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                        <None>0</None>
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                </votingAuthority>
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                <value>2012</value>
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                <investmentDiscretion>DFND</investmentDiscretion>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
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                </votingAuthority>
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                </votingAuthority>
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                <votingAuthority>
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                </votingAuthority>
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        <infoTable>
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                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
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                </votingAuthority>
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                <nameOfIssuer>BAXTER INTERNATIONAL</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>071813109</cusip>
                <value>89</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1276</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>1276</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BED BATH &amp; BEYOND INC.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>075896100</cusip>
                <value>566</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>7046</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>7046</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BED BATH &amp; BEYOND INC.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>075896100</cusip>
                <value>816</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>10168</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>10168</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BED BATH &amp; BEYOND INC.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>075896100</cusip>
                <value>6</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>77</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>77</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BERKSHIRE HATHAWAY INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>084670108</cusip>
                <value>178</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>1</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BERKSHIRE HATHAWAY INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>084670108</cusip>
                <value>534</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>3</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BERKSHIRE HATHAWAY INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>084670702</cusip>
                <value>90</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>760</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>760</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BERKSHIRE HATHAWAY INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>084670702</cusip>
                <value>179</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1506</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>1506</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BLACKROCK</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>09247X101</cusip>
                <value>1067</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3370</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>3370</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BLACKROCK</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>09247X101</cusip>
                <value>668</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2112</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>2112</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BLACKROCK</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>09247X101</cusip>
                <value>127</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>401</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>401</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BRISTOL-MYERS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>110122108</cusip>
                <value>777</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>14618</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>14618</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BRISTOL-MYERS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>110122108</cusip>
                <value>154</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2906</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>2906</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BRISTOL-MYERS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>110122108</cusip>
                <value>130</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2448</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>2448</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>CME GROUP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>12572Q105</cusip>
                <value>536</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>6833</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>6833</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>CME GROUP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>12572Q105</cusip>
                <value>565</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>7199</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>7199</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>CME GROUP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>12572Q105</cusip>
                <value>8</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>102</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>102</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>CVS CAREMARK</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>126650100</cusip>
                <value>1174</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>16397</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>16282</Sole>
                        <Shared>0</Shared>
                        <None>115</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>CVS CAREMARK</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>126650100</cusip>
                <value>1542</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>21544</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>21544</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>CVS CAREMARK</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>126650100</cusip>
                <value>10</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>141</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>141</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>CAMERON INTERNATIONAL</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>13342B105</cusip>
                <value>865</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>14534</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>14469</Sole>
                        <Shared>0</Shared>
                        <None>65</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>CAMERON INTERNATIONAL</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>13342B105</cusip>
                <value>1064</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>17879</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>17879</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>CAMERON INTERNATIONAL</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>13342B105</cusip>
                <value>8</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>135</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>135</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>149123101</cusip>
                <value>221</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2429</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>2364</Sole>
                        <Shared>0</Shared>
                        <None>65</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>CELGENE</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>151020104</cusip>
                <value>1090</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>6449</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>6404</Sole>
                        <Shared>0</Shared>
                        <None>45</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>CELGENE</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>151020104</cusip>
                <value>863</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>5110</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>5110</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>CELGENE</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>151020104</cusip>
                <value>15</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>87</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>87</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>CHEMED</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>16359R103</cusip>
                <value>617</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>8050</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>8050</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>CHEVRON</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>166764100</cusip>
                <value>1336</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>10694</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>10634</Sole>
                        <Shared>0</Shared>
                        <None>60</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>CHEVRON</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>166764100</cusip>
                <value>631</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>5048</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>5048</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>CHEVRON</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>166764100</cusip>
                <value>206</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1646</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>1646</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>17275R102</cusip>
                <value>236</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>10542</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>10382</Sole>
                        <Shared>0</Shared>
                        <None>160</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>17275R102</cusip>
                <value>43</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1914</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>1914</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>17275R102</cusip>
                <value>69</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3085</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>3085</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>CITIGROUP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>172967424</cusip>
                <value>218</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>4175</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>4175</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>CITIGROUP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>172967424</cusip>
                <value>18</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>350</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>350</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>COCA-COLA COMPANY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>191216100</cusip>
