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      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>150</Sole>
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      <None>0</None>
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    <nameOfIssuer>BHP Billiton Ltd ADR</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>088606108</cusip>
    <value>565554</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7775</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7716</Sole>
      <Shared>59</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BHP Billiton Ltd ADR</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>088606108</cusip>
    <value>8656</value>
    <shrsOrPrnAmt>
      <sshPrnamt>119</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>119</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Blackstone Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>09260D107</cusip>
    <value>43696</value>
    <shrsOrPrnAmt>
      <sshPrnamt>380</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>380</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Blackrock Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>09290D101</cusip>
    <value>85592</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>89</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Blackrock Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>09290D101</cusip>
    <value>57703</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>60</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Boeing Company</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>097023105</cusip>
    <value>8359</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>42</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Booking Holdings Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>09857L108</cusip>
    <value>25262</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Bristol-Myers Squibb</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>110122108</cusip>
    <value>463063</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7635</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7135</Sole>
      <Shared>500</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Bristol-Myers Squibb</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>110122108</cusip>
    <value>60650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Broadcom Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>11135F101</cusip>
    <value>2801066</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9050</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Broadcom Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>11135F101</cusip>
    <value>309510</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CBRE Group Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>12504L109</cusip>
    <value>13411</value>
    <shrsOrPrnAmt>
      <sshPrnamt>99</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>99</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>C.H. Robinson Worldwide, Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>12541W209</cusip>
    <value>49821</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Cigna Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>125523100</cusip>
    <value>34411</value>
    <shrsOrPrnAmt>
      <sshPrnamt>129</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>129</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CMS Energy Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>125896100</cusip>
    <value>109000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1405</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1405</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CVS Health Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>126650100</cusip>
    <value>32319</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>450</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Capital Group Growth ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>14020G101</cusip>
    <value>4220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>105</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Capital Group Dividend Value E</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>14020W106</cusip>
    <value>4722</value>
    <shrsOrPrnAmt>
      <sshPrnamt>111</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>111</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Capital One Financial Corporat</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>14040H105</cusip>
    <value>17696</value>
    <shrsOrPrnAmt>
      <sshPrnamt>97</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>97</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Cardinal Health Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>14149Y108</cusip>
    <value>52828</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <Shared>250</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Carnival Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>143658300</cusip>
    <value>2588</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Carrier Global Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>14448C104</cusip>
    <value>147082</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2612</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2612</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Carrier Global Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>14448C104</cusip>
    <value>16893</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>300</Sole>
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      <None>0</None>
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    <nameOfIssuer>Caterpillar Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>149123101</cusip>
    <value>345020</value>
    <shrsOrPrnAmt>
      <sshPrnamt>487</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>487</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Caterpillar Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>149123101</cusip>
    <value>354230</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Centerpoint Energy</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>15189T107</cusip>
    <value>8632</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Chevron Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>166764100</cusip>
    <value>745461</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3603</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3603</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Chevron Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>166764100</cusip>
    <value>332281</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1606</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1606</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Chipotle Mexican Grill Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>169656105</cusip>
    <value>706653</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22076</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Chipotle Mexican Grill Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>169656105</cusip>
    <value>25032</value>
    <shrsOrPrnAmt>
      <sshPrnamt>782</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>782</Sole>
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    <nameOfIssuer>Cisco Systems Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>17275R102</cusip>
    <value>338292</value>
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      <sshPrnamt>4360</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>Cisco Systems Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>17275R102</cusip>
    <value>387950</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>Citigroup Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>172967424</cusip>
    <value>58179</value>
    <shrsOrPrnAmt>
      <sshPrnamt>513</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>513</Sole>
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      <None>0</None>
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    <nameOfIssuer>Citizens Financial Group Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>174610105</cusip>
