<Shared>0</Shared>
			<None>4313</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NIKE INC - CL B</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>654106103</cusip>
		<value>675637</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10605</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>327</Sole>
			<Shared>0</Shared>
			<None>10278</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NIKE INC - CL B</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>654106103</cusip>
		<value>6690</value>
		<shrsOrPrnAmt>
			<sshPrnamt>105</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>105</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NORFOLK SOUTHERN CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>655844108</cusip>
		<value>148436</value>
		<shrsOrPrnAmt>
			<sshPrnamt>514</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>514</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NORFOLK SOUTHERN CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>655844108</cusip>
		<value>108559</value>
		<shrsOrPrnAmt>
			<sshPrnamt>376</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>300</Sole>
			<Shared>0</Shared>
			<None>76</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NOVARTIS AG-ADR</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>66987V109</cusip>
		<value>669713</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4858</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4384</Sole>
			<Shared>0</Shared>
			<None>474</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NOVO-NORDISK A/S-SPONS ADR</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>670100205</cusip>
		<value>724176</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14233</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>486</Sole>
			<Shared>0</Shared>
			<None>13747</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NOVO-NORDISK A/S-SPONS ADR</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>670100205</cusip>
		<value>5749</value>
		<shrsOrPrnAmt>
			<sshPrnamt>113</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>113</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NVIDIA CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>67066G104</cusip>
		<value>50626450</value>
		<shrsOrPrnAmt>
			<sshPrnamt>271453</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>132644</Sole>
			<Shared>0</Shared>
			<None>138809</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NVIDIA CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>67066G104</cusip>
		<value>2263705</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12138</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>8859</Sole>
			<Shared>0</Shared>
			<None>3279</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NUVEEN</nameOfIssuer>
		<titleOfClass>UNIT INV TR NON</titleOfClass>
		<cusip>67066Y105</cusip>
		<value>224390</value>
		<shrsOrPrnAmt>
			<sshPrnamt>19000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>19000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NUVEEN</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>67097R202</cusip>
		<value>437044</value>
		<shrsOrPrnAmt>
			<sshPrnamt>38574</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>38574</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PALLADIUS</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>67299D720</cusip>
		<value>206954</value>
		<shrsOrPrnAmt>
			<sshPrnamt>206954</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>206954</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PALLADIUS INCOME FUND</nameOfIssuer>
		<titleOfClass>PARTNERSHIPS</titleOfClass>
		<cusip>67299R117</cusip>
		<value>120607</value>
		<shrsOrPrnAmt>
			<sshPrnamt>120607</sshPrnamt>
			<sshPrnamtType>PRN</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>120607</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>OAKHURST OPPORTUNITY LENDING</nameOfIssuer>
		<titleOfClass>PARTNERSHIPS</titleOfClass>
		<cusip>67299W587</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>ONEOK INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>682680103</cusip>
		<value>158541</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2157</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1467</Sole>
			<Shared>0</Shared>
			<None>690</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ONEOK INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>682680103</cusip>
		<value>55125</value>
		<shrsOrPrnAmt>
			<sshPrnamt>750</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>750</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ORACLE CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>68389X105</cusip>
		<value>11507573</value>
		<shrsOrPrnAmt>
			<sshPrnamt>59041</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>27347</Sole>
			<Shared>0</Shared>
			<None>31694</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ORACLE CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>68389X105</cusip>
		<value>1232187</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6322</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3960</Sole>
			<Shared>0</Shared>
			<None>2362</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BLUE OWL CREDIT INCOME CORP</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>69120V309</cusip>
		<value>4989952</value>
		<shrsOrPrnAmt>
			<sshPrnamt>533116</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>533116</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PACCAR INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>693718108</cusip>
		<value>6082804</value>
		<shrsOrPrnAmt>
			<sshPrnamt>55546</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>30668</Sole>
			<Shared>0</Shared>
			<None>24878</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PACCAR INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>693718108</cusip>
		<value>236981</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2164</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1710</Sole>
			<Shared>0</Shared>
			<None>454</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PALANTIR TECHNOLOGIES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>69608A108</cusip>
		<value>716713</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4031</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>4031</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PALO ALTO NETWORKS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>697435105</cusip>
