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      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>150</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>BHP Billiton Ltd ADR</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>088606108</cusip>
    <value>628324</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7542</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7483</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>7914</value>
    <shrsOrPrnAmt>
      <sshPrnamt>95</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>95</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Blackstone Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>09260D107</cusip>
    <value>45891</value>
    <shrsOrPrnAmt>
      <sshPrnamt>390</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>390</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Blackrock Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>09290D101</cusip>
    <value>85579</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>57694</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>9092</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>
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  <infoTable>
    <nameOfIssuer>Booking Holdings Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>09857L108</cusip>
    <value>26736</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Bristol-Myers Squibb</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>110122108</cusip>
    <value>439929</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>57620</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>3418638</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Broadcom Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>11135F101</cusip>
    <value>377750</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>13334</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>56502</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>35563</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>107483</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1405</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1405</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CVS Health Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>126650100</cusip>
    <value>46553</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Capital One Financial Corporat</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>14040H105</cusip>
    <value>19460</value>
    <shrsOrPrnAmt>
      <sshPrnamt>97</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>97</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Cardinal Health Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>14149Y108</cusip>
    <value>59390</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>250</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Carrier Global Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>14448C104</cusip>
    <value>191590</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>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Carrier Global Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>14448C104</cusip>
    <value>22005</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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  <infoTable>
    <nameOfIssuer>Caterpillar Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>149123101</cusip>
    <value>518606</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>
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  <infoTable>
    <nameOfIssuer>Caterpillar Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>149123101</cusip>
    <value>532450</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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  <infoTable>
    <nameOfIssuer>Centerpoint Energy</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>15189T107</cusip>
    <value>8808</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>607676</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3666</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3666</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Chevron Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>166764100</cusip>
    <value>266211</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>794580</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23370</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>23370</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>29206</value>
    <shrsOrPrnAmt>
      <sshPrnamt>859</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>859</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Cisco Systems Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>17275R102</cusip>
    <value>512126</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4360</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4360</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Cisco Systems Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>17275R102</cusip>
    <value>587300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5000</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Citigroup Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>172967424</cusip>
    <value>71799</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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  <infoTable>
    <nameOfIssuer>Citizens Financial Group Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>174610105</cusip>
    <value>126126</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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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>576042</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7088</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6688</Sole>
      <Shared>400</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Coca-Cola Co</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>191216100</cusip>
    <value>24381</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>181251</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>
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  <infoTable>
    <nameOfIssuer>Colgate-Palmolive Co</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>194162103</cusip>
    <value>10360</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>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Comcast Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>20030N101</cusip>
    <value>20597</value>
    <shrsOrPrnAmt>
      <sshPrnamt>839</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>839</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Comcast Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>20030N101</cusip>
    <value>34370</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1400</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Conagra Brands</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>205887102</cusip>
    <value>6151</value>
    <shrsOrPrnAmt>
      <sshPrnamt>457</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>457</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Conagra Brands</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>205887102</cusip>
    <value>49466</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3675</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3675</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ConocoPhillips</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>20825C104</cusip>
    <value>12163</value>
    <shrsOrPrnAmt>
      <sshPrnamt>117</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>117</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ConocoPhillips</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>20825C104</cusip>
    <value>103960</value>
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      <sshPrnamt>1000</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
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      <None>0</None>
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    <nameOfIssuer>Constellation Energy</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>21037T109</cusip>
    <value>41229</value>
    <shrsOrPrnAmt>
      <sshPrnamt>166</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>166</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Corteva Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>22052L104</cusip>