    <value>107946</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1800</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1800</Sole>
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      <None>0</None>
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    <nameOfIssuer>Coca-Cola Co</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>191216100</cusip>
    <value>569462</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6688</Sole>
      <Shared>800</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Coca-Cola Co</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>191216100</cusip>
    <value>22815</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>300</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Colgate-Palmolive Co</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>194162103</cusip>
    <value>168500</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1977</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1977</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Colgate-Palmolive Co</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>194162103</cusip>
    <value>9631</value>
    <shrsOrPrnAmt>
      <sshPrnamt>113</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>113</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Comcast Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>20030N101</cusip>
    <value>28279</value>
    <shrsOrPrnAmt>
      <sshPrnamt>985</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>985</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Comcast Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>20030N101</cusip>
    <value>40194</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1400</Sole>
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  <infoTable>
    <nameOfIssuer>Conagra Brands</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
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    <value>7184</value>
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      <Sole>3718</Sole>
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      <None>0</None>
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    <votingAuthority>
      <Sole>117</Sole>
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      <None>0</None>
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    <titleOfClass>Com</titleOfClass>
    <cusip>20825C104</cusip>
    <value>132000</value>
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    <votingAuthority>
      <Sole>1000</Sole>
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    <nameOfIssuer>Constellation Energy</nameOfIssuer>
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    <value>46356</value>
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      <Sole>166</Sole>
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      <None>0</None>
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      <sshPrnamt>40</sshPrnamt>
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      <Sole>40</Sole>
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      <Sole>934</Sole>
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      <None>0</None>
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      <sshPrnamt>324</sshPrnamt>
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      <None>0</None>
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      <Sole>644</Sole>
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      <None>0</None>
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      <sshPrnamt>235</sshPrnamt>
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      <Sole>235</Sole>
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      <None>0</None>
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      <Sole>746</Sole>
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      <None>0</None>
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      <sshPrnamt>53</sshPrnamt>
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      <Sole>53</Sole>
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      <sshPrnamt>650</sshPrnamt>
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    <votingAuthority>
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      <sshPrnamt>54</sshPrnamt>
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      <Sole>54</Sole>
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    <nameOfIssuer>Dell Technologies - C</nameOfIssuer>
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      <Sole>187</Sole>
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      <None>0</None>
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    <nameOfIssuer>Direxion Daily S&amp;P Biotech Bul</nameOfIssuer>
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      <Sole>202</Sole>
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    <nameOfIssuer>Dominion Energy Inc</nameOfIssuer>
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    <nameOfIssuer>DuPont de Nemours Inc</nameOfIssuer>
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      <sshPrnamt>400</sshPrnamt>
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    <votingAuthority>
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      <None>0</None>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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      <Sole>10875</Sole>
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    <nameOfIssuer>Meta Platforms Inc</nameOfIssuer>
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      <sshPrnamt>2616</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2498</Sole>
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  <infoTable>
    <nameOfIssuer>Meta Platforms Inc</nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>325</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>325</Sole>
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  <infoTable>
    <nameOfIssuer>First Busey Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>319383204</cusip>
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      <sshPrnamt>4569</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4569</Sole>
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      <None>0</None>
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    <nameOfIssuer>First Financial Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>320218100</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>631592</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>784</Sole>
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  <infoTable>
    <nameOfIssuer>First Financial Corp</nameOfIssuer>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>4427</Sole>
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    <nameOfIssuer>iShares Core Toal USD Bond Mar</nameOfIssuer>
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    <nameOfIssuer>iShares Broad USD High Yield C</nameOfIssuer>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>100</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Norfolk Southern Corp</nameOfIssuer>
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    <cusip>655844108</cusip>
    <value>28700</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Norfolk Southern Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>655844108</cusip>
    <value>86100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Northern Trust Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>665859104</cusip>
    <value>181441</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>1300</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Northrop Grumman Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>666807102</cusip>
    <value>5458</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Novartis AG - ADR</nameOfIssuer>
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    <value>15122</value>
    <shrsOrPrnAmt>
      <sshPrnamt>99</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>99</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Novartis AG - ADR</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>66987V109</cusip>