                <value>43</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1041</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>1041</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>COCA-COLA COMPANY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>191216100</cusip>
                <value>563</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>13640</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>13640</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>COGNIZANT</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>192446102</cusip>
                <value>978</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>9681</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>9616</Sole>
                        <Shared>0</Shared>
                        <None>65</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>COGNIZANT</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>192446102</cusip>
                <value>1295</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>12821</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>12821</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>COGNIZANT</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>192446102</cusip>
                <value>8</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>81</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>81</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>COMCAST CORPORATION</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>20030N101</cusip>
                <value>1468</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>28258</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>28108</Sole>
                        <Shared>0</Shared>
                        <None>150</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>COMCAST CORPORATION</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>20030N101</cusip>
                <value>1242</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>23905</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>23905</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>COMCAST CORPORATION</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>20030N101</cusip>
                <value>124</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2384</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>2384</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>20825C104</cusip>
                <value>729</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>10319</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>10264</Sole>
                        <Shared>0</Shared>
                        <None>55</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>20825C104</cusip>
                <value>62</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>884</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>884</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>20825C104</cusip>
                <value>267</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3776</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>3776</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>DAKOTA PLAINS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>234255107</cusip>
                <value>956</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>415482</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>415482</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>DANAHER CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>235851102</cusip>
                <value>433</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>5613</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>5613</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>DANAHER CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>235851102</cusip>
                <value>563</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>7289</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>7289</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>DANAHER CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>235851102</cusip>
                <value>4</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>52</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>52</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>DARLING</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>237266101</cusip>
                <value>580</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>27770</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>27770</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>244199105</cusip>
                <value>758</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>8304</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>8304</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>244199105</cusip>
                <value>329</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3602</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>3602</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>244199105</cusip>
                <value>95</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1045</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>1045</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>WALT DISNEY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>254687106</cusip>
                <value>747</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>9771</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>9706</Sole>
                        <Shared>0</Shared>
                        <None>65</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>WALT DISNEY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>254687106</cusip>
                <value>588</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>7700</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>7700</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>WALT DISNEY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>254687106</cusip>
                <value>4</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>55</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>55</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>DIRECTV</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>25490A309</cusip>
                <value>864</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>12506</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>12506</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>DIRECTV</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>25490A309</cusip>
                <value>1118</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>16189</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>16189</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>DIRECTV</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>25490A309</cusip>
                <value>8</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>119</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>119</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>DU PONT DE NEMOURS &amp; CO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>263534109</cusip>
                <value>895</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>13778</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>13733</Sole>
                        <Shared>0</Shared>
                        <None>45</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>DU PONT DE NEMOURS &amp; CO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>263534109</cusip>
                <value>75</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1152</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>1152</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>DU PONT DE NEMOURS &amp; CO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>263534109</cusip>
                <value>180</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2775</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>2775</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>EMC CORPORATION</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>268648102</cusip>
                <value>838</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>33331</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>33281</Sole>
                        <Shared>0</Shared>
                        <None>50</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>EMC CORPORATION</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>268648102</cusip>
                <value>999</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>39741</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>39741</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>EMC CORPORATION</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>268648102</cusip>
                <value>8</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>323</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>323</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>EMERSON ELECTRIC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>291011104</cusip>
                <value>553</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>7886</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>7821</Sole>
                        <Shared>0</Shared>
                        <None>65</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>EMERSON ELECTRIC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>291011104</cusip>
                <value>763</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>10865</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>10865</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>EMERSON ELECTRIC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>291011104</cusip>
                <value>4</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>57</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>57</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>EXPRESS SCRIPTS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>30219G108</cusip>
                <value>868</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>12360</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>12300</Sole>
                        <Shared>0</Shared>
                        <None>60</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>EXPRESS SCRIPTS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>30219G108</cusip>
                <value>1095</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>15590</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>15590</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>EXPRESS SCRIPTS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>30219G108</cusip>
                <value>13</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>188</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>188</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>EXXON MOBIL</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>30231G102</cusip>
                <value>1942</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>19190</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>19040</Sole>
                        <Shared>0</Shared>
                        <None>150</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>EXXON MOBIL</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>30231G102</cusip>
                <value>730</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>7209</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>7209</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>EXXON MOBIL</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>30231G102</cusip>
                <value>287</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2832</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>2832</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>FBL</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>30239F106</cusip>