    <value>3388</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>40</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Costco Wholesale Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>22160K105</cusip>
    <value>864374</value>
    <shrsOrPrnAmt>
      <sshPrnamt>924</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>924</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Cummins Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>231021106</cusip>
    <value>231080</value>
    <shrsOrPrnAmt>
      <sshPrnamt>324</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>324</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>DNP Select Income Fund Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>23325P104</cusip>
    <value>5395</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>DTE Energy Co</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>233331107</cusip>
    <value>35807</value>
    <shrsOrPrnAmt>
      <sshPrnamt>235</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>235</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Danaher Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>235851102</cusip>
    <value>142098</value>
    <shrsOrPrnAmt>
      <sshPrnamt>746</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>746</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Danaher Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>235851102</cusip>
    <value>10095</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>53</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Darden Restaurants Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>237194105</cusip>
    <value>133907</value>
    <shrsOrPrnAmt>
      <sshPrnamt>650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>300</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Deere &amp; Company</nameOfIssuer>
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    <cusip>244199105</cusip>
    <value>36157</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>57</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Dell Technologies - C</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>24703L202</cusip>
    <value>80683</value>
    <shrsOrPrnAmt>
      <sshPrnamt>187</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>187</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Diamondback Energy</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>25278X109</cusip>
    <value>52734</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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    <nameOfIssuer>Walt Disney Co</nameOfIssuer>
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    <cusip>254687106</cusip>
    <value>359686</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3737</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3737</Sole>
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      <None>0</None>
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    <nameOfIssuer>Dollar General Corp</nameOfIssuer>
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    <cusip>256677105</cusip>
    <value>23252</value>
    <shrsOrPrnAmt>
      <sshPrnamt>202</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>202</Sole>
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      <None>0</None>
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    <nameOfIssuer>Dominion Energy Inc</nameOfIssuer>
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    <cusip>25746U109</cusip>
    <value>136580</value>
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      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2000</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Dow Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>260557103</cusip>
    <value>3721</value>
    <shrsOrPrnAmt>
      <sshPrnamt>136</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>136</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Duke Energy Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>26441C204</cusip>
    <value>146200</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1155</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1155</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Duke Energy Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>26441C204</cusip>
    <value>71518</value>
    <shrsOrPrnAmt>
      <sshPrnamt>565</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>565</Sole>
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      <None>0</None>
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    <nameOfIssuer>EOG Resources Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>26875P101</cusip>
    <value>8951</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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    <nameOfIssuer>Eastman Chemical Company</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>277432100</cusip>
    <value>13396</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>
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    <nameOfIssuer>Ecolab Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>278865100</cusip>
    <value>111444</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>400</Sole>
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      <None>0</None>
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    <nameOfIssuer>Emerson Electric Co</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>291011104</cusip>
    <value>171780</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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    <nameOfIssuer>Enbridge Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>29250N105</cusip>
    <value>5421</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
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      <None>0</None>
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    <nameOfIssuer>Enterprise Products Partners L</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>293792107</cusip>
    <value>170897</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4649</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4649</Sole>
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      <None>0</None>
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    <nameOfIssuer>Enterprise Products Partners L</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>293792107</cusip>
    <value>62492</value>
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      <sshPrnamt>1700</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1700</Sole>
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    <cusip>294429105</cusip>
    <value>5555</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35</sshPrnamt>
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    <votingAuthority>
      <Sole>35</Sole>
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      <None>0</None>
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    <titleOfClass>Com</titleOfClass>
    <cusip>30034W106</cusip>
    <value>86430</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
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      <None>0</None>
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    <nameOfIssuer>Eversource Energy</nameOfIssuer>
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    <cusip>30040W108</cusip>
    <value>43362</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>600</Sole>
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      <None>0</None>
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    <nameOfIssuer>Exelon Corporation</nameOfIssuer>
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    <cusip>30161N101</cusip>
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    <shrsOrPrnAmt>
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      <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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    <cusip>30231G102</cusip>
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    <votingAuthority>
      <Sole>10805</Sole>
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    <cusip>30231G102</cusip>
    <value>321839</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2354</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>2354</Sole>
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      <None>0</None>
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    <nameOfIssuer>Meta Platforms Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>30303M102</cusip>