    <value>76375</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Novo-Nordisk ADR</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>670100205</cusip>
    <value>237773</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6470</Sole>
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      <None>0</None>
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    <nameOfIssuer>Nucor Corporation</nameOfIssuer>
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    <cusip>670346105</cusip>
    <value>115326</value>
    <shrsOrPrnAmt>
      <sshPrnamt>682</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>82</Sole>
      <Shared>600</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NVIDIA Corporation</nameOfIssuer>
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    <cusip>67066G104</cusip>
    <value>2278013</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13062</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11862</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NVIDIA Corporation</nameOfIssuer>
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    <cusip>67066G104</cusip>
    <value>1399037</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8022</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2422</Sole>
      <Shared>5600</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>O'Reilly Automotive Inc</nameOfIssuer>
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    <cusip>67103H107</cusip>
    <value>23539</value>
    <shrsOrPrnAmt>
      <sshPrnamt>255</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>255</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>Occidental Petroleum Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>674599105</cusip>
    <value>13000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Occiden Pete Warrant</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>674599162</cusip>
    <value>1073</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>25</Sole>
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      <None>0</None>
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    <nameOfIssuer>Old National Bancorp</nameOfIssuer>
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    <cusip>680033107</cusip>
    <value>33150</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1500</Sole>
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      <None>0</None>
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    <nameOfIssuer>ONEOK Inc</nameOfIssuer>
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    <cusip>682680103</cusip>
    <value>60290</value>
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      <sshPrnamt>667</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>667</Sole>
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      <None>0</None>
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    <nameOfIssuer>Oracle Corporation</nameOfIssuer>
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    <cusip>68389X105</cusip>
    <value>336293</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2286</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2286</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Organon &amp; Co.</nameOfIssuer>
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    <cusip>68622V106</cusip>
    <value>2696</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>450</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Otis Worldwide Corporation</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>68902V107</cusip>
    <value>70297</value>
    <shrsOrPrnAmt>
      <sshPrnamt>912</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>912</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Otis Worldwide Corporation</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
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    <value>11562</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <nameOfIssuer>Packaging Corp of America</nameOfIssuer>
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      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>500</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Palo Alto Networks Inc</nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>6299</sshPrnamt>
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    <votingAuthority>
      <Sole>6237</Sole>
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  <infoTable>
    <nameOfIssuer>Palo Alto Networks Inc</nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>164</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>164</Sole>
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      <None>0</None>
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    <nameOfIssuer>PayPal Holdings Inc</nameOfIssuer>
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      <sshPrnamt>12920</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12669</Sole>
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  <infoTable>
    <nameOfIssuer>PayPal Holdings Inc</nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>603</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>603</Sole>
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      <None>0</None>
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    <nameOfIssuer>PepsiCo Inc</nameOfIssuer>
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      <sshPrnamt>1755</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1355</Sole>
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  <infoTable>
    <nameOfIssuer>PepsiCo Inc</nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>1075</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1075</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Pfizer Inc</nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>8460</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8460</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Pfizer Inc</nameOfIssuer>
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    <value>51948</value>
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      <sshPrnamt>1850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1850</Sole>
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      <None>0</None>
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    <nameOfIssuer>Philip Morris International In</nameOfIssuer>
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    <cusip>718172109</cusip>
    <value>103338</value>
    <shrsOrPrnAmt>
      <sshPrnamt>625</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>625</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Philip Morris International In</nameOfIssuer>
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    <cusip>718172109</cusip>
    <value>49106</value>
    <shrsOrPrnAmt>
      <sshPrnamt>297</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>297</Sole>
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      <None>0</None>
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    <nameOfIssuer>Phillips 66</nameOfIssuer>
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    <value>12570</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>69</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Pinnacle West Capital Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>723484101</cusip>
    <value>50375</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>T. Rowe Price Group Inc.</nameOfIssuer>
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    <cusip>74144T108</cusip>
    <value>22535</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>250</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Proctor &amp; Gamble Co</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>742718109</cusip>
    <value>1106410</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7660</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7243</Sole>
      <Shared>417</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Proctor &amp; Gamble Co</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
