<informationTable xmlns="http://www.sec.gov/edgar/document/thirteenf/informationtable">		<infoTable>
			<nameOfIssuer>AFLAC INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>001055102</cusip>
			<value>1672</value>
			<shrsOrPrnAmt>
				<sshPrnamt>26979</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>24789</Sole>
				<Shared>0</Shared>
				<None>2190</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AFLAC INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>001055102</cusip>
			<value>995</value>
			<shrsOrPrnAmt>
				<sshPrnamt>16050</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>3750</Sole>
				<Shared>12300</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AFLAC INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>001055102</cusip>
			<value>56</value>
			<shrsOrPrnAmt>
				<sshPrnamt>900</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>900</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALERIAN MLP</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-EQUITY</titleOfClass>
			<cusip>00162Q866</cusip>
			<value>4513</value>
			<shrsOrPrnAmt>
				<sshPrnamt>256571</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>247059</Sole>
				<Shared>0</Shared>
				<None>9512</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALERIAN MLP</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-EQUITY</titleOfClass>
			<cusip>00162Q866</cusip>
			<value>72</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4081</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>4081</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALERIAN MLP</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-EQUITY</titleOfClass>
			<cusip>00162Q866</cusip>
			<value>263</value>
			<shrsOrPrnAmt>
				<sshPrnamt>14935</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>14935</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AT&amp;T INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>00206R102</cusip>
			<value>4728</value>
			<shrsOrPrnAmt>
				<sshPrnamt>139807</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>117028</Sole>
				<Shared>0</Shared>
				<None>22779</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AT&amp;T INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>00206R102</cusip>
			<value>188</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5560</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>5360</Sole>
				<Shared>200</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AT&amp;T INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>00206R102</cusip>
			<value>397</value>
			<shrsOrPrnAmt>
				<sshPrnamt>11743</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>10473</Sole>
				<Shared>1170</Shared>
				<None>100</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ABBOTT LABORATORIES</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>002824100</cusip>
			<value>1500</value>
			<shrsOrPrnAmt>
				<sshPrnamt>45180</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>43735</Sole>
				<Shared>0</Shared>
				<None>1445</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ABBOTT LABORATORIES</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>002824100</cusip>
			<value>34</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1015</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>515</Sole>
				<Shared>500</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ABBOTT LABORATORIES</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>002824100</cusip>
			<value>60</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1800</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>200</Sole>
				<Shared>0</Shared>
				<None>1600</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ABBVIE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>00287Y109</cusip>
			<value>1781</value>
			<shrsOrPrnAmt>
				<sshPrnamt>39815</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>38920</Sole>
				<Shared>0</Shared>
				<None>895</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ABBVIE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>00287Y109</cusip>
			<value>541</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12100</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>100</Sole>
				<Shared>12000</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ABBVIE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>00287Y109</cusip>
			<value>130</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2910</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>300</Sole>
				<Shared>1010</Shared>
				<None>1600</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ACTAVIS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>00507K103</cusip>
			<value>769</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5343</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4743</Sole>
				<Shared>0</Shared>
				<None>600</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ADOBE SYSTEMS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>00724F101</cusip>
			<value>250</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4810</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2610</Sole>
				<Shared>0</Shared>
				<None>2200</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ADOBE SYSTEMS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>00724F101</cusip>
			<value>291</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5600</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1600</Sole>
				<Shared>4000</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ADOBE SYSTEMS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>00724F101</cusip>
			<value>10</value>
			<shrsOrPrnAmt>
				<sshPrnamt>200</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>200</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AIR PRODUCTS AND CHEM</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>009158106</cusip>
			<value>97</value>
			<shrsOrPrnAmt>
				<sshPrnamt>910</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>910</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AIR PRODUCTS AND CHEM</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>009158106</cusip>
			<value>266</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2500</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>2500</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALBEMARLE CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>012653101</cusip>
			<value>13</value>
			<shrsOrPrnAmt>
				<sshPrnamt>200</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>200</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALBEMARLE CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>012653101</cusip>
			<value>504</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>8000</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALEXION PHARMACEUTICALS INC COM</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>015351109</cusip>
			<value>9</value>
			<shrsOrPrnAmt>
				<sshPrnamt>75</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>75</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALEXION PHARMACEUTICALS INC COM</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>015351109</cusip>
			<value>465</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>4000</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALLSTATE CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>020002101</cusip>
			<value>193</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3813</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3543</Sole>
				<Shared>0</Shared>
				<None>270</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALLSTATE CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>020002101</cusip>
			<value>28</value>
			<shrsOrPrnAmt>
				<sshPrnamt>556</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>556</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>02209S103</cusip>
			<value>361</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10500</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>10500</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>02209S103</cusip>
			<value>301</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8775</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>5775</Sole>
				<Shared>3000</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>02209S103</cusip>
			<value>29</value>
			<shrsOrPrnAmt>
				<sshPrnamt>840</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>640</Sole>
				<Shared>0</Shared>
				<None>200</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AMERICAN EXPRESS</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>025816109</cusip>
			<value>1714</value>
			<shrsOrPrnAmt>
				<sshPrnamt>22699</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>22114</Sole>
				<Shared>0</Shared>
				<None>585</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AMERICAN EXPRESS</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>025816109</cusip>
			<value>309</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4094</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>4094</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AMERICAN EXPRESS</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>025816109</cusip>
			<value>11</value>
			<shrsOrPrnAmt>
				<sshPrnamt>150</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>150</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AMERICAN INTERNATIONAL GROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>026874784</cusip>
			<value>494</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10151</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6151</Sole>
				<Shared>0</Shared>
				<None>4000</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AMGEN INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>031162100</cusip>
			<value>584</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5221</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5221</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AMGEN INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>031162100</cusip>
			<value>45</value>
			<shrsOrPrnAmt>
				<sshPrnamt>400</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>400</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ANADARKO PETROLEUM CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>032511107</cusip>
			<value>960</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10320</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>9220</Sole>
				<Shared>0</Shared>
				<None>1100</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ANADARKO PETROLEUM CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>032511107</cusip>
			<value>115</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1232</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1232</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ANALOG DEVICES INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>032654105</cusip>
			<value>264</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5620</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3820</Sole>
				<Shared>0</Shared>
				<None>1800</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ANALOG DEVICES INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>032654105</cusip>
			<value>7</value>
			<shrsOrPrnAmt>
				<sshPrnamt>150</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>150</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ANHEUSER-BUSCH</nameOfIssuer>
			<titleOfClass>ADRS</titleOfClass>
			<cusip>03524A108</cusip>
			<value>114</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1145</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>1145</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ANHEUSER-BUSCH</nameOfIssuer>
			<titleOfClass>ADRS</titleOfClass>
			<cusip>03524A108</cusip>
			<value>794</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>8000</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>APACHE CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>037411105</cusip>
			<value>683</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8018</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>7893</Sole>
				<Shared>0</Shared>
				<None>125</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>APOLLO GROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>037604105</cusip>
			<value>2784</value>
			<shrsOrPrnAmt>
				<sshPrnamt>133758</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>99258</Sole>
				<Shared>0</Shared>
				<None>34500</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>APOLLO GROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>037604105</cusip>
			<value>112</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5370</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>5370</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>APPLE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>037833100</cusip>
			<value>1367</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2868</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2418</Sole>
				<Shared>0</Shared>
				<None>450</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>APPLE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>037833100</cusip>
			<value>1907</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>4000</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>APPLE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>037833100</cusip>
			<value>191</value>
			<shrsOrPrnAmt>
				<sshPrnamt>400</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>400</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AUTOMATIC DATA PROCESSING INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>053015103</cusip>
			<value>224</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3093</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2485</Sole>
				<Shared>0</Shared>
				<None>608</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AUTOMATIC DATA PROCESSING INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>053015103</cusip>
			<value>89</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1235</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1235</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AUTOMATIC DATA PROCESSING INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>053015103</cusip>
			<value>38</value>
			<shrsOrPrnAmt>
				<sshPrnamt>525</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>400</Sole>
				<Shared>0</Shared>
				<None>125</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BP P L C</nameOfIssuer>
			<titleOfClass>ADRS</titleOfClass>
			<cusip>055622104</cusip>
			<value>303</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7210</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5710</Sole>
				<Shared>0</Shared>
				<None>1500</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BALL CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>058498106</cusip>
			<value>259</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5760</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5760</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BANCORPSOUTH INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>059692103</cusip>
			<value>858</value>
			<shrsOrPrnAmt>
				<sshPrnamt>43039</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>43039</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BANK OF AMERICA CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>060505104</cusip>
			<value>646</value>
			<shrsOrPrnAmt>
				<sshPrnamt>46813</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>45113</Sole>
				<Shared>0</Shared>
				<None>1700</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BANK OF AMERICA CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>060505104</cusip>
			<value>46</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3355</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>3355</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BARD C R INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>067383109</cusip>
			<value>219</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1900</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1900</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BARD C R INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>067383109</cusip>
			<value>58</value>
			<shrsOrPrnAmt>
				<sshPrnamt>500</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>500</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>IPATH DOW JONES-UBS COMMODITY</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-COMMODITY</titleOfClass>
			<cusip>06738C778</cusip>
			<value>766</value>
			<shrsOrPrnAmt>
				<sshPrnamt>20551</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>20151</Sole>
				<Shared>0</Shared>
				<None>400</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>IPATH DOW JONES-UBS COMMODITY</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-COMMODITY</titleOfClass>
			<cusip>06738C778</cusip>
			<value>5</value>
			<shrsOrPrnAmt>
				<sshPrnamt>145</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>145</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>IPATH DOW JONES-UBS COMMODITY</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-COMMODITY</titleOfClass>
			<cusip>06738C778</cusip>
			<value>13</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>BAXTER INTERNATIONAL INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>071813109</cusip>
			<value>224</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3405</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3305</Sole>
				<Shared>0</Shared>
				<None>100</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BAXTER INTERNATIONAL INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>071813109</cusip>
			<value>625</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9510</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>3510</Sole>
				<Shared>6000</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BAXTER INTERNATIONAL INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>071813109</cusip>
			<value>315</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>BECTON DICKINSON AND CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>075887109</cusip>
			<value>930</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9300</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>9040</Sole>
				<Shared>0</Shared>
				<None>260</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BECTON DICKINSON AND CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>075887109</cusip>
			<value>100</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>BECTON DICKINSON AND CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>075887109</cusip>
			<value>110</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1100</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1100</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BEMIS CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>081437105</cusip>