    <value>1487649</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2641</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2523</Sole>
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  <infoTable>
    <nameOfIssuer>Meta Platforms Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>30303M102</cusip>
    <value>181943</value>
    <shrsOrPrnAmt>
      <sshPrnamt>323</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>323</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>First Busey Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>319383204</cusip>
    <value>134786</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4569</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4569</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>First Financial Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>320218100</cusip>
    <value>48220184</value>
    <shrsOrPrnAmt>
      <sshPrnamt>622678</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2691</Sole>
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      <None>619987</None>
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  <infoTable>
    <nameOfIssuer>First Financial Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>320218100</cusip>
    <value>653129</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8434</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>8434</None>
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    <nameOfIssuer>First Internet Bank</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>320557101</cusip>
    <value>83400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3000</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>First Internet Bank</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>320557101</cusip>
    <value>83400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3000</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>First Trust Morningstar Div Le</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>336917109</cusip>
    <value>91238</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1875</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1875</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>First Trust Inter Duration Pfd</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>33718W103</cusip>
    <value>98191</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5404</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5404</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>First Trust Inter Duration Pfd</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
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    <value>7304</value>
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    <value>188692</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3021</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3021</Sole>
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      <None>0</None>
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    <titleOfClass>Com</titleOfClass>
    <cusip>33939L407</cusip>
    <value>595302</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12080</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12080</Sole>
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      <None>0</None>
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    <titleOfClass>Com</titleOfClass>
    <cusip>33939L407</cusip>
    <value>73181</value>
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      <sshPrnamt>1485</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1485</Sole>
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      <None>0</None>
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    <nameOfIssuer>FlexShares Intl Quality Div In</nameOfIssuer>
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      <sshPrnamt>104470</sshPrnamt>
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    <votingAuthority>
      <Sole>104470</Sole>
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      <None>0</None>
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    <titleOfClass>Com</titleOfClass>
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    <value>1085514</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12072</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12072</Sole>
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      <None>0</None>
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    <titleOfClass>Com</titleOfClass>
    <cusip>33939L860</cusip>
    <value>197914</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2201</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2201</Sole>
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      <None>0</None>
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    <nameOfIssuer>Freeport-McMoRan Inc.</nameOfIssuer>
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    <cusip>35671D857</cusip>
    <value>13647</value>
    <shrsOrPrnAmt>
      <sshPrnamt>217</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>217</Sole>
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      <None>0</None>
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    <value>128</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2</Sole>
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      <None>0</None>
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    <value>23497</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>20</Sole>
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      <None>0</None>
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    <cusip>36828A101</cusip>
    <value>110437</value>
    <shrsOrPrnAmt>
      <sshPrnamt>94</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>94</Sole>
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      <None>0</None>
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    <titleOfClass>Com</titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>650</Sole>
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      <None>0</None>
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    <nameOfIssuer>General Dynamics</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>369550108</cusip>
    <value>26568</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>75</Sole>
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      <None>0</None>
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    <nameOfIssuer>GE Aerospace</nameOfIssuer>
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    <cusip>369604301</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>475</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>475</Sole>
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      <None>0</None>
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    <nameOfIssuer>General Mills Inc</nameOfIssuer>
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      <sshPrnamt>313</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>313</Sole>
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      <None>0</None>
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    <nameOfIssuer>General Mills Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>370334104</cusip>
    <value>29232</value>
    <shrsOrPrnAmt>
      <sshPrnamt>840</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>840</Sole>
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      <None>0</None>
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    <nameOfIssuer>General Motors Co</nameOfIssuer>
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    <cusip>37045V100</cusip>
    <value>53956</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>700</Sole>
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      <None>0</None>
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    <titleOfClass>Com</titleOfClass>
    <cusip>373865104</cusip>
    <value>135878</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2863</sshPrnamt>
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    <votingAuthority>
      <Sole>2863</Sole>
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      <None>0</None>
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    <nameOfIssuer>Gilead Sciences Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>375558103</cusip>
    <value>5306</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>42</Sole>
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      <None>0</None>
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    <nameOfIssuer>GSK PLC - Spon ADR</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