		<value>4074849</value>
		<shrsOrPrnAmt>
			<sshPrnamt>22122</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>11166</Sole>
			<Shared>0</Shared>
			<None>10956</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PALO ALTO NETWORKS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>697435105</cusip>
		<value>260089</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1412</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>679</Sole>
			<Shared>0</Shared>
			<None>733</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PARKER HANNIFIN CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>701094104</cusip>
		<value>2775844</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3158</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>3158</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PARTNERS GROUP</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>70214G208</cusip>
		<value>103184</value>
		<shrsOrPrnAmt>
			<sshPrnamt>44668</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>44668</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ARTEMIS</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>70599J991</cusip>
		<value>27851</value>
		<shrsOrPrnAmt>
			<sshPrnamt>27851</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>27851</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PEPSICO INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>713448108</cusip>
		<value>474590</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3307</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1000</Sole>
			<Shared>0</Shared>
			<None>2307</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PEPSICO INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>713448108</cusip>
		<value>537170</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3743</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>782</Sole>
			<Shared>0</Shared>
			<None>2961</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PERKINELMER INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>714046109</cusip>
		<value>257065</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2657</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2657</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PFIZER INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>717081103</cusip>
		<value>222613</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8941</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>8941</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PFIZER INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>717081103</cusip>
		<value>91408</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3671</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3671</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>718172109</cusip>
		<value>5860428</value>
		<shrsOrPrnAmt>
			<sshPrnamt>36537</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>19620</Sole>
			<Shared>0</Shared>
			<None>16917</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>718172109</cusip>
		<value>244397</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1524</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>758</Sole>
			<Shared>0</Shared>
			<None>766</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PIMCO</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>72201R585</cusip>
		<value>18039547</value>
		<shrsOrPrnAmt>
			<sshPrnamt>676145</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>404964</Sole>
			<Shared>0</Shared>
			<None>271181</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PIMCO</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>72201R585</cusip>
		<value>486082</value>
		<shrsOrPrnAmt>
			<sshPrnamt>18219</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>11260</Sole>
			<Shared>0</Shared>
			<None>6959</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PROCTER &amp; GAMBLE CO/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>742718109</cusip>
		<value>526135</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3671</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>500</Sole>
			<Shared>0</Shared>
			<None>3171</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PROCTER &amp; GAMBLE CO/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>742718109</cusip>
		<value>119739</value>
		<shrsOrPrnAmt>
			<sshPrnamt>836</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>500</Sole>
			<Shared>0</Shared>
			<None>336</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PROFESSIONALLY MANAGED PORTFOLIO</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>74316P579</cusip>
		<value>289816</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4424</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>4424</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PROGRESSIVE CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>743315103</cusip>
		<value>7103878</value>
		<shrsOrPrnAmt>
			<sshPrnamt>31196</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>17001</Sole>
			<Shared>0</Shared>
			<None>14195</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PROGRESSIVE CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>743315103</cusip>
		<value>271897</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1194</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>906</Sole>
			<Shared>0</Shared>
			<None>288</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PROSHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>74348A467</cusip>
		<value>328051</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3152</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>3152</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PUBLIC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>744573106</cusip>
		<value>577521</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7192</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4426</Sole>
			<Shared>0</Shared>
			<None>2766</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PUBLIC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>744573106</cusip>
		<value>104390</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1300</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1300</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>QUALCOMM INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>747525103</cusip>
		<value>1396052</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8162</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1703</Sole>
			<Shared>0</Shared>