			<value>210</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5380</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5380</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BERKSHIRE HATHAWAY INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>084670702</cusip>
			<value>244</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2150</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2150</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BERKSHIRE HATHAWAY INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>084670702</cusip>
			<value>99</value>
			<shrsOrPrnAmt>
				<sshPrnamt>870</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>620</Sole>
				<Shared>250</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BERKSHIRE HATHAWAY INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>084670702</cusip>
			<value>11</value>
			<shrsOrPrnAmt>
				<sshPrnamt>100</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>100</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BIOCENTRIC ENERGY HOLDINGS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>09060S106</cusip>
			<value>4</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>10000</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BIOGEN IDEC INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>09062X103</cusip>
			<value>1746</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7250</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2190</Sole>
				<Shared>0</Shared>
				<None>5060</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BLACKROCK</nameOfIssuer>
			<titleOfClass>TAX EXEMPT</titleOfClass>
			<cusip>09253Y100</cusip>
			<value>109</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10274</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>10274</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BRISTOL MYERS SQUIBB CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>110122108</cusip>
			<value>3135</value>
			<shrsOrPrnAmt>
				<sshPrnamt>67740</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>64995</Sole>
				<Shared>0</Shared>
				<None>2745</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BRISTOL MYERS SQUIBB CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>110122108</cusip>
			<value>1157</value>
			<shrsOrPrnAmt>
				<sshPrnamt>25000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>25000</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BRISTOL MYERS SQUIBB CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>110122108</cusip>
			<value>165</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3557</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>191</Sole>
				<Shared>870</Shared>
				<None>2496</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BROOKFIELD ASSET MGMT INC CL A</nameOfIssuer>
			<titleOfClass>FOREIGN STOCK</titleOfClass>
			<cusip>112585104</cusip>
			<value>449</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12001</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>12001</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BROWN-FORMAN CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>115637209</cusip>
			<value>263</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3862</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3862</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CF INDUSTRIES HOLDINGS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>125269100</cusip>
			<value>641</value>
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				<sshPrnamt>3041</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>171</Sole>
				<Shared>0</Shared>
				<None>2870</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CIGNA CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>125509109</cusip>
			<value>692</value>
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				<sshPrnamt>9000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>9000</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>CSX CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>126408103</cusip>
			<value>538</value>
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				<sshPrnamt>20900</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>20450</Sole>
				<Shared>0</Shared>
				<None>450</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CSX CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>126408103</cusip>
			<value>13</value>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>500</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CSX CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>126408103</cusip>
			<value>286</value>
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				<sshPrnamt>11124</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>3924</Sole>
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				<None>7200</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CVS CAREMARK CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>126650100</cusip>
			<value>692</value>
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				<sshPrnamt>12187</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>11237</Sole>
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				<None>950</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CVS CAREMARK CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>126650100</cusip>
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				<sshPrnamt>808</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>808</Sole>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>CVS CAREMARK CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>126650100</cusip>
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				<sshPrnamt>3712</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>3712</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CAMERON INTERNATIONAL CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2102</Sole>
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				<None>2000</None>
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		<infoTable>
			<nameOfIssuer>CARDINAL HEALTH INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>10</value>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>186</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CARDINAL HEALTH INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>500</Sole>
				<Shared>8000</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CARDINAL HEALTH INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>14149Y108</cusip>
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			<shrsOrPrnAmt>
				<sshPrnamt>895</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>895</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>149123101</cusip>
			<value>166</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1985</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1785</Sole>
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				<None>200</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>149123101</cusip>
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			<shrsOrPrnAmt>
				<sshPrnamt>900</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>400</Sole>
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				<None>500</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CELGENE CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>151020104</cusip>
			<value>252</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1632</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>672</Sole>
				<Shared>0</Shared>
				<None>960</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CELGENE CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>500</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>CENTURYLINK INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>156700106</cusip>
			<value>528</value>
			<shrsOrPrnAmt>
				<sshPrnamt>16836</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>16836</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CENTURYLINK INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>156700106</cusip>
			<value>10</value>
			<shrsOrPrnAmt>
				<sshPrnamt>310</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>310</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CENTURYLINK INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>156700106</cusip>
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			<shrsOrPrnAmt>
				<sshPrnamt>938</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>938</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CHEVRON CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>6078</value>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>42618</Sole>
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				<None>7404</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CHEVRON CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>166764100</cusip>
			<value>1272</value>
			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>2467</Sole>
				<Shared>8000</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CHEVRON CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>166764100</cusip>
			<value>521</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4287</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1627</Sole>
				<Shared>560</Shared>
				<None>2100</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CHUBB CORP</nameOfIssuer>
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			<cusip>171232101</cusip>
			<value>2928</value>
			<shrsOrPrnAmt>
				<sshPrnamt>32800</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>23735</Sole>
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				<None>9065</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>CHUBB CORP</nameOfIssuer>
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				<sshPrnamt>2800</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>2800</Sole>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>CHUBB CORP</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1000</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer>
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			<value>1988</value>
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				<sshPrnamt>84831</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>78961</Sole>
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				<None>5870</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer>
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			<cusip>17275R102</cusip>
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				<sshPrnamt>2345</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>900</Sole>
				<Shared>1445</Shared>
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			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>17275R102</cusip>
			<value>39</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1656</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1056</Sole>
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				<None>600</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CITIGROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>172967424</cusip>
			<value>491</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10123</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>9023</Sole>
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				<None>1100</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CITIGROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>172967424</cusip>
			<value>38</value>
			<shrsOrPrnAmt>
				<sshPrnamt>780</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>780</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CLAYMORE</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-EQUITY</titleOfClass>
			<cusip>18383M506</cusip>
			<value>614</value>
			<shrsOrPrnAmt>
				<sshPrnamt>25910</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>23400</Sole>
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				<None>2510</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CLOROX CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>189054109</cusip>
			<value>127</value>
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				<sshPrnamt>1560</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1160</Sole>
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				<None>400</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CLOROX CO</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>COCA COLA CO</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>COCA COLA CO</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>COCA COLA CO</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>COGNIZANT TECHNOLOGY SOLUTION</nameOfIssuer>
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				<None>650</None>
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		<infoTable>
			<nameOfIssuer>COLGATE PALMOLIVE CO</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>COLGATE PALMOLIVE CO</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>COLONIAL PROPERTIES TRUST</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5400</Sole>
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				<None>2500</None>
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		<infoTable>
			<nameOfIssuer>COLONIAL PROPERTIES TRUST</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>COMCAST CORP</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>COMCAST CORP</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>COMCAST CORP</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>COMCAST CORP</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6000</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>COMPUTER PROGRAMS AND SYS INC</nameOfIssuer>
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			<value>234</value>
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		<infoTable>
			<nameOfIssuer>CONAGRA FOODS INC</nameOfIssuer>
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			<value>924</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>15640</Sole>
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				<None>14800</None>
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		<infoTable>
			<nameOfIssuer>CONAGRA FOODS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
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				<Shared>1130</Shared>
				<None>1100</None>
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		<infoTable>
			<nameOfIssuer>CONOCO PHILLIPS</nameOfIssuer>
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			<cusip>20825C104</cusip>
			<value>3652</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>49783</Sole>
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				<None>2755</None>
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		<infoTable>
			<nameOfIssuer>CONOCO PHILLIPS</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>20825C104</cusip>
			<value>471</value>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>775</Sole>
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		<infoTable>
			<nameOfIssuer>CONOCO PHILLIPS</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>173</value>
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				<sshPrnamt>2485</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1623</Sole>
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				<None>92</None>
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		<infoTable>
			<nameOfIssuer>CORPORATE PROPERTY</nameOfIssuer>
			<titleOfClass>REIT</titleOfClass>
			<cusip>22003A108</cusip>
			<value>90</value>
			<shrsOrPrnAmt>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
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				<Shared>10371</Shared>
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		<infoTable>
			<nameOfIssuer>CROWN CASTLE INTL CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>228227104</cusip>
			<value>730</value>
			<shrsOrPrnAmt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>10000</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>CUMMINS INC</nameOfIssuer>
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			<value>433</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>DTE ENERGY CO</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4140</Sole>
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		<infoTable>
			<nameOfIssuer>DTE ENERGY CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>233331107</cusip>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2040</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>DANAHER CORP</nameOfIssuer>
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			<cusip>235851102</cusip>
			<value>11</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>152</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>DANAHER CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>235851102</cusip>
			<value>416</value>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1000</Sole>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>DANAHER CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>28</value>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
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				<None>400</None>
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		<infoTable>
			<nameOfIssuer>DARDEN RESTAURANTS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>237194105</cusip>
			<value>231</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4900</Sole>
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				<None>100</None>
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		<infoTable>
			<nameOfIssuer>DARDEN RESTAURANTS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>3300</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>DENBURY RES INC COM</nameOfIssuer>
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			<value>184</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>10000</Sole>
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		<infoTable>
			<nameOfIssuer>DEVON ENERGY CORP</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4356</Sole>
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				<None>320</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>DEVON ENERGY CORP</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>150</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WALT DISNEY COMPANY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>254687106</cusip>
			<value>2345</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>30160</Sole>
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				<None>6205</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WALT DISNEY COMPANY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>254687106</cusip>
			<value>967</value>
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				<sshPrnamt>15000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>3000</Sole>
				<Shared>12000</Shared>
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			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WALT DISNEY COMPANY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>254687106</cusip>
			<value>32</value>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>250</Sole>