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    <value>29466</value>
    <shrsOrPrnAmt>
      <sshPrnamt>204</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>204</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Prudential Financial Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>744320102</cusip>
    <value>52850</value>
    <shrsOrPrnAmt>
      <sshPrnamt>541</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>541</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Prudential Financial Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>744320102</cusip>
    <value>29307</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>300</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>QUALCOMM Inc</nameOfIssuer>
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    <cusip>747525103</cusip>
    <value>166126</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1290</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1290</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Rayonier Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>754907103</cusip>
    <value>74851</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3630</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3630</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>RTX Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>3458</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3458</Sole>
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  <infoTable>
    <nameOfIssuer>RTX Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>75513E101</cusip>
    <value>57870</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
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      <sshPrnamt>520</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>520</Sole>
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      <None>0</None>
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      <sshPrnamt>64</sshPrnamt>
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      <None>0</None>
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    <value>547550</value>
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      <sshPrnamt>2500</sshPrnamt>
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    <votingAuthority>
      <Sole>2500</Sole>
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      <None>0</None>
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      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
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      <None>0</None>
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    <nameOfIssuer>Shell PLC - ADR</nameOfIssuer>
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      <sshPrnamt>4094</sshPrnamt>
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    <votingAuthority>
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      <sshPrnamt>350</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>SPDR S&amp;P 500 ETF Trust</nameOfIssuer>
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    <votingAuthority>
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      <sshPrnamt>964</sshPrnamt>
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      <sshPrnamt>15032</sshPrnamt>
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    <votingAuthority>
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    <nameOfIssuer>SPDR Portfolio S&amp;P 500 Value E</nameOfIssuer>
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      <Sole>1157</Sole>
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    <nameOfIssuer>SPDR Dow Jones Industrial Aver</nameOfIssuer>
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      <sshPrnamt>1600</sshPrnamt>
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      <Sole>1600</Sole>
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    <nameOfIssuer>SPDR S&amp;P Midcap 400 ETF</nameOfIssuer>
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      <sshPrnamt>2453</sshPrnamt>
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      <Sole>2453</Sole>
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    <nameOfIssuer>Spdr S&amp;p 500 Fossil Fuel Free</nameOfIssuer>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>887</Sole>
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    <nameOfIssuer>Schwab US Dividend Equity ETF</nameOfIssuer>
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      <sshPrnamt>2</sshPrnamt>
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    <nameOfIssuer>Sysco Corp</nameOfIssuer>
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      <sshPrnamt>105</sshPrnamt>
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    <nameOfIssuer>Taiwan Semiconductor Manufactu</nameOfIssuer>
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      <sshPrnamt>238</sshPrnamt>
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    <nameOfIssuer>Tesla Inc.</nameOfIssuer>
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      <sshPrnamt>20</sshPrnamt>
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      <sshPrnamt>1649</sshPrnamt>
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      <Sole>1649</Sole>
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    <nameOfIssuer>Thermo Fisher Scientific Inc</nameOfIssuer>
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      <sshPrnamt>2303</sshPrnamt>
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      <Sole>2288</Sole>
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  <infoTable>
    <nameOfIssuer>Thermo Fisher Scientific Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
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      <sshPrnamt>70</sshPrnamt>
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    <nameOfIssuer>3M Co</nameOfIssuer>
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      <sshPrnamt>72</sshPrnamt>
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      <Sole>72</Sole>
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    <nameOfIssuer>Toronto-Dominion Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
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      <None>0</None>
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      <None>0</None>
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    <nameOfIssuer>Vanguard Consumer Staple ETF</nameOfIssuer>
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    <cusip>92204A207</cusip>
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    <shrsOrPrnAmt>
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    <nameOfIssuer>Vanguard Financial ETF</nameOfIssuer>
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    <cusip>92204A603</cusip>
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    <shrsOrPrnAmt>
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    <titleOfClass>Com</titleOfClass>
    <cusip>92204A801</cusip>
    <value>599855</value>
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    <nameOfIssuer>Vanguard Utilities ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92204A876</cusip>
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    <nameOfIssuer>Vanguard Communication Service</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92204A884</cusip>
    <value>4237390</value>
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    <cusip>92204A884</cusip>
    <value>169769</value>
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    <nameOfIssuer>Vanguard Russell 2000 ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92206C664</cusip>
    <value>481617</value>
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      <sshPrnamt>4808</sshPrnamt>
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    <cusip>922907746</cusip>
    <value>58621</value>
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    <cusip>922908363</cusip>
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  <infoTable>
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    <nameOfIssuer>Linde PLC</nameOfIssuer>
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