                <value>224</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>5000</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>5000</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>FISERV INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>337738108</cusip>
                <value>1008</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>17070</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>16990</Sole>
                        <Shared>0</Shared>
                        <None>80</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>FISERV INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>337738108</cusip>
                <value>1408</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>23844</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>23844</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>FISERV INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>337738108</cusip>
                <value>8</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>137</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>137</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>FRANKLIN RESOURCES INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>354613101</cusip>
                <value>434</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>7523</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>7493</Sole>
                        <Shared>0</Shared>
                        <None>30</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>FRANKLIN RESOURCES INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>354613101</cusip>
                <value>793</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>13734</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>13734</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>FRANKLIN RESOURCES INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>354613101</cusip>
                <value>4</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>70</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>70</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>369550108</cusip>
                <value>597</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>6251</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>6236</Sole>
                        <Shared>0</Shared>
                        <None>15</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>369550108</cusip>
                <value>38</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>396</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>396</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>369550108</cusip>
                <value>107</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1123</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>1123</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>GENERAL ELECTRIC CO.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>369604103</cusip>
                <value>809</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>28875</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>28390</Sole>
                        <Shared>0</Shared>
                        <None>485</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>GENERAL ELECTRIC CO.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>369604103</cusip>
                <value>67</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2377</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>2377</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>GENERAL ELECTRIC CO.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>369604103</cusip>
                <value>307</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>10955</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>10955</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>GENERAL MILLS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>370334104</cusip>
                <value>20</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>400</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>400</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>GENERAL MILLS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>370334104</cusip>
                <value>240</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>4800</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>4800</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>375558103</cusip>
                <value>277</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3687</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>3612</Sole>
                        <Shared>0</Shared>
                        <None>75</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>375558103</cusip>
                <value>34</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>450</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>450</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>375558103</cusip>
                <value>9</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>120</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>120</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>GOOGLE INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>38259P508</cusip>
                <value>964</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>860</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>860</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>GOOGLE INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>38259P508</cusip>
                <value>1021</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>911</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>911</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>GOOGLE INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>38259P508</cusip>
                <value>19</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>17</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>17</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>HERTZ GLOBAL HOLDINGS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>42805T105</cusip>
                <value>807</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>28190</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>28190</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>HERTZ GLOBAL HOLDINGS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>42805T105</cusip>
                <value>1107</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>38681</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>38681</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>HERTZ GLOBAL HOLDINGS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>42805T105</cusip>
                <value>9</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>306</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>306</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>HEWLETT PACKARD CO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>428236103</cusip>
                <value>211</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>7550</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>7550</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>HEWLETT PACKARD CO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>428236103</cusip>
                <value>28</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>
        </infoTable>
        <infoTable>
                <nameOfIssuer>HEWLETT PACKARD CO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>428236103</cusip>
                <value>16</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>580</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>580</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>437076102</cusip>
                <value>529</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>6423</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>6423</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>437076102</cusip>
                <value>39</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>475</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>475</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>437076102</cusip>
                <value>99</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1202</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>1202</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>HUBBELL REALTY COMPANY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>443910104</cusip>
                <value>497</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>8275</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>8275</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>HUBBELL REALTY COMPANY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>443910104</cusip>
                <value>1115</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>18575</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>18575</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ING GROEP NV</nameOfIssuer>
                <titleOfClass>FOREIGN STOCK</titleOfClass>
                <cusip>456837103</cusip>
                <value>1224</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>87383</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>87383</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ING GROEP NV</nameOfIssuer>
                <titleOfClass>FOREIGN STOCK</titleOfClass>
                <cusip>456837103</cusip>
                <value>5545</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>395787</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>395787</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ING GROEP NV</nameOfIssuer>
                <titleOfClass>FOREIGN STOCK</titleOfClass>
                <cusip>456837103</cusip>
                <value>7150</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>510315</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>483659</Sole>
                        <Shared>0</Shared>
                        <None>26656</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>INTEL CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>458140100</cusip>
                <value>774</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>29832</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>29682</Sole>
                        <Shared>0</Shared>
                        <None>150</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>INTEL CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>458140100</cusip>
                <value>673</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>25938</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>25938</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>INTEL CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>458140100</cusip>
                <value>128</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>4946</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>4946</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>INTERNATIONAL BUSINESS MACHINES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>459200101</cusip>
                <value>653</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3483</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>3433</Sole>
                        <Shared>0</Shared>
                        <None>50</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>INTERNATIONAL BUSINESS MACHINES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>459200101</cusip>
                <value>787</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>4196</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>4196</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>INTERNATIONAL BUSINESS MACHINES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>459200101</cusip>