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      <sshPrnamt>252</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>252</Sole>
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      <None>0</None>
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    <nameOfIssuer>Goldman Sachs Group Inc</nameOfIssuer>
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    <cusip>38141G104</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>23</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>HCA Healthcare Inc</nameOfIssuer>
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    <nameOfIssuer>Halliburton Co</nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>Home Depot Inc</nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>218</sshPrnamt>
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    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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      <sshPrnamt>10</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>Innovator Emerging Markets Pow</nameOfIssuer>
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    <value>24813</value>
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      <sshPrnamt>754</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>754</Sole>
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      <None>0</None>
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    <nameOfIssuer>Innovator International Develo</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>45782C367</cusip>
    <value>24177</value>
    <shrsOrPrnAmt>
      <sshPrnamt>728</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>728</Sole>
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      <None>0</None>
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    <titleOfClass>Com</titleOfClass>
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    <value>342094</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2450</Sole>
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      <None>0</None>
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  <infoTable>
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    <titleOfClass>Com</titleOfClass>
    <cusip>458140100</cusip>
    <value>614372</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4400</Sole>
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      <None>0</None>
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    <nameOfIssuer>Intercontinental Exchange Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>45866F104</cusip>
    <value>758604</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6162</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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  <infoTable>
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    <titleOfClass>Com</titleOfClass>
    <cusip>45866F104</cusip>
    <value>21421</value>
    <shrsOrPrnAmt>
      <sshPrnamt>174</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>174</Sole>
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  <infoTable>
    <nameOfIssuer>IBM</nameOfIssuer>
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    <cusip>459200101</cusip>
    <value>184755</value>
    <shrsOrPrnAmt>
      <sshPrnamt>657</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>557</Sole>
      <Shared>100</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>IBM</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>459200101</cusip>
    <value>49212</value>
    <shrsOrPrnAmt>
      <sshPrnamt>175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>175</Sole>
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      <None>0</None>
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    <nameOfIssuer>Invesco QQQ Trust Series 1</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>46090E103</cusip>
    <value>1586206</value>
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      <sshPrnamt>2154</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2154</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Intuitive Surgical Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>46120E602</cusip>
    <value>8749</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>22</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Invesco NASDAQ 100 ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>46138G649</cusip>
    <value>3062724</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10109</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10109</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Invesco NASDAQ 100 ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>46138G649</cusip>
    <value>56352</value>
    <shrsOrPrnAmt>
      <sshPrnamt>186</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Invesco S&amp;P MidCap 400 Revenue</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>46138G672</cusip>
    <value>275113</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1881</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1881</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Iron Mountain Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>46284V101</cusip>
    <value>189465</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1500</Sole>
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      <None>0</None>
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      <sshPrnamt>12766</sshPrnamt>
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      <sshPrnamt>8010</sshPrnamt>
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      <Sole>2410</Sole>
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      <sshPrnamt>255</sshPrnamt>
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      <sshPrnamt>200</sshPrnamt>
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      <sshPrnamt>25</sshPrnamt>
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      <sshPrnamt>2286</sshPrnamt>
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      <sshPrnamt>912</sshPrnamt>
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      <sshPrnamt>64</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1890</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Vanguard Small-Cap ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>922908751</cusip>
    <value>5759583</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19001</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19001</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Vanguard Small-Cap ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>922908751</cusip>
    <value>83964</value>
    <shrsOrPrnAmt>
      <sshPrnamt>277</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>277</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Vanguard Total Stock Market ET</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>922908769</cusip>
    <value>196491</value>
    <shrsOrPrnAmt>
      <sshPrnamt>531</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>531</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Verizon Communications Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92343V104</cusip>
    <value>76635</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1810</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1684</Sole>
      <Shared>126</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Verizon Communications Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92343V104</cusip>
    <value>108941</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2573</sshPrnamt>
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    <votingAuthority>
      <Sole>2573</Sole>
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      <None>0</None>
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    <nameOfIssuer>Viatris Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92556V106</cusip>
    <value>2890</value>
    <shrsOrPrnAmt>
      <sshPrnamt>182</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>182</Sole>
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      <None>0</None>
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    <nameOfIssuer>Visa Inc - A</nameOfIssuer>
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    <value>1431715</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4173</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4041</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Visa Inc - A</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92826C839</cusip>