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				<None>250</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DISCOVER FINANCIAL SERVICES</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>254709108</cusip>
			<value>1136</value>
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				<sshPrnamt>22471</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6691</Sole>
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				<None>15780</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DISCOVER FINANCIAL SERVICES</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>254709108</cusip>
			<value>8</value>
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				<sshPrnamt>167</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>167</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DREYFUS</nameOfIssuer>
			<titleOfClass>TAX EXEMPT</titleOfClass>
			<cusip>26202F107</cusip>
			<value>96</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12450</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>12450</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>E. I. DU PONT DE NEMOURS</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>263534109</cusip>
			<value>1670</value>
			<shrsOrPrnAmt>
				<sshPrnamt>28525</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>25800</Sole>
				<Shared>0</Shared>
				<None>2725</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>E. I. DU PONT DE NEMOURS</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>263534109</cusip>
			<value>198</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3380</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>3100</Sole>
				<Shared>0</Shared>
				<None>280</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>E. I. DU PONT DE NEMOURS</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>263534109</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>DUKE ENERGY CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>26441C204</cusip>
			<value>1428</value>
			<shrsOrPrnAmt>
				<sshPrnamt>21388</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>21155</Sole>
				<Shared>0</Shared>
				<None>233</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DUKE ENERGY CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>26441C204</cusip>
			<value>435</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6520</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1433</Sole>
				<Shared>4706</Shared>
				<None>381</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DUKE ENERGY CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>26441C204</cusip>
			<value>7</value>
			<shrsOrPrnAmt>
				<sshPrnamt>101</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>35</Sole>
				<Shared>0</Shared>
				<None>66</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EASTGROUP PPTY INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>277276101</cusip>
			<value>1715</value>
			<shrsOrPrnAmt>
				<sshPrnamt>28958</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>23618</Sole>
				<Shared>0</Shared>
				<None>5340</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EBAY INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>278642103</cusip>
			<value>2487</value>
			<shrsOrPrnAmt>
				<sshPrnamt>44575</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>28475</Sole>
				<Shared>0</Shared>
				<None>16100</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ECOLAB INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>278865100</cusip>
			<value>211</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2136</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2136</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EMERSON ELECTRIC CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>291011104</cusip>
			<value>490</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7570</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6230</Sole>
				<Shared>0</Shared>
				<None>1340</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EMERSON ELECTRIC CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>291011104</cusip>
			<value>388</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>600</Sole>
				<Shared>5400</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EMERSON ELECTRIC CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>291011104</cusip>
			<value>13</value>
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				<sshPrnamt>200</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>200</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ENERGY TRANSFER PARTNERS LP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>29273R109</cusip>
			<value>156</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2000</Sole>
				<Shared>0</Shared>
				<None>1000</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ENERGY TRANSFER PARTNERS LP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>29273R109</cusip>
			<value>18</value>
			<shrsOrPrnAmt>
				<sshPrnamt>340</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>340</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ENERGY TRANSFER PARTNERS LP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>29273R109</cusip>
			<value>147</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2825</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2825</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ENERGY TRANSFER EQUITY LP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>29273V100</cusip>
			<value>7</value>
			<shrsOrPrnAmt>
				<sshPrnamt>100</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>100</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ENERGY TRANSFER EQUITY LP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>29273V100</cusip>
			<value>22</value>
			<shrsOrPrnAmt>
				<sshPrnamt>340</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>340</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ENERGY TRANSFER EQUITY LP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>29273V100</cusip>
			<value>186</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2825</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2825</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ENTERGY CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>29364G103</cusip>
			<value>2539</value>
			<shrsOrPrnAmt>
				<sshPrnamt>40174</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>37349</Sole>
				<Shared>0</Shared>
				<None>2825</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ENTERGY CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>29364G103</cusip>
			<value>259</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4095</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>4095</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ENTERPRISE PRODUCTS PARTNERS</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>293792107</cusip>
			<value>375</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6150</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3950</Sole>
				<Shared>0</Shared>
				<None>2200</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ENTERPRISE PRODUCTS PARTNERS</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>293792107</cusip>
			<value>21</value>
			<shrsOrPrnAmt>
				<sshPrnamt>350</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>350</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ENTERPRISE PRODUCTS PARTNERS</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>293792107</cusip>
			<value>211</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3450</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>3450</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EXELON CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>30161N101</cusip>
			<value>201</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6794</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6579</Sole>
				<Shared>0</Shared>
				<None>215</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EXELON CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>30161N101</cusip>
			<value>9</value>
			<shrsOrPrnAmt>
				<sshPrnamt>310</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>310</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EXPEDIA INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>30212P303</cusip>
			<value>575</value>
			<shrsOrPrnAmt>
				<sshPrnamt>11100</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1400</Sole>
				<Shared>0</Shared>
				<None>9700</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EXPRESS SCRIPTS HOLDING INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>30219G108</cusip>
			<value>617</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9989</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>9184</Sole>
				<Shared>0</Shared>
				<None>805</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EXPRESS SCRIPTS HOLDING INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>30219G108</cusip>
			<value>8</value>
			<shrsOrPrnAmt>
				<sshPrnamt>125</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>125</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EXPRESS SCRIPTS HOLDING INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>30219G108</cusip>
			<value>80</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1302</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1283</Sole>
				<Shared>0</Shared>
				<None>19</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>30231G102</cusip>
			<value>10142</value>
			<shrsOrPrnAmt>
				<sshPrnamt>117876</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>103875</Sole>
				<Shared>450</Shared>
				<None>13551</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>30231G102</cusip>
			<value>2126</value>
			<shrsOrPrnAmt>
				<sshPrnamt>24713</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>11148</Sole>
				<Shared>12890</Shared>
				<None>675</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>30231G102</cusip>
			<value>2221</value>
			<shrsOrPrnAmt>
				<sshPrnamt>25809</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>22908</Sole>
				<Shared>751</Shared>
				<None>2150</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FEDEX CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>31428X106</cusip>
			<value>70</value>
			<shrsOrPrnAmt>
				<sshPrnamt>610</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>610</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FEDEX CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>31428X106</cusip>
			<value>285</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2500</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>500</Sole>
				<Shared>2000</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FIDELITY SPARTAN</nameOfIssuer>
			<titleOfClass>MUTUAL FUNDS EQUITY</titleOfClass>
			<cusip>315911206</cusip>
			<value>157</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2624</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2624</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FIDELITY SPARTAN</nameOfIssuer>
			<titleOfClass>MUTUAL FUNDS EQUITY</titleOfClass>
			<cusip>315911206</cusip>
			<value>56</value>
			<shrsOrPrnAmt>
				<sshPrnamt>942</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>942</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FIDELITY</nameOfIssuer>
			<titleOfClass>MUTUAL FUNDS EQUITY</titleOfClass>
			<cusip>316071109</cusip>
			<value>1525</value>
			<shrsOrPrnAmt>
				<sshPrnamt>16340</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>16340</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FIRST EAGLE</nameOfIssuer>
			<titleOfClass>MUTUAL FUNDS EQUITY</titleOfClass>
			<cusip>32008F606</cusip>
			<value>4420</value>
			<shrsOrPrnAmt>
				<sshPrnamt>82145</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>79974</Sole>
				<Shared>0</Shared>
				<None>2171</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FIRST EAGLE</nameOfIssuer>
			<titleOfClass>MUTUAL FUNDS EQUITY</titleOfClass>
			<cusip>32008F606</cusip>
			<value>92</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1701</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1701</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FIRST TRUST</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-FIXED IN</titleOfClass>
			<cusip>33738R100</cusip>
			<value>250</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12100</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>12100</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FIRST TRUST</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-FIXED IN</titleOfClass>
			<cusip>33738R100</cusip>
			<value>58</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2800</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2800</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FISERV INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>337738108</cusip>
			<value>411</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4070</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3890</Sole>
				<Shared>0</Shared>
				<None>180</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FISERV INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>337738108</cusip>
			<value>83</value>
			<shrsOrPrnAmt>
				<sshPrnamt>825</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>825</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FORD MOTOR CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>345370860</cusip>
			<value>897</value>
			<shrsOrPrnAmt>
				<sshPrnamt>53187</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>47587</Sole>
				<Shared>0</Shared>
				<None>5600</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FORD MOTOR CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>345370860</cusip>
			<value>121</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7143</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>7143</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FORD MOTOR CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>345370860</cusip>
			<value>46</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2700</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2700</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FREEPORT MCMORAN COPPER AND GOLD</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>35671D857</cusip>
			<value>20</value>
			<shrsOrPrnAmt>
				<sshPrnamt>596</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>596</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FREEPORT MCMORAN COPPER AND GOLD</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>35671D857</cusip>
			<value>530</value>
			<shrsOrPrnAmt>
				<sshPrnamt>16026</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>26</Sole>
				<Shared>16000</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GANNETT INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>364730101</cusip>
			<value>3128</value>
			<shrsOrPrnAmt>
				<sshPrnamt>116768</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>83323</Sole>
				<Shared>0</Shared>
				<None>33445</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GANNETT INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>364730101</cusip>
			<value>107</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3985</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1705</Sole>
				<Shared>2180</Shared>
				<None>100</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GAP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>364760108</cusip>
			<value>1570</value>
			<shrsOrPrnAmt>
				<sshPrnamt>38968</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>19808</Sole>
				<Shared>0</Shared>
				<None>19160</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GENERAL AMERICAN INVESTORS</nameOfIssuer>
			<titleOfClass>MUTUAL FUNDS EQUITY</titleOfClass>
			<cusip>368802104</cusip>
			<value>844</value>
			<shrsOrPrnAmt>
				<sshPrnamt>24710</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>24710</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>369550108</cusip>
			<value>256</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2925</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2500</Sole>
				<Shared>0</Shared>
				<None>425</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GENERAL ELECTRIC COMPANY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>369604103</cusip>
			<value>4684</value>
			<shrsOrPrnAmt>
				<sshPrnamt>196083</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>155190</Sole>
				<Shared>0</Shared>
				<None>40893</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GENERAL ELECTRIC COMPANY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>369604103</cusip>
			<value>712</value>
			<shrsOrPrnAmt>
				<sshPrnamt>29800</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>13600</Sole>
				<Shared>16200</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GENERAL ELECTRIC COMPANY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>369604103</cusip>
			<value>185</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7727</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>3419</Sole>
				<Shared>2708</Shared>
				<None>1600</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GENERAL MILLS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>370334104</cusip>
			<value>875</value>
			<shrsOrPrnAmt>
				<sshPrnamt>18270</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>17950</Sole>
				<Shared>0</Shared>
				<None>320</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GENERAL MILLS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>370334104</cusip>
			<value>166</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3460</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>3460</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>372460105</cusip>
			<value>1638</value>
			<shrsOrPrnAmt>
				<sshPrnamt>20250</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>20250</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>372460105</cusip>
			<value>210</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2602</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2602</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>375558103</cusip>
			<value>352</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5600</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4050</Sole>
				<Shared>0</Shared>
				<None>1550</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GOLDMAN SACHS</nameOfIssuer>
			<titleOfClass>INTERNATIONAL EQUITY FUNDS</titleOfClass>
			<cusip>38142V837</cusip>
			<value>4184</value>
			<shrsOrPrnAmt>
				<sshPrnamt>392096</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>392096</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GOLDMAN SACHS</nameOfIssuer>
			<titleOfClass>INTERNATIONAL EQUITY FUNDS</titleOfClass>
			<cusip>38142V837</cusip>
			<value>26</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2398</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>2398</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GOLDMAN SACHS</nameOfIssuer>