			<None>6459</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>QUALCOMM INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>747525103</cusip>
		<value>77828</value>
		<shrsOrPrnAmt>
			<sshPrnamt>455</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>455</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>QUEST DIAGNOSTICS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>74834L100</cusip>
		<value>329246</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1897</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1897</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>RANGE RESOURCES CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>75281A109</cusip>
		<value>3384612</value>
		<shrsOrPrnAmt>
			<sshPrnamt>95990</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>53533</Sole>
			<Shared>0</Shared>
			<None>42457</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>RANGE RESOURCES CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>75281A109</cusip>
		<value>126619</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3591</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2586</Sole>
			<Shared>0</Shared>
			<None>1005</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>REDWOOD MORTGAGE INVESTORS VIII</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>758059307</cusip>
		<value>0</value>
		<shrsOrPrnAmt>
			<sshPrnamt>26016</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>26016</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>REGENCY CENTERS CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>758849103</cusip>
		<value>3797286</value>
		<shrsOrPrnAmt>
			<sshPrnamt>55009</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>31033</Sole>
			<Shared>0</Shared>
			<None>23976</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>REGENCY CENTERS CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>758849103</cusip>
		<value>188935</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2737</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2146</Sole>
			<Shared>0</Shared>
			<None>591</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ROCKWELL AUTOMATION INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>773903109</cusip>
		<value>8702762</value>
		<shrsOrPrnAmt>
			<sshPrnamt>22368</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>12331</Sole>
			<Shared>0</Shared>
			<None>10037</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ROCKWELL AUTOMATION INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>773903109</cusip>
		<value>370394</value>
		<shrsOrPrnAmt>
			<sshPrnamt>952</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>792</Sole>
			<Shared>0</Shared>
			<None>160</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ROSS STORES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>778296103</cusip>
		<value>9311692</value>
		<shrsOrPrnAmt>
			<sshPrnamt>51691</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>26434</Sole>
			<Shared>0</Shared>
			<None>25257</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ROSS STORES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>778296103</cusip>
		<value>312363</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1734</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1459</Sole>
			<Shared>0</Shared>
			<None>275</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>78462F103</cusip>
		<value>7881326</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11557</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3293</Sole>
			<Shared>0</Shared>
			<None>8264</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>78462F103</cusip>
		<value>111153</value>
		<shrsOrPrnAmt>
			<sshPrnamt>163</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>163</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>COMMODITIES ETF</titleOfClass>
		<cusip>78463V107</cusip>
		<value>1287214</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3248</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2451</Sole>
			<Shared>0</Shared>
			<None>797</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>COMMODITIES ETF</titleOfClass>
		<cusip>78463V107</cusip>
		<value>80654</value>
		<shrsOrPrnAmt>
			<sshPrnamt>204</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>204</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>78463X848</cusip>
		<value>1899084</value>
		<shrsOrPrnAmt>
			<sshPrnamt>52870</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>20891</Sole>
			<Shared>0</Shared>
			<None>31979</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>78463X848</cusip>
		<value>37105</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1033</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>320</Sole>
			<Shared>0</Shared>
			<None>713</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>78467Y107</cusip>
		<value>720920</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1195</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>192</Sole>
			<Shared>0</Shared>
			<None>1003</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>78468R622</cusip>
		<value>999508</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10282</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1369</Sole>
			<Shared>0</Shared>
			<None>8913</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>78468R622</cusip>
		<value>40342</value>
		<shrsOrPrnAmt>
			<sshPrnamt>415</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>415</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>78468R804</cusip>
		<value>2733993</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15572</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7092</Sole>
			<Shared>0</Shared>
			<None>8480</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>78468R804</cusip>
		<value>73739</value>
		<shrsOrPrnAmt>
			<sshPrnamt>420</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>400</Sole>
			<Shared>0</Shared>
			<None>20</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SALESFORCE.COM INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>79466L302</cusip>
		<value>393426</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1485</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1485</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHARLES SCHWAB CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>808513105</cusip>