                <value>208</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1109</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>1109</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ISHARES</nameOfIssuer>
                <titleOfClass>MUTUAL FUNDS - </titleOfClass>
                <cusip>464287507</cusip>
                <value>506</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3780</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>3780</Sole>
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                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ISHARES</nameOfIssuer>
                <titleOfClass>MUTUAL FUNDS - </titleOfClass>
                <cusip>464287507</cusip>
                <value>105</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>785</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>785</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ISHARES</nameOfIssuer>
                <titleOfClass>MUTUAL FUNDS - </titleOfClass>
                <cusip>464287507</cusip>
                <value>181</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1355</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>1355</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>JP MORGAN</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>46625H100</cusip>
                <value>1920</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>32827</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>32677</Sole>
                        <Shared>0</Shared>
                        <None>150</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>JP MORGAN</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>46625H100</cusip>
                <value>1200</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>20517</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>20517</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>JP MORGAN</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>46625H100</cusip>
                <value>185</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3159</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>3159</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>478160104</cusip>
                <value>1031</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>11255</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>11110</Sole>
                        <Shared>0</Shared>
                        <None>145</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>478160104</cusip>
                <value>159</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1731</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>1731</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>478160104</cusip>
                <value>220</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2403</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>2403</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>KINDER MORGAN</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>494550106</cusip>
                <value>561</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>6950</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>6950</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MACERICH COMPANY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>554382101</cusip>
                <value>1240</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>21057</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>21057</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MACERICH COMPANY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>554382101</cusip>
                <value>676</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>11481</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>11481</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MARATHON OIL</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>565849106</cusip>
                <value>529</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>14993</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>14993</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MARATHON OIL</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>565849106</cusip>
                <value>38</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1068</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>1068</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MARATHON OIL</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>565849106</cusip>
                <value>106</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2998</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>2998</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MASTERCARD INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>57636Q104</cusip>
                <value>1153</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1380</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>1380</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MASTERCARD INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>57636Q104</cusip>
                <value>1224</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1465</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>1465</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MASTERCARD INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>57636Q104</cusip>
                <value>8</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>10</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>10</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>580135101</cusip>
                <value>494</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>5088</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>5013</Sole>
                        <Shared>0</Shared>
                        <None>75</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>580135101</cusip>
                <value>148</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1527</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>1527</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>580135101</cusip>
                <value>82</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>846</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>846</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MEDTRONIC INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>585055106</cusip>
                <value>526</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>9169</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>9044</Sole>
                        <Shared>0</Shared>
                        <None>125</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MEDTRONIC INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>585055106</cusip>
                <value>549</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>9559</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>9559</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MEDTRONIC INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>585055106</cusip>
                <value>4</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>70</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>70</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MERCK &amp; CO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>58933Y105</cusip>
                <value>639</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>12766</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>12711</Sole>
                        <Shared>0</Shared>
                        <None>55</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MERCK &amp; CO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>58933Y105</cusip>
                <value>498</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>9949</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>9949</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MERCK &amp; CO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>58933Y105</cusip>
                <value>42</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>840</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>840</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>METLIFE INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>59156R108</cusip>
                <value>1669</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>30957</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>30922</Sole>
                        <Shared>0</Shared>
                        <None>35</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>METLIFE INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>59156R108</cusip>
                <value>1499</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>27796</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>27796</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>METLIFE INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>59156R108</cusip>
                <value>134</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2487</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>2487</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>594918104</cusip>
                <value>1395</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>37290</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>37015</Sole>
                        <Shared>0</Shared>
                        <None>275</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>594918104</cusip>
                <value>956</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>25567</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>25567</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>594918104</cusip>
                <value>135</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3615</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>3615</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MONDELEZ</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>609207105</cusip>
                <value>665</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>18830</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>18830</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MONDELEZ</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>609207105</cusip>
                <value>46</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1297</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>1297</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MONDELEZ</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>609207105</cusip>
                <value>146</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>4145</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>4145</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MONSANTO COMPANY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>61166W101</cusip>
                <value>266</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2281</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>2281</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MONSANTO COMPANY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>61166W101</cusip>
                <value>10</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>85</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>85</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MYRIAD</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>62855J104</cusip>
                <value>332</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>15818</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>15818</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MYRIAD</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>62855J104</cusip>
                <value>634</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>30223</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>30223</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MYRIAD</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>62855J104</cusip>