			<titleOfClass>INTERNATIONAL EQUITY FUNDS</titleOfClass>
			<cusip>38142V837</cusip>
			<value>40</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3730</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>77</Sole>
				<Shared>102</Shared>
				<None>3551</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GOOGLE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>38259P508</cusip>
			<value>437</value>
			<shrsOrPrnAmt>
				<sshPrnamt>499</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>344</Sole>
				<Shared>0</Shared>
				<None>155</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HCP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>40414L109</cusip>
			<value>1733</value>
			<shrsOrPrnAmt>
				<sshPrnamt>42326</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>27496</Sole>
				<Shared>0</Shared>
				<None>14830</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HCP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>40414L109</cusip>
			<value>41</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>1000</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HALLIBURTON COMPANY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>406216101</cusip>
			<value>163</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3390</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3390</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HALLIBURTON COMPANY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>406216101</cusip>
			<value>115</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2394</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>2394</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HANCOCK HLDG CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>410120109</cusip>
			<value>1779</value>
			<shrsOrPrnAmt>
				<sshPrnamt>56692</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>56692</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HARTFORD FINL SVCS GROUP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>416515104</cusip>
			<value>986</value>
			<shrsOrPrnAmt>
				<sshPrnamt>31677</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>31300</Sole>
				<Shared>0</Shared>
				<None>377</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HERSHEY COMPANY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>427866108</cusip>
			<value>69</value>
			<shrsOrPrnAmt>
				<sshPrnamt>750</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>750</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HERSHEY COMPANY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>427866108</cusip>
			<value>601</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6500</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>500</Sole>
				<Shared>6000</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HERSHEY COMPANY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>427866108</cusip>
			<value>9</value>
			<shrsOrPrnAmt>
				<sshPrnamt>95</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>95</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HESS CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>42809H107</cusip>
			<value>541</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6993</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6493</Sole>
				<Shared>0</Shared>
				<None>500</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HESS CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>42809H107</cusip>
			<value>93</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1200</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>600</Sole>
				<Shared>0</Shared>
				<None>600</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>437076102</cusip>
			<value>851</value>
			<shrsOrPrnAmt>
				<sshPrnamt>11217</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6597</Sole>
				<Shared>0</Shared>
				<None>4620</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>437076102</cusip>
			<value>830</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10947</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>2947</Sole>
				<Shared>8000</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>437076102</cusip>
			<value>33</value>
			<shrsOrPrnAmt>
				<sshPrnamt>440</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>305</Sole>
				<Shared>135</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HONEYWELL INTERNATIONAL</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>438516106</cusip>
			<value>347</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4178</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3978</Sole>
				<Shared>0</Shared>
				<None>200</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HONEYWELL INTERNATIONAL</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>438516106</cusip>
			<value>17</value>
			<shrsOrPrnAmt>
				<sshPrnamt>200</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>200</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>IQ HEDGE MULTI-STRATEGY</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-EQUITY</titleOfClass>
			<cusip>45409B107</cusip>
			<value>423</value>
			<shrsOrPrnAmt>
				<sshPrnamt>14789</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>14789</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>IQ HEDGE MULTI-STRATEGY</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-EQUITY</titleOfClass>
			<cusip>45409B107</cusip>
			<value>2</value>
			<shrsOrPrnAmt>
				<sshPrnamt>82</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>82</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTEL CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>458140100</cusip>
			<value>4056</value>
			<shrsOrPrnAmt>
				<sshPrnamt>176944</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>158354</Sole>
				<Shared>0</Shared>
				<None>18590</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTEL CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>458140100</cusip>
			<value>488</value>
			<shrsOrPrnAmt>
				<sshPrnamt>21300</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>11000</Sole>
				<Shared>10300</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTEL CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>458140100</cusip>
			<value>63</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2736</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>336</Sole>
				<Shared>2300</Shared>
				<None>100</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTEGRYS ENERGY GROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>45822P105</cusip>
			<value>797</value>
			<shrsOrPrnAmt>
				<sshPrnamt>14268</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>13398</Sole>
				<Shared>0</Shared>
				<None>870</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTEGRYS ENERGY GROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>45822P105</cusip>
			<value>25</value>
			<shrsOrPrnAmt>
				<sshPrnamt>445</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>445</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTL BUSINESS MACHINES CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>459200101</cusip>
			<value>2801</value>
			<shrsOrPrnAmt>
				<sshPrnamt>15126</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>10911</Sole>
				<Shared>0</Shared>
				<None>4215</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTL BUSINESS MACHINES CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>459200101</cusip>
			<value>788</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4258</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>4008</Sole>
				<Shared>250</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTL BUSINESS MACHINES CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>459200101</cusip>
			<value>842</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4545</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>4545</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTL PAPER CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>460146103</cusip>
			<value>1887</value>
			<shrsOrPrnAmt>
				<sshPrnamt>42115</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>23480</Sole>
				<Shared>0</Shared>
				<None>18635</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTL PAPER CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>460146103</cusip>
			<value>814</value>
			<shrsOrPrnAmt>
				<sshPrnamt>18166</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>18166</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTL PAPER CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>460146103</cusip>
			<value>371</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8280</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>6930</Sole>
				<Shared>1350</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS COMMODIT</titleOfClass>
			<cusip>464285105</cusip>
			<value>387</value>
			<shrsOrPrnAmt>
				<sshPrnamt>30016</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>27016</Sole>
				<Shared>0</Shared>
				<None>3000</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS COMMODIT</titleOfClass>
			<cusip>464285105</cusip>
			<value>2</value>
			<shrsOrPrnAmt>
				<sshPrnamt>135</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>135</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-INTERNAT</titleOfClass>
			<cusip>464286665</cusip>
			<value>591</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12396</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>12396</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-EQUITY</titleOfClass>
			<cusip>464287168</cusip>
			<value>23764</value>
			<shrsOrPrnAmt>
				<sshPrnamt>358214</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>323428</Sole>
				<Shared>0</Shared>
				<None>34786</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-EQUITY</titleOfClass>
			<cusip>464287168</cusip>
			<value>2253</value>
			<shrsOrPrnAmt>
				<sshPrnamt>33968</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>27330</Sole>
				<Shared>318</Shared>
				<None>6320</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-EQUITY</titleOfClass>
			<cusip>464287168</cusip>
			<value>1588</value>
			<shrsOrPrnAmt>
				<sshPrnamt>23937</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>23107</Sole>
				<Shared>830</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-FIXED IN</titleOfClass>
			<cusip>464287176</cusip>
			<value>669</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5941</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4756</Sole>
				<Shared>0</Shared>
				<None>1185</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-FIXED IN</titleOfClass>
			<cusip>464287176</cusip>
			<value>56</value>
			<shrsOrPrnAmt>
				<sshPrnamt>496</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>425</Sole>
				<Shared>71</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-EQUITY</titleOfClass>
			<cusip>464287200</cusip>
			<value>2058</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12187</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>12187</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-EQUITY</titleOfClass>
			<cusip>464287200</cusip>
			<value>40</value>
			<shrsOrPrnAmt>
				<sshPrnamt>238</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>75</Sole>
				<Shared>163</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-FIXED IN</titleOfClass>
			<cusip>464287226</cusip>
			<value>6631</value>
			<shrsOrPrnAmt>
				<sshPrnamt>61854</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>54090</Sole>
				<Shared>0</Shared>
				<None>7764</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-FIXED IN</titleOfClass>
			<cusip>464287226</cusip>
			<value>1146</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10690</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>9090</Sole>
				<Shared>0</Shared>
				<None>1600</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-FIXED IN</titleOfClass>
			<cusip>464287226</cusip>
			<value>594</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5538</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>5268</Sole>
				<Shared>270</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-EQUITY</titleOfClass>
			<cusip>464287234</cusip>
			<value>6503</value>
			<shrsOrPrnAmt>
				<sshPrnamt>159558</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>139293</Sole>
				<Shared>0</Shared>
				<None>20265</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-EQUITY</titleOfClass>
			<cusip>464287234</cusip>
			<value>530</value>
			<shrsOrPrnAmt>
				<sshPrnamt>13000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>3000</Sole>
				<Shared>10000</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-EQUITY</titleOfClass>
			<cusip>464287234</cusip>
			<value>122</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2986</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<sshPrnamt>11655</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>11655</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>JOHNSON CONTROLS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>478366107</cusip>
			<value>100</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2400</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2400</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>KKR &amp; CO LP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>48248M102</cusip>
			<value>27</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1290</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>300</Sole>
				<Shared>0</Shared>
				<None>990</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>KKR &amp; CO LP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>48248M102</cusip>
			<value>206</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>10000</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>KELLOGG CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>487836108</cusip>
			<value>953</value>
			<shrsOrPrnAmt>
				<sshPrnamt>16220</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>15720</Sole>
				<Shared>0</Shared>
				<None>500</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>KIMBERLY CLARK CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>494368103</cusip>
			<value>2597</value>
			<shrsOrPrnAmt>
				<sshPrnamt>27564</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>19459</Sole>
				<Shared>0</Shared>
				<None>8105</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>KIMBERLY CLARK CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>494368103</cusip>
			<value>708</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7512</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>7200</Sole>
				<Shared>312</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>KIMBERLY CLARK CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>494368103</cusip>
			<value>1608</value>
			<shrsOrPrnAmt>
				<sshPrnamt>17062</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>16602</Sole>
				<Shared>460</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>KINDER MORGAN ENERGY PARTNER</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>494550106</cusip>
			<value>819</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10257</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>9157</Sole>
				<Shared>0</Shared>
				<None>1100</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>KINDER MORGAN ENERGY PARTNER</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>494550106</cusip>
			<value>38</value>
			<shrsOrPrnAmt>
				<sshPrnamt>481</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>481</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>KINDER MORGAN ENERGY PARTNER</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>494550106</cusip>
			<value>139</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1737</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1737</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>KRAFT FOODS GROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>50076Q106</cusip>
			<value>683</value>
			<shrsOrPrnAmt>
				<sshPrnamt>13007</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>12725</Sole>
				<Shared>0</Shared>
				<None>282</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>KRAFT FOODS GROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>50076Q106</cusip>
			<value>224</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4266</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1600</Sole>
				<Shared>2666</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>KRAFT FOODS GROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>50076Q106</cusip>
			<value>6</value>
			<shrsOrPrnAmt>
				<sshPrnamt>111</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>111</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LEGGETT &amp; PLATT INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>524660107</cusip>
			<value>284</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9430</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>9030</Sole>
				<Shared>0</Shared>
				<None>400</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LEGGETT &amp; PLATT INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>524660107</cusip>
			<value>62</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2050</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>2050</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ELI LILLY &amp; CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>532457108</cusip>
			<value>944</value>
			<shrsOrPrnAmt>
				<sshPrnamt>18750</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>17330</Sole>
				<Shared>0</Shared>
				<None>1420</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ELI LILLY &amp; CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>532457108</cusip>
			<value>64</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1275</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>150</Sole>
				<Shared>1025</Shared>
				<None>100</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>539830109</cusip>
			<value>1700</value>
			<shrsOrPrnAmt>
				<sshPrnamt>13327</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>8367</Sole>
				<Shared>0</Shared>
				<None>4960</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>539830109</cusip>
			<value>75</value>
			<shrsOrPrnAmt>
				<sshPrnamt>590</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>120</Sole>
				<Shared>470</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LOWE&apos;S COMPANIES, INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>548661107</cusip>
			<value>675</value>
			<shrsOrPrnAmt>
				<sshPrnamt>14170</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>14170</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LOWE&apos;S COMPANIES, INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>548661107</cusip>
			<value>14</value>
			<shrsOrPrnAmt>
				<sshPrnamt>300</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>300</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MFS</nameOfIssuer>