		<value>982431</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9834</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>9834</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SCHWAB</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>808524409</cusip>
		<value>692874</value>
		<shrsOrPrnAmt>
			<sshPrnamt>23400</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>23400</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>81369Y209</cusip>
		<value>313687</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2026</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2026</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>81369Y209</cusip>
		<value>22834</value>
		<shrsOrPrnAmt>
			<sshPrnamt>148</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>148</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>81369Y506</cusip>
		<value>413889</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9257</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4378</Sole>
			<Shared>0</Shared>
			<None>4879</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SEMPRA ENERGY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>816851109</cusip>
		<value>234038</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2651</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2332</Sole>
			<Shared>0</Shared>
			<None>319</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SERVICENOW INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>81762P102</cusip>
		<value>160077</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1045</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>75</Sole>
			<Shared>0</Shared>
			<None>970</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SERVICENOW INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>81762P102</cusip>
		<value>41362</value>
		<shrsOrPrnAmt>
			<sshPrnamt>270</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>250</Sole>
			<Shared>0</Shared>
			<None>20</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SIMPLIFY</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>82889N525</cusip>
		<value>7104728</value>
		<shrsOrPrnAmt>
			<sshPrnamt>140939</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>30628</Sole>
			<Shared>0</Shared>
			<None>110311</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SIMPLIFY</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>82889N525</cusip>
		<value>222107</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4406</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>4406</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SNOWFLAKE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>833445109</cusip>
		<value>5141958</value>
		<shrsOrPrnAmt>
			<sshPrnamt>23441</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>12959</Sole>
			<Shared>0</Shared>
			<None>10482</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SNOWFLAKE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>833445109</cusip>
		<value>219140</value>
		<shrsOrPrnAmt>
			<sshPrnamt>999</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>789</Sole>
			<Shared>0</Shared>
			<None>210</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SONY CORP-SPONSORED ADR</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>835699307</cusip>
		<value>380032</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14845</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>9700</Sole>
			<Shared>0</Shared>
			<None>5145</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SOUTHERN CO/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>842587107</cusip>
		<value>259187</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2972</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>800</Sole>
			<Shared>0</Shared>
			<None>2172</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>855244109</cusip>
		<value>323242</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3838</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>500</Sole>
			<Shared>0</Shared>
			<None>3338</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>855244109</cusip>
		<value>21053</value>
		<shrsOrPrnAmt>
			<sshPrnamt>250</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>250</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STARWOOD REAL ESTATE INCOME TRUS</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>85570X405</cusip>
		<value>370820</value>
		<shrsOrPrnAmt>
			<sshPrnamt>18395</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>18395</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TJX COMPANIES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>872540109</cusip>
		<value>260705</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1696</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1696</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TAIWAN SEMICONDUCTOR - SP ADR</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>874039100</cusip>
		<value>692609</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2279</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>937</Sole>
			<Shared>0</Shared>
			<None>1342</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TAIWAN SEMICONDUCTOR - SP ADR</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>874039100</cusip>
		<value>227918</value>
		<shrsOrPrnAmt>
			<sshPrnamt>750</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>750</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TAKE-TWO INTERACTIVE SOFTWARE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>874054109</cusip>
		<value>7011705</value>
		<shrsOrPrnAmt>
			<sshPrnamt>27386</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>15275</Sole>
			<Shared>0</Shared>
			<None>12111</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TAKE-TWO INTERACTIVE SOFTWARE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>874054109</cusip>
		<value>315683</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1233</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>974</Sole>
			<Shared>0</Shared>
			<None>259</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TERADYNE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>880770102</cusip>
		<value>22841</value>
		<shrsOrPrnAmt>
			<sshPrnamt>118</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>118</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TERADYNE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>880770102</cusip>
		<value>198205</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1024</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1024</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TESLA INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>88160R101</cusip>
