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       <nameOfIssuer>ACCENTURE PLC</nameOfIssuer>
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       <cusip>G1151C101</cusip>
       <value>187</value>
       <shrsOrPrnAmt>
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           <Sole>2305</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>ACCENTURE PLC</nameOfIssuer>
       <titleOfClass>FOREIGN EQUITIES</titleOfClass>
       <cusip>G1151C101</cusip>
       <value>15</value>
       <shrsOrPrnAmt>
           <sshPrnamt>180</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>180</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>ACE LTD SHS</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>H0023R105</cusip>
       <value>190</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1810</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <votingAuthority>
           <Sole>1810</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>ACE LTD SHS</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>H0023R105</cusip>
       <value>15</value>
       <shrsOrPrnAmt>
           <sshPrnamt>140</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
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           <Sole>140</Sole>
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   <infoTable>
       <nameOfIssuer>LYONDELLBASELL INDUSTRIES NV</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>N53745100</cusip>
       <value>850</value>
       <shrsOrPrnAmt>
           <sshPrnamt>7820</sshPrnamt>
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       <votingAuthority>
           <Sole>7820</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>LYONDELLBASELL INDUSTRIES NV</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>N53745100</cusip>
       <value>20</value>
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           <sshPrnamt>180</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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           <Sole>180</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>AFLAC INC COM</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>001055102</cusip>
       <value>277</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4760</sshPrnamt>
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   <infoTable>
       <nameOfIssuer>AFLAC INC COM</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>001055102</cusip>
       <value>28</value>
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           <sshPrnamt>485</sshPrnamt>
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           <None>0</None>
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       <nameOfIssuer>AT&amp;T INC COM</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>00206R102</cusip>
       <value>2504</value>
       <shrsOrPrnAmt>
           <sshPrnamt>71067</sshPrnamt>
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       <votingAuthority>
           <Sole>70382</Sole>
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           <None>685</None>
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   <infoTable>
       <nameOfIssuer>AT&amp;T INC COM</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>00206R102</cusip>
       <value>24</value>
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           <Sole>690</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>ABBVIE INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>00287Y109</cusip>
       <value>3163</value>
       <shrsOrPrnAmt>
           <sshPrnamt>54759</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>54324</Sole>
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           <None>435</None>
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   <infoTable>
       <nameOfIssuer>ABBVIE INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>00287Y109</cusip>
       <value>26</value>
       <shrsOrPrnAmt>
           <sshPrnamt>450</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
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           <None>0</None>
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       <nameOfIssuer>ALLSTATE CORP COM</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>020002101</cusip>
       <value>1229</value>
       <shrsOrPrnAmt>
           <sshPrnamt>20032</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>20032</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>ALLSTATE CORP COM</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>020002101</cusip>
       <value>40</value>
       <shrsOrPrnAmt>
           <sshPrnamt>650</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>650</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>AMERICAN ELEC PWR INC COM</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>025537101</cusip>
       <value>1947</value>
       <shrsOrPrnAmt>
           <sshPrnamt>37305</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>36860</Sole>
           <Shared>0</Shared>
           <None>445</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>AMERICAN EXPRESS CO COM</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>025816109</cusip>
       <value>195</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2230</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>2230</Sole>
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           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>AMERICAN EXPRESS CO COM</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>025816109</cusip>
       <value>15</value>
       <shrsOrPrnAmt>
           <sshPrnamt>170</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>170</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>AMGEN INC COM</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>031162100</cusip>
       <value>1215</value>
       <shrsOrPrnAmt>
           <sshPrnamt>8651</sshPrnamt>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>8651</Sole>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>AMGEN INC COM</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>031162100</cusip>
       <value>26</value>
       <shrsOrPrnAmt>
           <sshPrnamt>185</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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           <Sole>185</Sole>
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   </infoTable>
   <infoTable>
       <nameOfIssuer>ANHEUSER BUSCH INBEV SA/NV</nameOfIssuer>
       <titleOfClass>FOREIGN EQUITIES</titleOfClass>
       <cusip>03524A108</cusip>
       <value>885</value>
       <shrsOrPrnAmt>
           <sshPrnamt>7983</sshPrnamt>
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       <votingAuthority>
           <Sole>7983</Sole>
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           <None>0</None>
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   <infoTable>
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       <cusip>03524A108</cusip>
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           <sshPrnamt>220</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
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           <Sole>220</Sole>