			<titleOfClass>MUTUAL FUNDS - FIXED INCOME</titleOfClass>
			<cusip>55273C107</cusip>
			<value>80</value>
			<shrsOrPrnAmt>
				<sshPrnamt>15000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>15000</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MAGELLAN MIDSTREAM PARTNERS</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>559080106</cusip>
			<value>234</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4150</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4000</Sole>
				<Shared>0</Shared>
				<None>150</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MAGELLAN MIDSTREAM PARTNERS</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>559080106</cusip>
			<value>28</value>
			<shrsOrPrnAmt>
				<sshPrnamt>500</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>500</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MAGELLAN MIDSTREAM PARTNERS</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>559080106</cusip>
			<value>254</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4500</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>4500</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MANULIFE FINANCIAL CORP</nameOfIssuer>
			<titleOfClass>FOREIGN STOCK</titleOfClass>
			<cusip>56501R106</cusip>
			<value>226</value>
			<shrsOrPrnAmt>
				<sshPrnamt>13628</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>13628</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MARKET VECTORS</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS COMMODIT</titleOfClass>
			<cusip>57060U605</cusip>
			<value>32</value>
			<shrsOrPrnAmt>
				<sshPrnamt>625</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>625</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MARKET VECTORS</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS COMMODIT</titleOfClass>
			<cusip>57060U605</cusip>
			<value>667</value>
			<shrsOrPrnAmt>
				<sshPrnamt>13000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1000</Sole>
				<Shared>12000</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MARKET VECTORS</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-FIXED IN</titleOfClass>
			<cusip>57060U803</cusip>
			<value>206</value>
			<shrsOrPrnAmt>
				<sshPrnamt>11770</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>11770</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MARKET VECTORS</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-FIXED IN</titleOfClass>
			<cusip>57060U878</cusip>
			<value>432</value>
			<shrsOrPrnAmt>
				<sshPrnamt>14780</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>8070</Sole>
				<Shared>0</Shared>
				<None>6710</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MARKWEST ENERGY PARTNERS L P</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>570759100</cusip>
			<value>397</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5500</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3500</Sole>
				<Shared>0</Shared>
				<None>2000</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MARKWEST ENERGY PARTNERS L P</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>570759100</cusip>
			<value>141</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1950</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1950</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MASTERCARD INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>57636Q104</cusip>
			<value>1921</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2855</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2830</Sole>
				<Shared>0</Shared>
				<None>25</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MATTEL INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>577081102</cusip>
			<value>1795</value>
			<shrsOrPrnAmt>
				<sshPrnamt>42850</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>42850</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MATTEL INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>577081102</cusip>
			<value>73</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1750</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>1750</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>580135101</cusip>
			<value>2558</value>
			<shrsOrPrnAmt>
				<sshPrnamt>26585</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>24325</Sole>
				<Shared>0</Shared>
				<None>2260</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>580135101</cusip>
			<value>657</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6825</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1725</Sole>
				<Shared>5100</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>580135101</cusip>
			<value>5</value>
			<shrsOrPrnAmt>
				<sshPrnamt>50</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>50</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MCKESSON CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>58155Q103</cusip>
			<value>1404</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10945</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4635</Sole>
				<Shared>0</Shared>
				<None>6310</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MEDTRONIC INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>585055106</cusip>
			<value>438</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8225</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6350</Sole>
				<Shared>0</Shared>
				<None>1875</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MEDTRONIC INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>585055106</cusip>
			<value>5</value>
			<shrsOrPrnAmt>
				<sshPrnamt>100</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>100</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>58933Y105</cusip>
			<value>2189</value>
			<shrsOrPrnAmt>
				<sshPrnamt>45984</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>42484</Sole>
				<Shared>0</Shared>
				<None>3500</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>58933Y105</cusip>
			<value>748</value>
			<shrsOrPrnAmt>
				<sshPrnamt>15713</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>15563</Sole>
				<Shared>150</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>58933Y105</cusip>
			<value>171</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3600</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2500</Sole>
				<Shared>1000</Shared>
				<None>100</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>METLIFE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>59156R108</cusip>
			<value>74</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1584</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1390</Sole>
				<Shared>0</Shared>
				<None>194</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>METLIFE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>59156R108</cusip>
			<value>42</value>
			<shrsOrPrnAmt>
				<sshPrnamt>891</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>891</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>METLIFE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>59156R108</cusip>
			<value>117</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2500</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>2500</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>594918104</cusip>
			<value>3209</value>
			<shrsOrPrnAmt>
				<sshPrnamt>96437</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>78137</Sole>
				<Shared>0</Shared>
				<None>18300</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>594918104</cusip>
			<value>424</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12751</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>12051</Sole>
				<Shared>700</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>594918104</cusip>
			<value>45</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1342</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>272</Sole>
				<Shared>920</Shared>
				<None>150</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MICROCHIP TECHNOLOGY INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>595017104</cusip>
			<value>1236</value>
			<shrsOrPrnAmt>
				<sshPrnamt>30670</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>30670</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MONDELEZ INTERNATIONAL INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>609207105</cusip>
			<value>1236</value>
			<shrsOrPrnAmt>
				<sshPrnamt>39324</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>38474</Sole>
				<Shared>0</Shared>
				<None>850</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MONDELEZ INTERNATIONAL INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>609207105</cusip>
			<value>251</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>8000</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MONDELEZ INTERNATIONAL INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>609207105</cusip>
			<value>18</value>
			<shrsOrPrnAmt>
				<sshPrnamt>588</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>250</Sole>
				<Shared>0</Shared>
				<None>338</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MORGAN STANLEY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>617446448</cusip>
			<value>334</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12404</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>12404</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MORGAN STANLEY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>617446448</cusip>
			<value>19</value>
			<shrsOrPrnAmt>
				<sshPrnamt>695</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>695</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MOSAIC CO/THE</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>61945C103</cusip>
			<value>557</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12945</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>12445</Sole>
				<Shared>0</Shared>
				<None>500</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MOSAIC CO/THE</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>61945C103</cusip>
			<value>8</value>
			<shrsOrPrnAmt>
				<sshPrnamt>175</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>175</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MYLAN, INC.</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>628530107</cusip>
			<value>298</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7800</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>7200</Sole>
				<Shared>0</Shared>
				<None>600</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NATIONAL OILWELL VARCO INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>637071101</cusip>
			<value>1075</value>
			<shrsOrPrnAmt>
				<sshPrnamt>13765</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>12515</Sole>
				<Shared>0</Shared>
				<None>1250</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NETAPP, INC.</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>64110D104</cusip>
			<value>77</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1800</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>1800</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NETAPP, INC.</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>64110D104</cusip>
			<value>341</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>8000</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>65339F101</cusip>
			<value>962</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12005</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>11515</Sole>
				<Shared>0</Shared>
				<None>490</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>65339F101</cusip>
			<value>50</value>
			<shrsOrPrnAmt>
				<sshPrnamt>620</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>420</Shared>
				<None>200</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>65339F101</cusip>
			<value>32</value>
			<shrsOrPrnAmt>
				<sshPrnamt>400</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>400</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NIKE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>654106103</cusip>
			<value>219</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3020</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1370</Sole>
				<Shared>0</Shared>
				<None>1650</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NIKE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>654106103</cusip>
			<value>44</value>
			<shrsOrPrnAmt>
				<sshPrnamt>600</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>600</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NORFOLK SOUTHERN CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>655844108</cusip>
			<value>510</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6597</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5632</Sole>
				<Shared>0</Shared>
				<None>965</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NORFOLK SOUTHERN CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>655844108</cusip>
			<value>232</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>3000</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NORFOLK SOUTHERN CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>655844108</cusip>
			<value>132</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1710</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1710</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NORTHEAST UTILS</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>664397106</cusip>
			<value>244</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5904</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5380</Sole>
				<Shared>0</Shared>
				<None>524</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NORTHERN TRUST CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>665859104</cusip>
			<value>661</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12160</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>11610</Sole>
				<Shared>0</Shared>
				<None>550</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NORTHERN TRUST CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>665859104</cusip>
			<value>16</value>
			<shrsOrPrnAmt>
				<sshPrnamt>300</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>300</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NOVARTIS A G</nameOfIssuer>
			<titleOfClass>ADRS</titleOfClass>
			<cusip>66987V109</cusip>
			<value>202</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2635</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2315</Sole>
				<Shared>0</Shared>
				<None>320</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NOVARTIS A G</nameOfIssuer>
			<titleOfClass>ADRS</titleOfClass>
			<cusip>66987V109</cusip>
			<value>253</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3300</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>3300</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NOVARTIS A G</nameOfIssuer>
			<titleOfClass>ADRS</titleOfClass>
			<cusip>66987V109</cusip>
			<value>31</value>
			<shrsOrPrnAmt>
				<sshPrnamt>400</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>400</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NUCOR CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>670346105</cusip>
			<value>616</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12560</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>11810</Sole>
				<Shared>0</Shared>
				<None>750</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NUCOR CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>670346105</cusip>
			<value>784</value>
			<shrsOrPrnAmt>
				<sshPrnamt>16000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>16000</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NUVEEN</nameOfIssuer>
			<titleOfClass>TAX EXEMPT</titleOfClass>
			<cusip>67062N103</cusip>
			<value>571</value>
			<shrsOrPrnAmt>
				<sshPrnamt>46392</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>46392</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NUVEEN</nameOfIssuer>
			<titleOfClass>TAX EXEMPT</titleOfClass>
			<cusip>670928100</cusip>
			<value>150</value>
			<shrsOrPrnAmt>
				<sshPrnamt>16400</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>16400</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NUVEEN</nameOfIssuer>
			<titleOfClass>TAX EXEMPT</titleOfClass>
			<cusip>670928100</cusip>
			<value>59</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6500</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>6500</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NUVEEN</nameOfIssuer>
			<titleOfClass>TAX EXEMPT</titleOfClass>
			<cusip>670928100</cusip>
			<value>7</value>
			<shrsOrPrnAmt>
				<sshPrnamt>750</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>750</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>OCCIDENTAL PETROLEUM CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>674599105</cusip>
			<value>1818</value>
			<shrsOrPrnAmt>
				<sshPrnamt>19440</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>12390</Sole>
				<Shared>0</Shared>
				<None>7050</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>OCCIDENTAL PETROLEUM CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>674599105</cusip>
			<value>84</value>
			<shrsOrPrnAmt>
				<sshPrnamt>900</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>900</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ORACLE CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>68389X105</cusip>
			<value>1514</value>
			<shrsOrPrnAmt>
				<sshPrnamt>45655</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>43205</Sole>
				<Shared>0</Shared>
				<None>2450</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ORACLE CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>68389X105</cusip>
			<value>13</value>
			<shrsOrPrnAmt>
				<sshPrnamt>400</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>400</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PIMCO</nameOfIssuer>
			<titleOfClass>MUTUAL FUNDS EQUITY</titleOfClass>
			<cusip>693391104</cusip>
			<value>935</value>
			<shrsOrPrnAmt>
				<sshPrnamt>82707</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>82707</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PIMCO</nameOfIssuer>
			<titleOfClass>MUTUAL FUNDS EQUITY</titleOfClass>
			<cusip>693391104</cusip>
			<value>12</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1086</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>1086</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PPG IND INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>693506107</cusip>
			<value>836</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5005</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5005</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PPG IND INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>693506107</cusip>
			<value>10</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>PARDEE RESOURCES CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>699437109</cusip>