		<value>824186</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1833</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1833</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TEXAS INSTRUMENTS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>882508104</cusip>
		<value>309176</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1782</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1782</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TEXAS INSTRUMENTS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>882508104</cusip>
		<value>251561</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1450</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1450</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>883556102</cusip>
		<value>11700926</value>
		<shrsOrPrnAmt>
			<sshPrnamt>20192</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10354</Sole>
			<Shared>0</Shared>
			<None>9838</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>883556102</cusip>
		<value>445020</value>
		<shrsOrPrnAmt>
			<sshPrnamt>768</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>641</Sole>
			<Shared>0</Shared>
			<None>127</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>3M CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>88579Y101</cusip>
		<value>7892647</value>
		<shrsOrPrnAmt>
			<sshPrnamt>49298</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>25050</Sole>
			<Shared>0</Shared>
			<None>24248</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>3M CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>88579Y101</cusip>
		<value>491917</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3073</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1568</Sole>
			<Shared>0</Shared>
			<None>1505</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TRANSNATIONAL CANNABIS LIMITED</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>89377T104</cusip>
		<value>0</value>
		<shrsOrPrnAmt>
			<sshPrnamt>50000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>50000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TRAVELERS COS INC/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>89417E109</cusip>
		<value>428507</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1478</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>500</Sole>
			<Shared>0</Shared>
			<None>978</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TRAVELERS COS INC/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>89417E109</cusip>
		<value>7281</value>
		<shrsOrPrnAmt>
			<sshPrnamt>25</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>25</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TRIMBLE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>896239100</cusip>
		<value>4605084</value>
		<shrsOrPrnAmt>
			<sshPrnamt>58775</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>33124</Sole>
			<Shared>0</Shared>
			<None>25651</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TRIMBLE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>896239100</cusip>
		<value>194073</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2477</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1928</Sole>
			<Shared>0</Shared>
			<None>549</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TYSON FOODS INC-CL A</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>902494103</cusip>
		<value>6954736</value>
		<shrsOrPrnAmt>
			<sshPrnamt>118641</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>66801</Sole>
			<Shared>0</Shared>
			<None>51840</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TYSON FOODS INC-CL A</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>902494103</cusip>
		<value>370185</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6315</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>5484</Sole>
			<Shared>0</Shared>
			<None>831</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>US BANCORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>902973304</cusip>
		<value>47938</value>
		<shrsOrPrnAmt>
			<sshPrnamt>899</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>899</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>US BANCORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>902973304</cusip>
		<value>249031</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4667</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3267</Sole>
			<Shared>0</Shared>
			<None>1400</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UNION PACIFIC CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>907818108</cusip>
		<value>5222715</value>
		<shrsOrPrnAmt>
			<sshPrnamt>22579</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>9871</Sole>
			<Shared>0</Shared>
			<None>12708</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UNION PACIFIC CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>907818108</cusip>
		<value>303492</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1312</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>688</Sole>
			<Shared>0</Shared>
			<None>624</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>91324P102</cusip>
		<value>591453</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1792</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>901</Sole>
			<Shared>0</Shared>
			<None>891</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>91324P102</cusip>
		<value>66022</value>
		<shrsOrPrnAmt>
			<sshPrnamt>200</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>200</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANECK</nameOfIssuer>
		<titleOfClass>COMMODITIES ETF</titleOfClass>
		<cusip>92189F106</cusip>
		<value>1826563</value>
		<shrsOrPrnAmt>
			<sshPrnamt>21296</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>8020</Sole>
			<Shared>0</Shared>
			<None>13276</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANECK</nameOfIssuer>
		<titleOfClass>COMMODITIES ETF</titleOfClass>
		<cusip>92189F106</cusip>
		<value>9349</value>
		<shrsOrPrnAmt>
			<sshPrnamt>109</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>109</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANECK</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>92189F643</cusip>
		<value>273948</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2645</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2645</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANECK VECTORS</nameOfIssuer>