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           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>APPLE INC COM</nameOfIssuer>
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       <cusip>037833100</cusip>
       <value>2278</value>
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           <Sole>22614</Sole>
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   <infoTable>
       <nameOfIssuer>APPLE INC COM</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>037833100</cusip>
       <value>53</value>
       <shrsOrPrnAmt>
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           <sshPrnamtType>SH</sshPrnamtType>
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   </infoTable>
   <infoTable>
       <nameOfIssuer>BB&amp;T CORP COM</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>054937107</cusip>
       <value>222</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5966</sshPrnamt>
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           <Sole>5966</Sole>
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   <infoTable>
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       <cusip>054937107</cusip>
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           <sshPrnamt>330</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
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           <Sole>330</Sole>
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       </votingAuthority>
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   <infoTable>
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       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>057224107</cusip>
       <value>1118</value>
       <shrsOrPrnAmt>
           <sshPrnamt>17187</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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           <Sole>17187</Sole>
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       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>BAKER HUGHES INC COM</nameOfIssuer>
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       <cusip>057224107</cusip>
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           <sshPrnamtType>SH</sshPrnamtType>
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           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>BANK OF AMERICA CORP COM</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>060505104</cusip>
       <value>278</value>
       <shrsOrPrnAmt>
           <sshPrnamt>16316</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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           <Sole>16316</Sole>
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           <None>0</None>
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       <nameOfIssuer>BANK OF MONTREAL</nameOfIssuer>
       <titleOfClass>FOREIGN EQUITIES</titleOfClass>
       <cusip>063671101</cusip>
       <value>2101</value>
       <shrsOrPrnAmt>
           <sshPrnamt>28541</sshPrnamt>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>28216</Sole>
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       <cusip>06740C337</cusip>
       <value>848</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5618</sshPrnamt>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>5618</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>BAXTER INTL INC COM</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>071813109</cusip>
       <value>862</value>
       <shrsOrPrnAmt>
           <sshPrnamt>12012</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <votingAuthority>
           <Sole>12012</Sole>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
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       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>071813109</cusip>
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           <sshPrnamt>200</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
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       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>BLACKROCK INC CLA COM</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>09247X101</cusip>
       <value>309</value>
       <shrsOrPrnAmt>
           <sshPrnamt>940</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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           <Sole>940</Sole>
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   </infoTable>
   <infoTable>
       <nameOfIssuer>BLACKROCK INC CLA COM</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>09247X101</cusip>
       <value>20</value>
       <shrsOrPrnAmt>
           <sshPrnamt>60</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>60</Sole>
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           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>BORG WARNER INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>099724106</cusip>
       <value>930</value>
       <shrsOrPrnAmt>
           <sshPrnamt>17685</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <votingAuthority>
           <Sole>17685</Sole>
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       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>BORG WARNER INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>099724106</cusip>
       <value>15</value>
       <shrsOrPrnAmt>
           <sshPrnamt>280</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>280</Sole>
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           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>BRISTOL MYERS SQUIBB CO COM</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>110122108</cusip>
       <value>2140</value>
       <shrsOrPrnAmt>
           <sshPrnamt>41815</sshPrnamt>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>41360</Sole>
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           <None>455</None>
       </votingAuthority>
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   <infoTable>
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       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>110122108</cusip>
       <value>14</value>
       <shrsOrPrnAmt>
           <sshPrnamt>280</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>280</Sole>
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           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CVS CAREMARK CORPORATION</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>126650100</cusip>
       <value>1395</value>
       <shrsOrPrnAmt>
           <sshPrnamt>17526</sshPrnamt>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>17526</Sole>
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       </votingAuthority>
   </infoTable>
   <infoTable>
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       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>126650100</cusip>
       <value>38</value>
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           <sshPrnamt>475</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
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           <None>0</None>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