			<value>888</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4128</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>4128</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PARKWAY PROPERTIES INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>70159Q104</cusip>
			<value>731</value>
			<shrsOrPrnAmt>
				<sshPrnamt>41148</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>32004</Sole>
				<Shared>0</Shared>
				<None>9144</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PARKWAY PROPERTIES INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>70159Q104</cusip>
			<value>75</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4207</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>207</Sole>
				<Shared>0</Shared>
				<None>4000</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PAYCHEX INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>704326107</cusip>
			<value>870</value>
			<shrsOrPrnAmt>
				<sshPrnamt>21415</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>19040</Sole>
				<Shared>0</Shared>
				<None>2375</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PAYCHEX INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>704326107</cusip>
			<value>163</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>4000</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PAYCHEX INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>704326107</cusip>
			<value>66</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1615</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>215</Sole>
				<Shared>1400</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PEPSICO INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>713448108</cusip>
			<value>3548</value>
			<shrsOrPrnAmt>
				<sshPrnamt>44628</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>43138</Sole>
				<Shared>0</Shared>
				<None>1490</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PEPSICO INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>713448108</cusip>
			<value>312</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3925</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>3925</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PEPSICO INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>713448108</cusip>
			<value>120</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1507</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>507</Sole>
				<Shared>0</Shared>
				<None>1000</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PFIZER INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>717081103</cusip>
			<value>3383</value>
			<shrsOrPrnAmt>
				<sshPrnamt>117780</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>90315</Sole>
				<Shared>0</Shared>
				<None>27465</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PFIZER INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>717081103</cusip>
			<value>2098</value>
			<shrsOrPrnAmt>
				<sshPrnamt>73044</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>70850</Sole>
				<Shared>2194</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PFIZER INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>717081103</cusip>
			<value>165</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5760</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1590</Sole>
				<Shared>2670</Shared>
				<None>1500</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PHILIP MORRIS INTERNATIONAL INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>718172109</cusip>
			<value>257</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2969</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2219</Sole>
				<Shared>0</Shared>
				<None>750</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PHILIP MORRIS INTERNATIONAL INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>718172109</cusip>
			<value>104</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1205</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>1205</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PHILIP MORRIS INTERNATIONAL INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>718172109</cusip>
			<value>45</value>
			<shrsOrPrnAmt>
				<sshPrnamt>520</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>320</Sole>
				<Shared>0</Shared>
				<None>200</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PHILLIPS 66</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>718546104</cusip>
			<value>642</value>
			<shrsOrPrnAmt>
				<sshPrnamt>11105</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>10483</Sole>
				<Shared>0</Shared>
				<None>622</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PHILLIPS 66</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>718546104</cusip>
			<value>126</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2175</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>175</Sole>
				<Shared>2000</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PHILLIPS 66</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>718546104</cusip>
			<value>17</value>
			<shrsOrPrnAmt>
				<sshPrnamt>300</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>254</Sole>
				<Shared>0</Shared>
				<None>46</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PIMCO</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-FIXED IN</titleOfClass>
			<cusip>72201R833</cusip>
			<value>816</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8050</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5050</Sole>
				<Shared>0</Shared>
				<None>3000</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PIMCO</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-FIXED IN</titleOfClass>
			<cusip>72201R833</cusip>
			<value>862</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8500</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6700</Sole>
				<Shared>0</Shared>
				<None>1800</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PLAINS ALL AMERN PIPELINE LP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>726503105</cusip>
			<value>16</value>
			<shrsOrPrnAmt>
				<sshPrnamt>300</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>300</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PLAINS ALL AMERN PIPELINE LP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>726503105</cusip>
			<value>21</value>
			<shrsOrPrnAmt>
				<sshPrnamt>400</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>400</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PLAINS ALL AMERN PIPELINE LP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>726503105</cusip>
			<value>197</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3750</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>3750</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PLUM CREEK TIMBER CO INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>729251108</cusip>
			<value>67</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1439</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>539</Sole>
				<Shared>0</Shared>
				<None>900</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PLUM CREEK TIMBER CO INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>729251108</cusip>
			<value>328</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>7000</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PLUM CREEK TIMBER CO INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>729251108</cusip>
			<value>35</value>
			<shrsOrPrnAmt>
				<sshPrnamt>750</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>750</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>POWERSHARES QQQ</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED</titleOfClass>
			<cusip>73935A104</cusip>
			<value>174</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2200</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2200</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>POWERSHARES QQQ</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-EQUITY</titleOfClass>
			<cusip>73935A104</cusip>
			<value>158</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>2000</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>POWERSHARES ETF</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-INTERNAT</titleOfClass>
			<cusip>73935X195</cusip>
			<value>199</value>
			<shrsOrPrnAmt>
				<sshPrnamt>17330</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>13830</Sole>
				<Shared>0</Shared>
				<None>3500</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>POWERSHARES</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-FIXED IN</titleOfClass>
			<cusip>73936Q769</cusip>
			<value>425</value>
			<shrsOrPrnAmt>
				<sshPrnamt>17230</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>16230</Sole>
				<Shared>0</Shared>
				<None>1000</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>POWERSHARES</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-FIXED IN</titleOfClass>
			<cusip>73936Q769</cusip>
			<value>49</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2000</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>POWERSHARES</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-FIXED IN</titleOfClass>
			<cusip>73937B407</cusip>
			<value>785</value>
			<shrsOrPrnAmt>
				<sshPrnamt>28763</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>26863</Sole>
				<Shared>0</Shared>
				<None>1900</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PRAXAIR INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>74005P104</cusip>
			<value>639</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5315</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4310</Sole>
				<Shared>0</Shared>
				<None>1005</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PRAXAIR INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>74005P104</cusip>
			<value>24</value>
			<shrsOrPrnAmt>
				<sshPrnamt>200</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>200</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PRAXAIR INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>74005P104</cusip>
			<value>24</value>
			<shrsOrPrnAmt>
				<sshPrnamt>200</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>200</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>T ROWE PRICE GROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>74144T108</cusip>
			<value>302</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4200</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4200</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>T ROWE PRICE GROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>74144T108</cusip>
			<value>108</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1500</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1500</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PROCTER AND GAMBLE CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>742718109</cusip>
			<value>4596</value>
			<shrsOrPrnAmt>
				<sshPrnamt>60804</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>58440</Sole>
				<Shared>0</Shared>
				<None>2364</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PROCTER AND GAMBLE CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>742718109</cusip>
			<value>1057</value>
			<shrsOrPrnAmt>
				<sshPrnamt>13980</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>4980</Sole>
				<Shared>9000</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PROCTER AND GAMBLE CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>742718109</cusip>
			<value>3116</value>
			<shrsOrPrnAmt>
				<sshPrnamt>41216</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>39506</Sole>
				<Shared>710</Shared>
				<None>1000</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PROSHARES</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-EQUITY</titleOfClass>
			<cusip>74347R248</cusip>
			<value>302</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3800</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>3800</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PROSHARES</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-FIXED IN</titleOfClass>
			<cusip>74347X849</cusip>
			<value>400</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12500</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>12500</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PROSPECT CAPITAL CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>74348T102</cusip>
			<value>17857</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1598692</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1598692</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PROTECTIVE LIFE</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>743674103</cusip>
			<value>64</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1500</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1500</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PROTECTIVE LIFE</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>743674103</cusip>
			<value>170</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>4000</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PRUDENTIAL FINANCIAL INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>744320102</cusip>
			<value>348</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4457</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4457</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PUBLIC STORAGE</nameOfIssuer>
			<titleOfClass>REIT</titleOfClass>
			<cusip>74460D109</cusip>
			<value>1283</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7990</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>7500</Sole>
				<Shared>0</Shared>
				<None>490</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PUBLIC STORAGE</nameOfIssuer>
			<titleOfClass>REIT</titleOfClass>
			<cusip>74460D109</cusip>
			<value>53</value>
			<shrsOrPrnAmt>
				<sshPrnamt>330</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>330</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>QUALCOMM INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>747525103</cusip>
			<value>1555</value>
			<shrsOrPrnAmt>
				<sshPrnamt>23100</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>21775</Sole>
				<Shared>0</Shared>
				<None>1325</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>QUALCOMM INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>747525103</cusip>
			<value>30</value>
			<shrsOrPrnAmt>
				<sshPrnamt>450</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>350</Sole>
				<Shared>100</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>QUEST DIAGNOSTICS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>74834L100</cusip>
			<value>247</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>4000</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>RANGE RESOURCES CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>75281A109</cusip>
			<value>304</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3000</Sole>
				<Shared>0</Shared>
				<None>1000</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>RAYONIER INC  (REIT)</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>754907103</cusip>
			<value>35</value>
			<shrsOrPrnAmt>
				<sshPrnamt>630</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>630</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>RAYONIER INC  (REIT)</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>754907103</cusip>
			<value>835</value>
			<shrsOrPrnAmt>
				<sshPrnamt>15000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>15000</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>RAYTHEON CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>755111507</cusip>
			<value>215</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2795</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2175</Sole>
				<Shared>0</Shared>
				<None>620</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>RAYTHEON CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>755111507</cusip>
			<value>308</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>4000</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>RAYTHEON CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>755111507</cusip>
			<value>49</value>
			<shrsOrPrnAmt>
				<sshPrnamt>638</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>138</Sole>
				<Shared>0</Shared>
				<None>500</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>REGIONS FINANCIAL CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>7591EP100</cusip>
			<value>1575</value>
			<shrsOrPrnAmt>
				<sshPrnamt>170121</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>170121</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>REGIONS FINANCIAL CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>7591EP100</cusip>
			<value>155</value>
			<shrsOrPrnAmt>
				<sshPrnamt>16752</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>16752</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>REGIONS FINANCIAL CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>7591EP100</cusip>
			<value>46</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4971</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>4971</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>RIDGEWORTH</nameOfIssuer>
			<titleOfClass>MUTUAL FUNDS EQUITY</titleOfClass>
			<cusip>76628R474</cusip>
			<value>3958</value>
			<shrsOrPrnAmt>
				<sshPrnamt>232437</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>219535</Sole>
				<Shared>285</Shared>
				<None>12617</None>
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		<infoTable>
			<nameOfIssuer>RIDGEWORTH</nameOfIssuer>
			<titleOfClass>MUTUAL FUNDS EQUITY</titleOfClass>
			<cusip>76628R474</cusip>
			<value>1039</value>
			<shrsOrPrnAmt>
				<sshPrnamt>60999</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>47541</Sole>
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				<None>13458</None>
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		<infoTable>
			<nameOfIssuer>RIDGEWORTH</nameOfIssuer>
			<titleOfClass>MUTUAL FUNDS EQUITY</titleOfClass>
			<cusip>76628R474</cusip>
			<value>64</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3778</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>3286</Sole>
				<Shared>0</Shared>
				<None>492</None>
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		<infoTable>
			<nameOfIssuer>ROSS STORES INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>778296103</cusip>
			<value>1733</value>
			<shrsOrPrnAmt>
				<sshPrnamt>23800</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>22800</Sole>
				<Shared>0</Shared>
				<None>1000</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>ROYAL DUTCH SHELL PLC - ADR</nameOfIssuer>
			<titleOfClass>ADRS</titleOfClass>
			<cusip>780259206</cusip>
			<value>219</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3335</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3335</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ROYAL DUTCH SHELL PLC - ADR</nameOfIssuer>
			<titleOfClass>ADRS</titleOfClass>
			<cusip>780259206</cusip>
			<value>13</value>
			<shrsOrPrnAmt>
				<sshPrnamt>200</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>200</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>ROYAL DUTCH SHELL PLC - ADR</nameOfIssuer>