		<titleOfClass>UNIT INV TR NON</titleOfClass>
		<cusip>92189H409</cusip>
		<value>765777</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14980</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>14980</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>921908844</cusip>
		<value>207282</value>
		<shrsOrPrnAmt>
			<sshPrnamt>943</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>527</Sole>
			<Shared>0</Shared>
			<None>416</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>921908844</cusip>
		<value>93187</value>
		<shrsOrPrnAmt>
			<sshPrnamt>424</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>424</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>921937827</cusip>
		<value>9875238</value>
		<shrsOrPrnAmt>
			<sshPrnamt>125304</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>45828</Sole>
			<Shared>0</Shared>
			<None>79476</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>921937827</cusip>
		<value>127278</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1615</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1615</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>921937835</cusip>
		<value>1251931</value>
		<shrsOrPrnAmt>
			<sshPrnamt>16902</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>518</Sole>
			<Shared>0</Shared>
			<None>16384</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>921943858</cusip>
		<value>208837</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3343</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>3343</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>921946406</cusip>
		<value>1274474</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8880</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>389</Sole>
			<Shared>0</Shared>
			<None>8491</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>921946885</cusip>
		<value>234319</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3475</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>3475</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>922020805</cusip>
		<value>3628154</value>
		<shrsOrPrnAmt>
			<sshPrnamt>73355</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>13364</Sole>
			<Shared>0</Shared>
			<None>59991</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>922020805</cusip>
		<value>79186</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1601</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1601</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>922042775</cusip>
		<value>4464748</value>
		<shrsOrPrnAmt>
			<sshPrnamt>60695</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3729</Sole>
			<Shared>0</Shared>
			<None>56966</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>922042775</cusip>
		<value>311158</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4230</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>4230</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>92204A207</cusip>
		<value>174273</value>
		<shrsOrPrnAmt>
			<sshPrnamt>825</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>825</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>92204A207</cusip>
		<value>43093</value>
		<shrsOrPrnAmt>
			<sshPrnamt>204</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>204</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>92204A504</cusip>
		<value>145940</value>
		<shrsOrPrnAmt>
			<sshPrnamt>507</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>507</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>92204A504</cusip>
		<value>58434</value>
		<shrsOrPrnAmt>
			<sshPrnamt>203</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>203</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>92204A702</cusip>
		<value>982174</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1303</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>273</Sole>
			<Shared>0</Shared>
			<None>1030</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>92204A702</cusip>
		<value>200505</value>
		<shrsOrPrnAmt>
			<sshPrnamt>266</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>266</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>92206C102</cusip>
		<value>8218792</value>
		<shrsOrPrnAmt>
			<sshPrnamt>139942</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10847</Sole>
			<Shared>0</Shared>
			<None>129095</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>92206C102</cusip>
		<value>79461</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1353</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1353</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>92206C409</cusip>
		<value>10886335</value>
		<shrsOrPrnAmt>
			<sshPrnamt>136540</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>57851</Sole>
			<Shared>0</Shared>
			<None>78689</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>92206C409</cusip>
		<value>143752</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1803</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1803</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>92206C706</cusip>
		<value>2840164</value>
		<shrsOrPrnAmt>
			<sshPrnamt>47391</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>47391</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>92206C706</cusip>
		<value>49922</value>
		<shrsOrPrnAmt>
			<sshPrnamt>833</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>833</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>92206C771</cusip>
		<value>12724397</value>
		<shrsOrPrnAmt>
			<sshPrnamt>270272</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>90158</Sole>
			<Shared>0</Shared>
			<None>180114</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>92206C771</cusip>
		<value>223064</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4738</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>4738</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>92206C813</cusip>
		<value>274274</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3616</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>3616</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>92206C870</cusip>
		<value>7601587</value>
		<shrsOrPrnAmt>
			<sshPrnamt>90765</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>42021</Sole>
			<Shared>0</Shared>
			<None>48744</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>92206C870</cusip>
		<value>42880</value>
		<shrsOrPrnAmt>
			<sshPrnamt>512</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>512</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INV TR NON</titleOfClass>