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           <None>0</None>
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       <nameOfIssuer>GOODYEAR TIRE &amp; RUBBER</nameOfIssuer>
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           <sshPrnamt>38375</sshPrnamt>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>38375</Sole>
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           <None>0</None>
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       <votingAuthority>
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           <None>0</None>
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       <nameOfIssuer>HCP INC</nameOfIssuer>
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       <votingAuthority>
           <Sole>49340</Sole>
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           <None>585</None>
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       <votingAuthority>
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           <None>0</None>
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       <nameOfIssuer>HOME DEPOT INC COM</nameOfIssuer>
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       <cusip>437076102</cusip>
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       <votingAuthority>
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       <nameOfIssuer>INGRAM MICRO</nameOfIssuer>
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       <votingAuthority>
           <Sole>40970</Sole>
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           <None>0</None>
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       <nameOfIssuer>INGRAM MICRO</nameOfIssuer>
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       <nameOfIssuer>INTEL CORP COM</nameOfIssuer>
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       <votingAuthority>
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           <None>780</None>
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           <None>0</None>
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       <nameOfIssuer>ISHARES S&amp;P 500 INDEX FUND</nameOfIssuer>
       <titleOfClass>ETF-EQUITIES</titleOfClass>
       <cusip>464287200</cusip>
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       <votingAuthority>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>ISHARES MSCI EAFE ETF</nameOfIssuer>
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       <cusip>464287465</cusip>
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       <votingAuthority>
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           <None>0</None>
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       <nameOfIssuer>ISHARES RUSSELL MID-CAP ETF</nameOfIssuer>
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       <cusip>464287499</cusip>
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       <votingAuthority>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>ISHARES TR S&amp;P BETTER I SHARES TR S&amp;P MID CAP</nameOfIssuer>
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       <cusip>464287507</cusip>
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       <nameOfIssuer>ISHARES RUSSELL 1000 GROWTH ETF</nameOfIssuer>
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       <cusip>464287614</cusip>
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       <nameOfIssuer>ISHARES RUSSELL 2000 ETF    FD</nameOfIssuer>
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       <cusip>464288646</cusip>
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       <cusip>464288869</cusip>
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       <nameOfIssuer>KIMBERLY CLARK CORP COM</nameOfIssuer>
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       <cusip>494368103</cusip>
       <value>2129</value>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
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           <None>220</None>
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   <infoTable>
       <nameOfIssuer>KIMBERLY CLARK CORP COM</nameOfIssuer>
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       <cusip>494368103</cusip>
       <value>13</value>
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       <nameOfIssuer>KRAFT FOODS GROUP INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>50076Q106</cusip>
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           <None>410</None>
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       <nameOfIssuer>LILLY ELI &amp; CO COM</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>532457108</cusip>
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       <shrsOrPrnAmt>
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       <nameOfIssuer>LILLY ELI &amp; CO COM</nameOfIssuer>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>LINCOLN NATIONAL CORP.</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>534187109</cusip>
       <value>919</value>
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           <Sole>17150</Sole>
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   <infoTable>
       <nameOfIssuer>LINCOLN NATIONAL CORP.</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>534187109</cusip>
       <value>23</value>
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           <sshPrnamt>425</sshPrnamt>
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       <nameOfIssuer>LOCKHEED MARTIN CORP COM</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>539830109</cusip>
       <value>2582</value>
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       <votingAuthority>
           <Sole>13976</Sole>
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   <infoTable>
       <nameOfIssuer>LOCKHEED MARTIN CORP COM</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>539830109</cusip>
       <value>13</value>
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   <infoTable>
       <nameOfIssuer>MATTEL INC COM</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>577081102</cusip>
       <value>1558</value>
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       <votingAuthority>
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       <nameOfIssuer>MCDONALDS CORP COM</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>580135101</cusip>
       <value>1058</value>
       <shrsOrPrnAmt>
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       <votingAuthority>
           <Sole>11038</Sole>
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   <infoTable>
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       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>580135101</cusip>
       <value>11</value>
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           <Sole>115</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>MEDTRONIC INC COM</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>585055106</cusip>
       <value>798</value>
       <shrsOrPrnAmt>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>12883</Sole>
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</informationTable>