			<titleOfClass>ADRS</titleOfClass>
			<cusip>780259206</cusip>
			<value>20</value>
			<shrsOrPrnAmt>
				<sshPrnamt>300</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>300</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR S&amp;P 500 ETF TRUST</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-EQUITY</titleOfClass>
			<cusip>78462F103</cusip>
			<value>4407</value>
			<shrsOrPrnAmt>
				<sshPrnamt>26229</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>19729</Sole>
				<Shared>0</Shared>
				<None>6500</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>SPDR S&amp;P 500 ETF TRUST</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-EQUITY</titleOfClass>
			<cusip>78462F103</cusip>
			<value>371</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2210</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2210</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>SPDR</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS COMMODIT</titleOfClass>
			<cusip>78463V107</cusip>
			<value>827</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6450</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4650</Sole>
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				<None>1800</None>
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		<infoTable>
			<nameOfIssuer>SPDR</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS COMMODIT</titleOfClass>
			<cusip>78463V107</cusip>
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			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>2500</Sole>
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				<None>791</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>SPDR</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS COMMODIT</titleOfClass>
			<cusip>78463V107</cusip>
			<value>127</value>
			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>812</Sole>
				<Shared>175</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>SPDR</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-FIXED IN</titleOfClass>
			<cusip>78464A417</cusip>
			<value>438</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10993</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>10993</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>SPDR</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-FIXED IN</titleOfClass>
			<cusip>78464A425</cusip>
			<value>235</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9700</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>9700</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-FIXED IN</titleOfClass>
			<cusip>78464A425</cusip>
			<value>242</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>10000</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>SPDR</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-EQUITY</titleOfClass>
			<cusip>78464A763</cusip>
			<value>226</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3280</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3040</Sole>
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				<None>240</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-EQUITY</titleOfClass>
			<cusip>78464A763</cusip>
			<value>21</value>
			<shrsOrPrnAmt>
				<sshPrnamt>306</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>306</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TRUST</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-EQUITY</titleOfClass>
			<cusip>78467Y107</cusip>
			<value>8627</value>
			<shrsOrPrnAmt>
				<sshPrnamt>38116</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>37616</Sole>
				<Shared>0</Shared>
				<None>500</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TRUST</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-EQUITY</titleOfClass>
			<cusip>78467Y107</cusip>
			<value>389</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1720</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1720</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR BARCLAYS</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-FIXED IN</titleOfClass>
			<cusip>78468R408</cusip>
			<value>625</value>
			<shrsOrPrnAmt>
				<sshPrnamt>20480</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>19680</Sole>
				<Shared>0</Shared>
				<None>800</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR BARCLAYS</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-FIXED IN</titleOfClass>
			<cusip>78468R408</cusip>
			<value>54</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1780</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1780</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SAFEWAY INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>786514208</cusip>
			<value>2721</value>
			<shrsOrPrnAmt>
				<sshPrnamt>85070</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>62270</Sole>
				<Shared>0</Shared>
				<None>22800</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SAFEWAY INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>786514208</cusip>
			<value>99</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3109</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>3109</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>THE ST JOE COMPANY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>790148100</cusip>
			<value>292</value>
			<shrsOrPrnAmt>
				<sshPrnamt>14889</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>14889</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SAP AG-SPONSORED ADR SPONSORED</nameOfIssuer>
			<titleOfClass>ADRS</titleOfClass>
			<cusip>803054204</cusip>
			<value>821</value>
			<shrsOrPrnAmt>
				<sshPrnamt>11110</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>11110</Sole>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>SCANA CORP NEW</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>80589M102</cusip>
			<value>269</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5849</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5849</Sole>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>SCANA CORP NEW</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>80589M102</cusip>
			<value>92</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>2000</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>806857108</cusip>
			<value>1832</value>
			<shrsOrPrnAmt>
				<sshPrnamt>20737</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>18995</Sole>
				<Shared>0</Shared>
				<None>1742</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>806857108</cusip>
			<value>530</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>6000</Shared>
				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>806857108</cusip>
			<value>353</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>4000</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SCOUT</nameOfIssuer>
			<titleOfClass>MUTUAL FUNDS EQUITY</titleOfClass>
			<cusip>81063U503</cusip>
			<value>132</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3669</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>3669</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>SCOUT</nameOfIssuer>
			<titleOfClass>MUTUAL FUNDS EQUITY</titleOfClass>
			<cusip>81063U503</cusip>
			<value>161</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4498</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>4498</Sole>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>MATERIALS SELECT SECTOR SPDR</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-EQUITY</titleOfClass>
			<cusip>81369Y100</cusip>
			<value>279</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6650</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2050</Sole>
				<Shared>0</Shared>
				<None>4600</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>SHIRE PLC</nameOfIssuer>
			<titleOfClass>ADRS</titleOfClass>
			<cusip>82481R106</cusip>
			<value>480</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>4000</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SIRIUS XM RADIO INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>82967N108</cusip>
			<value>84</value>
			<shrsOrPrnAmt>
				<sshPrnamt>21685</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>21685</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SMURFIT-STONE CONTAINER CP ESC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>832ESC990</cusip>
			<value>12</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12405</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>12405</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SNAP ON INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>833034101</cusip>
			<value>2203</value>
			<shrsOrPrnAmt>
				<sshPrnamt>22140</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>14090</Sole>
				<Shared>0</Shared>
				<None>8050</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SOUTHERN CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>842587107</cusip>
			<value>4536</value>
			<shrsOrPrnAmt>
				<sshPrnamt>110162</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>107997</Sole>
				<Shared>440</Shared>
				<None>1725</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SOUTHERN CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>842587107</cusip>
			<value>594</value>
			<shrsOrPrnAmt>
				<sshPrnamt>14416</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>4446</Sole>
				<Shared>9700</Shared>
				<None>270</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SOUTHERN CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>842587107</cusip>
			<value>350</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8500</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>7400</Sole>
				<Shared>0</Shared>
				<None>1100</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SOUTHWEST AIRLINES CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>844741108</cusip>
			<value>324</value>
			<shrsOrPrnAmt>
				<sshPrnamt>22251</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>22251</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SOUTHWEST AIRLINES CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>844741108</cusip>
			<value>59</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4030</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>4030</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPECTRA ENERGY CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>847560109</cusip>
			<value>1576</value>
			<shrsOrPrnAmt>
				<sshPrnamt>46046</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>44921</Sole>
				<Shared>0</Shared>
				<None>1125</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPECTRA ENERGY CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>847560109</cusip>
			<value>834</value>
			<shrsOrPrnAmt>
				<sshPrnamt>24350</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>9350</Sole>
				<Shared>15000</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>STERICYCLE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>858912108</cusip>
			<value>462</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>4000</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SYSCO CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>871829107</cusip>
			<value>2201</value>
			<shrsOrPrnAmt>
				<sshPrnamt>69140</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>64708</Sole>
				<Shared>0</Shared>
				<None>4432</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SYSCO CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>871829107</cusip>
			<value>76</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2390</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1890</Sole>
				<Shared>500</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SYSCO CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>871829107</cusip>
			<value>41</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1273</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1273</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TECO ENERGY INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>872375100</cusip>
			<value>478</value>
			<shrsOrPrnAmt>
				<sshPrnamt>28919</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>27419</Sole>
				<Shared>0</Shared>
				<None>1500</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TECO ENERGY INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>872375100</cusip>
			<value>110</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6670</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1470</Sole>
				<Shared>0</Shared>
				<None>5200</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TJX COMPANIES</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>872540109</cusip>
			<value>764</value>
			<shrsOrPrnAmt>
				<sshPrnamt>13550</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>13150</Sole>
				<Shared>0</Shared>
				<None>400</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TJX COMPANIES</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>872540109</cusip>
			<value>23</value>
			<shrsOrPrnAmt>
				<sshPrnamt>400</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>400</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TARGET CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>87612E106</cusip>
			<value>1597</value>
			<shrsOrPrnAmt>
				<sshPrnamt>24965</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>23815</Sole>
				<Shared>0</Shared>
				<None>1150</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TARGET CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>87612E106</cusip>
			<value>202</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3150</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>3150</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>883556102</cusip>
			<value>1042</value>
			<shrsOrPrnAmt>
				<sshPrnamt>11308</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>10858</Sole>
				<Shared>0</Shared>
				<None>450</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>883556102</cusip>
			<value>18</value>
			<shrsOrPrnAmt>
				<sshPrnamt>200</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>200</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>3M CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>88579Y101</cusip>
			<value>1354</value>
			<shrsOrPrnAmt>
				<sshPrnamt>11335</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>11035</Sole>
				<Shared>0</Shared>
				<None>300</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>3M CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>88579Y101</cusip>
			<value>592</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4959</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>959</Sole>
				<Shared>4000</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>3M CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>88579Y101</cusip>
			<value>129</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1077</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>77</Sole>
				<Shared>0</Shared>
				<None>1000</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TORCHMARK CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>891027104</cusip>
			<value>320</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4425</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4425</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TORCHMARK CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>891027104</cusip>
			<value>2677</value>
			<shrsOrPrnAmt>
				<sshPrnamt>37000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>31000</Sole>
				<Shared>6000</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TRANSCANADA CORPORATION</nameOfIssuer>
			<titleOfClass>FOREIGN STOCK</titleOfClass>
			<cusip>89353D107</cusip>
			<value>360</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8200</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>200</Sole>
				<Shared>8000</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>THE TRAVELERS COMPANIES INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>89417E109</cusip>
			<value>446</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5263</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3823</Sole>
				<Shared>0</Shared>
				<None>1440</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>THE TRAVELERS COMPANIES INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>89417E109</cusip>
			<value>15</value>
			<shrsOrPrnAmt>
				<sshPrnamt>178</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>178</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>THE TRAVELERS COMPANIES INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>89417E109</cusip>
			<value>64</value>
			<shrsOrPrnAmt>
				<sshPrnamt>755</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>200</Sole>
				<Shared>555</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TRUSTMARK CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>898402102</cusip>
			<value>16387</value>
			<shrsOrPrnAmt>
				<sshPrnamt>640116</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>110527</Sole>
				<Shared>0</Shared>
				<None>529589</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TRUSTMARK CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>898402102</cusip>
			<value>101</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3928</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>3928</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TRUSTMARK CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>898402102</cusip>
			<value>4236</value>
			<shrsOrPrnAmt>
				<sshPrnamt>165466</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>165466</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>US BANCORP DEL</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>902973304</cusip>
			<value>63</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1729</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1529</Sole>
				<Shared>0</Shared>
				<None>200</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>US BANCORP DEL</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>902973304</cusip>
			<value>219</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>6000</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>US BANCORP DEL</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>902973304</cusip>
			<value>1079</value>
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				<sshPrnamt>29485</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>29485</Sole>
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				<None>0</None>
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		<infoTable>
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				<sshPrnamt>2276</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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				<Sole>966</Sole>
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				<None>1310</None>
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		<infoTable>