                <value>7</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>319</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>319</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>NEW YORK COMMUNITY BANCORP INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>649445103</cusip>
                <value>419</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>24843</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>24843</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>NEW YORK COMMUNITY BANCORP INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>649445103</cusip>
                <value>34</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2021</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>2021</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>NEW YORK COMMUNITY BANCORP INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>649445103</cusip>
                <value>88</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>5231</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>5231</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>NEWLINK GENETICS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>651511107</cusip>
                <value>270</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>12277</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>12277</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>NORFOLK SOUTHERN CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>655844108</cusip>
                <value>656</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>7066</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>7066</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>NORFOLK SOUTHERN CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>655844108</cusip>
                <value>48</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>512</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>512</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>NORFOLK SOUTHERN CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>655844108</cusip>
                <value>138</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1490</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>1490</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>NU SKIN ENTERPRISES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>67018T105</cusip>
                <value>990</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>7160</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>7160</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>NU SKIN ENTERPRISES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>67018T105</cusip>
                <value>1071</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>7751</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>7751</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>NU SKIN ENTERPRISES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>67018T105</cusip>
                <value>6</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>43</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>43</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>O'REILLY AUTOMOTIVE</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>67103H107</cusip>
                <value>744</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>5781</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>5781</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>O'REILLY AUTOMOTIVE</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>67103H107</cusip>
                <value>1028</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>7989</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>7989</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>O'REILLY AUTOMOTIVE</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>67103H107</cusip>
                <value>8</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>61</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>61</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>PNC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>693475105</cusip>
                <value>1441</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>18571</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>18531</Sole>
                        <Shared>0</Shared>
                        <None>40</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>PNC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>693475105</cusip>
                <value>1073</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>13834</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>13834</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
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        <infoTable>
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                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>693475105</cusip>
                <value>135</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1742</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>1742</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
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                <nameOfIssuer>PVH</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>693656100</cusip>
                <value>583</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>4284</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>4254</Sole>
                        <Shared>0</Shared>
                        <None>30</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>PVH</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>693656100</cusip>
                <value>721</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>5298</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>5298</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>PVH</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>693656100</cusip>
                <value>4</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>30</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>30</Sole>
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                        <None>0</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>PEPSICO INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>713448108</cusip>
                <value>181</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2180</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>2110</Sole>
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                        <None>70</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>PEPSICO INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>713448108</cusip>
                <value>133</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1600</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>1600</Sole>
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                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>PFIZER INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>717081103</cusip>
                <value>792</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>25843</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>25608</Sole>
                        <Shared>0</Shared>
                        <None>235</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>PFIZER INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>717081103</cusip>
                <value>88</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2882</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>2882</Sole>
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                        <None>0</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>PFIZER INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>717081103</cusip>
                <value>119</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3889</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>3889</Sole>
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                        <None>0</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>PHILIP MORRIS INTERNATIONAL</nameOfIssuer>
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                <cusip>718172109</cusip>
                <value>932</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>10702</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>10582</Sole>
                        <Shared>0</Shared>
                        <None>120</None>
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        <infoTable>
                <nameOfIssuer>PHILIP MORRIS INTERNATIONAL</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>718172109</cusip>
                <value>554</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>6357</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>6357</Sole>
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                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>PHILIP MORRIS INTERNATIONAL</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>718172109</cusip>
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                <shrsOrPrnAmt>
                        <sshPrnamt>1059</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>1059</Sole>
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                        <None>0</None>
                </votingAuthority>
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        <infoTable>
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                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>741503403</cusip>
                <value>294</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>253</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>253</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
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        </infoTable>
        <infoTable>
                <nameOfIssuer>PRICELINE.COM INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>741503403</cusip>
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                <shrsOrPrnAmt>
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                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>11</Sole>
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                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>PRINCIPAL FINANCIAL</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>74251V102</cusip>
                <value>663</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>13454</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>13454</Sole>
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                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>PRINCIPAL FINANCIAL</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>74251V102</cusip>
                <value>52</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1060</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>1060</Sole>
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                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>PRINCIPAL FINANCIAL</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>74251V102</cusip>
                <value>154</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3119</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>3119</Sole>
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                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>PROCTER &amp; GAMBLE</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>742718109</cusip>
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                <shrsOrPrnAmt>
                        <sshPrnamt>9687</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>9537</Sole>
                        <Shared>0</Shared>