		<cusip>922907746</cusip>
		<value>4206001</value>
		<shrsOrPrnAmt>
			<sshPrnamt>83635</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1761</Sole>
			<Shared>0</Shared>
			<None>81874</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>922908363</cusip>
		<value>7386664</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11779</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>675</Sole>
			<Shared>0</Shared>
			<None>11104</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>922908363</cusip>
		<value>248773</value>
		<shrsOrPrnAmt>
			<sshPrnamt>397</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>397</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>922908512</cusip>
		<value>18639969</value>
		<shrsOrPrnAmt>
			<sshPrnamt>105091</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>51944</Sole>
			<Shared>0</Shared>
			<None>53147</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>922908512</cusip>
		<value>735052</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4144</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2326</Sole>
			<Shared>0</Shared>
			<None>1818</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>922908538</cusip>
		<value>2199903</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7881</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>513</Sole>
			<Shared>0</Shared>
			<None>7368</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>922908538</cusip>
		<value>170275</value>
		<shrsOrPrnAmt>
			<sshPrnamt>610</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>610</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>ALTERNATIVE ETF</titleOfClass>
		<cusip>922908553</cusip>
		<value>632714</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7151</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2063</Sole>
			<Shared>0</Shared>
			<None>5088</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>ALTERNATIVE ETF</titleOfClass>
		<cusip>922908553</cusip>
		<value>30529</value>
		<shrsOrPrnAmt>
			<sshPrnamt>345</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>269</Sole>
			<Shared>0</Shared>
			<None>76</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>922908595</cusip>
		<value>9837593</value>
		<shrsOrPrnAmt>
			<sshPrnamt>32563</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>17546</Sole>
			<Shared>0</Shared>
			<None>15017</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>922908595</cusip>
		<value>372805</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1234</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>756</Sole>
			<Shared>0</Shared>
			<None>478</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>922908611</cusip>
		<value>8293646</value>
		<shrsOrPrnAmt>
			<sshPrnamt>39159</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>12951</Sole>
			<Shared>0</Shared>
			<None>26208</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>922908611</cusip>
		<value>279140</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1318</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>410</Sole>
			<Shared>0</Shared>
			<None>908</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>922908629</cusip>
		<value>1377568</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4748</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1212</Sole>
			<Shared>0</Shared>
			<None>3536</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>922908736</cusip>
		<value>7952590</value>
		<shrsOrPrnAmt>
			<sshPrnamt>16301</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4536</Sole>
			<Shared>0</Shared>
			<None>11765</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>922908736</cusip>
		<value>265884</value>
		<shrsOrPrnAmt>
			<sshPrnamt>545</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>57</Sole>
			<Shared>0</Shared>
			<None>488</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>922908744</cusip>
		<value>34049353</value>
		<shrsOrPrnAmt>
			<sshPrnamt>178280</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>87452</Sole>
			<Shared>0</Shared>
			<None>90828</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>922908744</cusip>
		<value>714304</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3740</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3060</Sole>
			<Shared>0</Shared>
			<None>680</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>922908769</cusip>
		<value>2100466</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6265</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>696</Sole>
			<Shared>0</Shared>
			<None>5569</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>92343V104</cusip>
		<value>206430</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5068</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2057</Sole>
			<Shared>0</Shared>
			<None>3011</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>92343V104</cusip>
		<value>23542</value>
		<shrsOrPrnAmt>
			<sshPrnamt>578</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>578</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VERTEX PHARMACEUTICALS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>92532F100</cusip>
		<value>1115776</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2461</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>95</Sole>
			<Shared>0</Shared>
			<None>2366</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VERTEX PHARMACEUTICALS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>92532F100</cusip>
		<value>7254</value>
		<shrsOrPrnAmt>
			<sshPrnamt>16</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>16</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VICI PROPERTIES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>925652109</cusip>
		<value>1096418</value>
		<shrsOrPrnAmt>
			<sshPrnamt>38991</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4081</Sole>
			<Shared>0</Shared>
			<None>34910</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VICI PROPERTIES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>925652109</cusip>
		<value>11557</value>
		<shrsOrPrnAmt>
			<sshPrnamt>411</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>411</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VISA INC-CLASS A</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>92826C839</cusip>
		<value>15558597</value>
		<shrsOrPrnAmt>
			<sshPrnamt>44360</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>20396</Sole>