			<nameOfIssuer>UNION PACIFIC CORP</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<Sole>4040</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>UNITED BANCORPORATION OF</nameOfIssuer>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>21778</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2695</Sole>
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				<None>75</None>
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		<infoTable>
			<nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
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			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>UNITED TECHNOLOGIES CORP</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
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				<None>2490</None>
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		<infoTable>
			<nameOfIssuer>UNITED TECHNOLOGIES CORP</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>19980</Sole>
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				<None>830</None>
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		<infoTable>
			<nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>V F CORP</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5955</Sole>
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				<None>490</None>
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		<infoTable>
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				<sshPrnamt>4010</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
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				<None>4010</None>
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		<infoTable>
			<nameOfIssuer>VANGUARD</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>VANGUARD</nameOfIssuer>
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			<votingAuthority>
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				<None>50</None>
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		<infoTable>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>VANGUARD</nameOfIssuer>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
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				<None>200</None>
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		<infoTable>
			<nameOfIssuer>VANGUARD</nameOfIssuer>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>VANGUARD</nameOfIssuer>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
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				<None>500</None>
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		<infoTable>
			<nameOfIssuer>VANGUARD</nameOfIssuer>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>VANGUARD</nameOfIssuer>
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			<cusip>92206C409</cusip>
			<value>337</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4230</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3980</Sole>
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				<None>250</None>
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		<infoTable>
			<nameOfIssuer>VANGUARD</nameOfIssuer>
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			<cusip>92206C409</cusip>
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			<shrsOrPrnAmt>
				<sshPrnamt>1300</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>VECTREN CORP</nameOfIssuer>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1500</Sole>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>VECTREN CORP</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>6494</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
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				<None>9210</None>
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		<infoTable>
			<nameOfIssuer>VANGUARD</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>VANGUARD</nameOfIssuer>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>VANGUARD</nameOfIssuer>
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			<shrsOrPrnAmt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3934</Sole>
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		<infoTable>
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				<sshPrnamt>985</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>985</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
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				<sshPrnamt>65267</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>59927</Sole>
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			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>VANGUARD</nameOfIssuer>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1300</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-EQUITY</titleOfClass>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>5254</Sole>
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		<infoTable>
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				<sshPrnamt>90473</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>VANGUARD</nameOfIssuer>
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				<sshPrnamt>2520</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
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		<infoTable>
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				<sshPrnamt>7819</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<Sole>7819</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-EQUITY</titleOfClass>
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			<shrsOrPrnAmt>
				<sshPrnamt>25008</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>24388</Sole>
				<Shared>0</Shared>
				<None>620</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-EQUITY</titleOfClass>
			<cusip>922908736</cusip>
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			<shrsOrPrnAmt>
				<sshPrnamt>15100</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>8000</Sole>
				<Shared>5000</Shared>
				<None>2100</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-EQUITY</titleOfClass>
			<cusip>922908736</cusip>
			<value>166</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1957</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1957</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-EQUITY</titleOfClass>
			<cusip>922908751</cusip>
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			<shrsOrPrnAmt>
				<sshPrnamt>36351</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>34636</Sole>
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				<None>1715</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>VANGUARD</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-EQUITY</titleOfClass>
			<cusip>922908751</cusip>
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			<shrsOrPrnAmt>
				<sshPrnamt>5640</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>5640</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>VANGUARD</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-EQUITY</titleOfClass>
			<cusip>922908751</cusip>
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				<sshPrnamt>555</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>555</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>VERIZON COMMUNICATIONS</nameOfIssuer>
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				<sshPrnamt>92178</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>89357</Sole>
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				<None>2821</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>VERIZON COMMUNICATIONS</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>92343V104</cusip>
			<value>195</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4182</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>3450</Sole>
				<Shared>732</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VERIZON COMMUNICATIONS</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>92343V104</cusip>
			<value>93</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1999</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>799</Sole>
				<Shared>1100</Shared>
				<None>100</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VIACOM INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>92553P201</cusip>
			<value>407</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4875</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3465</Sole>
				<Shared>0</Shared>
				<None>1410</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>VODAFONE GROUP PLC</nameOfIssuer>
			<titleOfClass>ADRS</titleOfClass>
			<cusip>92857W209</cusip>
			<value>278</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7915</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5915</Sole>
				<Shared>0</Shared>
				<None>2000</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>WADDELL REED FINL</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>466</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9054</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>9054</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WAL-MART STORES INC</nameOfIssuer>
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				<sshPrnamt>62693</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>51948</Sole>
				<Shared>0</Shared>
				<None>10745</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WAL-MART STORES INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1587</Sole>
				<Shared>590</Shared>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>WAL-MART STORES INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1630</Sole>
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				<None>75</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>WALGREEN CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<shrsOrPrnAmt>
				<sshPrnamt>1873</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1873</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WALGREEN CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>4400</Sole>
				<Shared>8000</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WASTE MANAGEMENT INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>94106L109</cusip>
			<value>1253</value>
			<shrsOrPrnAmt>
				<sshPrnamt>30376</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>30376</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WASTE MANAGEMENT INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>94106L109</cusip>
			<value>83</value>
			<shrsOrPrnAmt>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>190</Sole>
				<Shared>1820</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WATERS CORP</nameOfIssuer>
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			<value>13</value>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>120</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>WATERS CORP</nameOfIssuer>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1000</Sole>
				<Shared>1500</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WELLPOINT INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>94973V107</cusip>
			<value>720</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8615</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>7865</Sole>
				<Shared>0</Shared>
				<None>750</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WELLS FARGO &amp; COMPANY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>949746101</cusip>
			<value>519</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12556</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>9805</Sole>
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				<None>2751</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WELLS FARGO &amp; COMPANY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>949746101</cusip>
			<value>190</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4591</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>4534</Sole>
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				<None>57</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WELLS FARGO &amp; COMPANY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>949746101</cusip>
			<value>184</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4462</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>4262</Sole>
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				<None>200</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WESTERN GAS PARTNERS LP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>958254104</cusip>
			<value>421</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5000</Sole>
				<Shared>0</Shared>
				<None>2000</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WESTERN UNION COMPANY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>959802109</cusip>
			<value>127</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6810</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6810</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WESTERN UNION COMPANY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>959802109</cusip>
			<value>209</value>
			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1200</Sole>
				<Shared>10000</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WEYERHAEUSER CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>962166104</cusip>
			<value>93</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3265</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>3265</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WEYERHAEUSER CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>962166104</cusip>
			<value>300</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10487</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>10487</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WINDSTREAM HOLDINGS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>97382A101</cusip>
			<value>108</value>
			<shrsOrPrnAmt>
				<sshPrnamt>13504</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>13504</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WISDOMTREE</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-EQUITY</titleOfClass>
			<cusip>97717W406</cusip>
			<value>827</value>
			<shrsOrPrnAmt>
				<sshPrnamt>13000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>13000</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WISDOMTREE</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-EQUITY</titleOfClass>
			<cusip>97717W505</cusip>
			<value>545</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7840</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6940</Sole>
				<Shared>0</Shared>
				<None>900</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WISDOMTREE</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED FUNDS-EQUITY</titleOfClass>
			<cusip>97717W505</cusip>
			<value>66</value>
			<shrsOrPrnAmt>
				<sshPrnamt>950</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>950</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>YUM BRANDS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>988498101</cusip>
			<value>286</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3650</Sole>
				<Shared>0</Shared>
				<None>350</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>YUM BRANDS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>988498101</cusip>
			<value>6</value>
			<shrsOrPrnAmt>
				<sshPrnamt>80</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>80</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ZIMMER HLDGS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>98956P102</cusip>
			<value>222</value>
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				<sshPrnamt>2700</sshPrnamt>
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			<nameOfIssuer>ZIMMER HLDGS INC</nameOfIssuer>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>MS HOSPITAL COMMON TRUST 2013</nameOfIssuer>
			<titleOfClass>COMMON TRUST FUNDS - FIXED</titleOfClass>
			<cusip>990011678</cusip>
			<value>162937</value>
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				<sshPrnamt>16375610</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>16375610</None>
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		<infoTable>
			<nameOfIssuer>MHA COMMON TRUST FUND B 2013</nameOfIssuer>
			<titleOfClass>COMMON TRUST FUNDS - FIXED</titleOfClass>
			<cusip>990011686</cusip>
			<value>32250</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3149426</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>3149426</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>MHA HOSPITAL COMMON TRUST 2013</nameOfIssuer>
			<titleOfClass>COMMON TRUST FUNDS - FIXED</titleOfClass>
			<cusip>990011694</cusip>
			<value>19017</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1901707</sshPrnamt>
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			<votingAuthority>
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				<Shared>0</Shared>
				<None>1901707</None>
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			<nameOfIssuer>EATON CORP PLC</nameOfIssuer>
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			<cusip>G29183103</cusip>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
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				<None>900</None>
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		<infoTable>
			<nameOfIssuer>EATON CORP PLC</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>INGERSOLL-RAND PLC</nameOfIssuer>
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			<value>180</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2771</sshPrnamt>
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			<votingAuthority>
				<Sole>2496</Sole>
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				<None>275</None>
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		<infoTable>
			<nameOfIssuer>INGERSOLL-RAND PLC</nameOfIssuer>
			<titleOfClass>FOREIGN STOCK</titleOfClass>
			<cusip>G47791101</cusip>
			<value>481</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7400</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>SEADRILL LTD</nameOfIssuer>
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			<cusip>G7945E105</cusip>
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			<shrsOrPrnAmt>
				<sshPrnamt>5500</sshPrnamt>
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				<None>0</None>
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			<nameOfIssuer>SEAGATE TECHNOLOGY</nameOfIssuer>
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			<cusip>G7945M107</cusip>
			<value>736</value>
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			<votingAuthority>
				<Sole>13290</Sole>
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				<None>3530</None>
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		<infoTable>
			<nameOfIssuer>SEAGATE TECHNOLOGY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>TRANSATLANTIC PETROLEUM LTD</nameOfIssuer>
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			<cusip>G89982105</cusip>
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				<sshPrnamt>140915</sshPrnamt>
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			<votingAuthority>
				<Sole>140915</Sole>
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				<None>0</None>
			</votingAuthority>
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</informationTable>