                        <None>150</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>PROCTER &amp; GAMBLE</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>742718109</cusip>
                <value>195</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2390</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>2390</Sole>
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                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>PROCTER &amp; GAMBLE</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>742718109</cusip>
                <value>98</value>
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                        <sshPrnamt>1208</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>1208</Sole>
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                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
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                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>744320102</cusip>
                <value>1287</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>13961</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>13961</Sole>
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                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>PRUDENTIAL FINANCIAL</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>744320102</cusip>
                <value>1522</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>16509</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>16509</Sole>
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                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>PRUDENTIAL FINANCIAL</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>744320102</cusip>
                <value>27</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>294</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>294</Sole>
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                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>PUBLIC SERVICE ENTERPRISE GROUP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>744573106</cusip>
                <value>389</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>12140</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>12140</Sole>
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                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>PUBLIC SERVICE ENTERPRISE GROUP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>744573106</cusip>
                <value>27</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>857</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>857</Sole>
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                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>PUBLIC SERVICE ENTERPRISE GROUP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>744573106</cusip>
                <value>81</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2539</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>2539</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>QUALCOMM INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>747525103</cusip>
                <value>183</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2466</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>2416</Sole>
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                        <None>50</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>QUALCOMM INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>747525103</cusip>
                <value>24</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>325</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>325</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>QUALCOMM INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>747525103</cusip>
                <value>5</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>70</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>70</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ROSS STORES INC.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>778296103</cusip>
                <value>864</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>11530</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>11430</Sole>
                        <Shared>0</Shared>
                        <None>100</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ROSS STORES INC.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>778296103</cusip>
                <value>1071</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>14287</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>14287</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ROSS STORES INC.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>778296103</cusip>
                <value>8</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>107</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>107</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SKYWORKS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>83088M102</cusip>
                <value>610</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>21362</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>21362</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SKYWORKS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>83088M102</cusip>
                <value>839</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>29364</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>29364</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SKYWORKS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>83088M102</cusip>
                <value>6</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>214</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>214</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SOMERSET TRUST</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>835126103</cusip>
                <value>2670</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>75200</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>75200</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>855244109</cusip>
                <value>205</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2612</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>2612</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>855244109</cusip>
                <value>9</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>120</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>120</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>STERICYCLE</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>858912108</cusip>
                <value>714</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>6144</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>6144</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>STERICYCLE</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>858912108</cusip>
                <value>982</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>8450</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>8450</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>STERICYCLE</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>858912108</cusip>
                <value>8</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>70</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>70</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>STIFEL</nameOfIssuer>
                <titleOfClass>PREFERRED STOCK</titleOfClass>
                <cusip>860630201</cusip>
                <value>256</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>10000</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>10000</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>TAL INTERNATIONAL GROUP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>874083108</cusip>
                <value>1122</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>19571</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>19571</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>TAL INTERNATIONAL GROUP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>874083108</cusip>
                <value>1603</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>27944</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>27944</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>TAL INTERNATIONAL GROUP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>874083108</cusip>
                <value>10</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>181</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>181</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>TAUBMAN CENTERS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>876664103</cusip>
                <value>247</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3860</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>3860</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>THERMO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>883556102</cusip>
                <value>1263</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>11344</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>11294</Sole>
                        <Shared>0</Shared>
                        <None>50</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>THERMO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>883556102</cusip>
                <value>1493</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>13411</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>13411</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>THERMO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>883556102</cusip>
                <value>10</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>91</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>91</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>TIDEWATER INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>886423102</cusip>
                <value>751</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>12674</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>12674</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>TIDEWATER INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>886423102</cusip>
                <value>1060</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>17887</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>17887</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>TIDEWATER INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>886423102</cusip>
                <value>8</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>139</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>139</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>TWENTY-FIRST</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>90130A101</cusip>
                <value>667</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>18974</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>18974</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>TWENTY-FIRST</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>90130A101</cusip>
                <value>2</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>60</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>60</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>U S BANCORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>902973304</cusip>
                <value>1465</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>36256</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>36111</Sole>
                        <Shared>0</Shared>
                        <None>145</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>U S BANCORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>902973304</cusip>