    <value>75137</value>
    <shrsOrPrnAmt>
      <sshPrnamt>219</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>219</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Walmart Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>931142103</cusip>
    <value>1046522</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9240</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9240</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Walmart Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>931142103</cusip>
    <value>135912</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1200</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Walgreens Boots Alliance DAP R</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>931CVR013</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1800</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Warner Bros Discovery Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>934423104</cusip>
    <value>427</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Warner Bros Discovery Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>934423104</cusip>
    <value>9598</value>
    <shrsOrPrnAmt>
      <sshPrnamt>360</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>360</Sole>
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      <None>0</None>
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    <nameOfIssuer>Waste Connections Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>94106B101</cusip>
    <value>1625228</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9750</Sole>
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      <None>0</None>
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    <nameOfIssuer>Waste Management Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>94106L109</cusip>
    <value>274365</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1231</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1231</Sole>
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      <None>0</None>
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    <nameOfIssuer>Wells Fargo &amp; Co</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>949746101</cusip>
    <value>240565</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2911</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2911</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Wells Fargo &amp; Co</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>949746101</cusip>
    <value>165280</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2000</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Williams Co Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>969457100</cusip>
    <value>74340</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>WisdomTree Emerg Mkts ex-St-Ow</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>97717X578</cusip>
    <value>1360073</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27655</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>27655</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>WisdomTree Emerg Mkts ex-St-Ow</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>97717X578</cusip>
    <value>46573</value>
    <shrsOrPrnAmt>
      <sshPrnamt>947</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>947</Sole>
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  <infoTable>
    <nameOfIssuer>WisdomTree Intl Hedged Qual Di</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>97717X594</cusip>
    <value>170235</value>
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      <sshPrnamt>3250</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3250</Sole>
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      <None>0</None>
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    <nameOfIssuer>SPDR Gold MiniShares Trust</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>98149E303</cusip>
    <value>5718</value>
    <shrsOrPrnAmt>
      <sshPrnamt>72</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>72</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>YUM! Brands, Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>988498101</cusip>
    <value>24778</value>
    <shrsOrPrnAmt>
      <sshPrnamt>155</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>155</Sole>
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      <None>0</None>
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    <nameOfIssuer>Zimmer Biomet Holdings, Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>98956P102</cusip>
    <value>3185</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>37</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Accenture PLC - A</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>G1151C101</cusip>
    <value>156794</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1260</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Eaton Corp PLC</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>G29183103</cusip>
    <value>61787</value>
    <shrsOrPrnAmt>
      <sshPrnamt>145</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>145</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Everest Group Ltd</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>G3223R108</cusip>
    <value>71446</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>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Johnson Controls International</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>G51502105</cusip>
    <value>1121102</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7673</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7524</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Johnson Controls International</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>G51502105</cusip>
    <value>30537</value>
    <shrsOrPrnAmt>
      <sshPrnamt>209</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>209</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Linde PLC</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>G54950103</cusip>
    <value>945509</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1822</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>1815</Sole>
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  <infoTable>
    <nameOfIssuer>Linde PLC</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>G54950103</cusip>
    <value>27504</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>53</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Medtronic PLC</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>G5960L103</cusip>
    <value>14942</value>
    <shrsOrPrnAmt>
      <sshPrnamt>191</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>191</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Norwegian Cruse Line Holdings</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>G66721104</cusip>
    <value>2111</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>
    </votingAuthority>
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    <nameOfIssuer>Seagate Technology Holdings</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>G7997R103</cusip>
    <value>319415</value>
    <shrsOrPrnAmt>
      <sshPrnamt>331</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>331</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Seagate Technology Holdings</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>G7997R103</cusip>
    <value>340645</value>
    <shrsOrPrnAmt>
      <sshPrnamt>353</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>353</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Chubb Ltd</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>H1467J104</cusip>
    <value>43615</value>
    <shrsOrPrnAmt>
      <sshPrnamt>128</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>128</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Chubb Ltd</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>H1467J104</cusip>
    <value>85185</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>
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  <infoTable>
    <nameOfIssuer>ASML Holding N.V. - NY</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>N07059210</cusip>
    <value>25863</value>
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      <sshPrnamt>13</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13</Sole>
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      <None>0</None>
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</informationTable>