			<Shared>0</Shared>
			<None>23964</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VISA INC-CLASS A</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>92826C839</cusip>
		<value>918326</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2618</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1394</Sole>
			<Shared>0</Shared>
			<None>1224</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WAL-MART STORES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>931142103</cusip>
		<value>16977992</value>
		<shrsOrPrnAmt>
			<sshPrnamt>152390</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>74214</Sole>
			<Shared>0</Shared>
			<None>78176</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WAL-MART STORES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>931142103</cusip>
		<value>1046028</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9389</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>5953</Sole>
			<Shared>0</Shared>
			<None>3436</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WELLS FARGO &amp; CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>949746101</cusip>
		<value>2145662</value>
		<shrsOrPrnAmt>
			<sshPrnamt>23023</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6033</Sole>
			<Shared>0</Shared>
			<None>16990</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WELLS FARGO &amp; CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>949746101</cusip>
		<value>121906</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1308</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1308</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WELLTOWER INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>95040Q104</cusip>
		<value>839440</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4522</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>4522</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WESTRIDGE LENDING FUND</nameOfIssuer>
		<titleOfClass>PARTNERSHIPS</titleOfClass>
		<cusip>96199K997</cusip>
		<value>127000</value>
		<shrsOrPrnAmt>
			<sshPrnamt>127000</sshPrnamt>
			<sshPrnamtType>PRN</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>127000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WISDOMTREE</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>97717W307</cusip>
		<value>10744175</value>
		<shrsOrPrnAmt>
			<sshPrnamt>121982</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>59963</Sole>
			<Shared>0</Shared>
			<None>62019</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WISDOMTREE</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>97717W307</cusip>
		<value>8984</value>
		<shrsOrPrnAmt>
			<sshPrnamt>102</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>102</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>XPO LOGISTICS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>983793100</cusip>
		<value>229417</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1688</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1688</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>XYLEM INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>98419M100</cusip>
		<value>5644553</value>
		<shrsOrPrnAmt>
			<sshPrnamt>41448</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>23149</Sole>
			<Shared>0</Shared>
			<None>18299</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>XYLEM INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>98419M100</cusip>
		<value>175264</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1287</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1186</Sole>
			<Shared>0</Shared>
			<None>101</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ZOETIS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>98978V103</cusip>
		<value>588177</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4675</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>197</Sole>
			<Shared>0</Shared>
			<None>4478</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ZOETIS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>98978V103</cusip>
		<value>5159</value>
		<shrsOrPrnAmt>
			<sshPrnamt>41</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>41</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>JOHNSON</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>G51502105</cusip>
		<value>5850941</value>
		<shrsOrPrnAmt>
			<sshPrnamt>48858</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>26991</Sole>
			<Shared>0</Shared>
			<None>21867</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>JOHNSON</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>G51502105</cusip>
		<value>363803</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3038</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1943</Sole>
			<Shared>0</Shared>
			<None>1095</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>LINDE PLC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>G54950103</cusip>
		<value>374469</value>
		<shrsOrPrnAmt>
			<sshPrnamt>878</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>878</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>G5960L103</cusip>
		<value>11388788</value>
		<shrsOrPrnAmt>
			<sshPrnamt>118559</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>65216</Sole>
			<Shared>0</Shared>
			<None>53343</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>G5960L103</cusip>
		<value>649846</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6765</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>4917</Sole>
			<Shared>0</Shared>
			<None>1848</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHUBB LTD</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>H1467J104</cusip>
		<value>338647</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1085</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1085</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ASML HOLDINGS N.V.</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>N07059210</cusip>
		<value>5062838</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4732</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2166</Sole>
			<Shared>0</Shared>
			<None>2566</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ASML HOLDINGS N.V.</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>N07059210</cusip>
		<value>236439</value>
		<shrsOrPrnAmt>
			<sshPrnamt>221</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>172</Sole>
			<Shared>0</Shared>
			<None>49</None>
		</votingAuthority>
	</infoTable>
</informationTable>