                <value>1115</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>27599</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>27599</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>U S BANCORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>902973304</cusip>
                <value>129</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3189</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>3189</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>UNION PACIFIC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>907818108</cusip>
                <value>742</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>4417</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>4402</Sole>
                        <Shared>0</Shared>
                        <None>15</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>UNION PACIFIC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>907818108</cusip>
                <value>1079</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>6425</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>6425</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>UNION PACIFIC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>907818108</cusip>
                <value>8</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>48</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>48</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>UNITED TECHNOLOGIES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>913017109</cusip>
                <value>671</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>5900</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>5860</Sole>
                        <Shared>0</Shared>
                        <None>40</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>UNITED TECHNOLOGIES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>913017109</cusip>
                <value>855</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>7514</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>7514</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>UNITED TECHNOLOGIES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>913017109</cusip>
                <value>6</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>54</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>54</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>V F CORPORATION</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>918204108</cusip>
                <value>572</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>9168</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>9168</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>V F CORPORATION</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>918204108</cusip>
                <value>44</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>700</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>700</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>V F CORPORATION</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>918204108</cusip>
                <value>112</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1801</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>1801</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>VERIZON</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>92343V104</cusip>
                <value>1157</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>23538</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>23438</Sole>
                        <Shared>0</Shared>
                        <None>100</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>VERIZON</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>92343V104</cusip>
                <value>1113</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>22654</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>22654</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>VERIZON</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>92343V104</cusip>
                <value>162</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3303</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>3303</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>VISA</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>92826C839</cusip>
                <value>210</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>942</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>942</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>VISA</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>92826C839</cusip>
                <value>8</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>38</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>38</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>WAL-MART</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>931142103</cusip>
                <value>700</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>8899</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>8824</Sole>
                        <Shared>0</Shared>
                        <None>75</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>WAL-MART</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>931142103</cusip>
                <value>792</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>10067</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>10067</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>WAL-MART</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>931142103</cusip>
                <value>6</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>77</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>77</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>WALGREEN CO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>931422109</cusip>
                <value>34</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>590</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>590</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>WALGREEN CO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>931422109</cusip>
                <value>40</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>700</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>700</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>WALGREEN CO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>931422109</cusip>
                <value>800</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>13920</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>13920</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>WELLPOINT</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>94973V107</cusip>
                <value>197</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2127</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>2127</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>WELLPOINT</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>94973V107</cusip>
                <value>17</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>185</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>185</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>WELLS FARGO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>949746101</cusip>
                <value>784</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>17258</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>17058</Sole>
                        <Shared>0</Shared>
                        <None>200</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>WELLS FARGO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>949746101</cusip>
                <value>68</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1502</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>1502</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>WELLS FARGO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>949746101</cusip>
                <value>133</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2934</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>2934</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>WESTERN UNION COMPANY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>959802109</cusip>
                <value>414</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>24016</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>24016</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>WESTERN UNION COMPANY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>959802109</cusip>
                <value>29</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1675</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>1675</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>WESTERN UNION COMPANY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>959802109</cusip>
                <value>61</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3556</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>3556</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>WILLIAMS COMPANIES INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>969457100</cusip>
                <value>527</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>13660</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>13530</Sole>
                        <Shared>0</Shared>
                        <None>130</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>WILLIAMS COMPANIES INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>969457100</cusip>
                <value>704</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>18244</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>18244</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>WILLIAMS COMPANIES INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>969457100</cusip>
                <value>6</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>161</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>161</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>JSC ARIZONA INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>CS0000972</cusip>
                <value>548</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>61756</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>61756</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BUNGE LIMITED</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>G16962105</cusip>
                <value>531</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>6472</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>6472</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BUNGE LIMITED</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>G16962105</cusip>
                <value>799</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>9729</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>9729</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BUNGE LIMITED</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>G16962105</cusip>
                <value>6</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>73</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>73</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>EVEREST RE GROUP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>G3223R108</cusip>
                <value>188</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1206</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>1206</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>EVEREST RE GROUP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>G3223R108</cusip>
                <value>15</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>98</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>98</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>HAMMS DES MOINES COMPANY INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>SU0020390</cusip>
                <value>240</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>93</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>93</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
</informationTable>
