<informationTable xmlns="http://www.sec.gov/edgar/document/thirteenf/informationtable">		<infoTable>
			<nameOfIssuer>AFLAC INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>001055102</cusip>
			<value>1549</value>
			<shrsOrPrnAmt>
				<sshPrnamt>24198</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>20063</Sole>
				<Shared>0</Shared>
				<None>4135</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AFLAC INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>001055102</cusip>
			<value>329</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5137</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>4471</Sole>
				<Shared>300</Shared>
				<None>366</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AGL RESOURCES INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>001204106</cusip>
			<value>155</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3114</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3114</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AGL RESOURCES INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>001204106</cusip>
			<value>56</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1120</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>1120</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALERIAN MLP</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADEDFUNDS-EQUITY</titleOfClass>
			<cusip>00162Q866</cusip>
			<value>13542</value>
			<shrsOrPrnAmt>
				<sshPrnamt>817277</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>768839</Sole>
				<Shared>0</Shared>
				<None>48438</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALERIAN MLP</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADEDFUNDS-EQUITY</titleOfClass>
			<cusip>00162Q866</cusip>
			<value>142</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8575</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>8275</Sole>
				<Shared>300</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALERIAN MLP</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADEDFUNDS-EQUITY</titleOfClass>
			<cusip>00162Q866</cusip>
			<value>516</value>
			<shrsOrPrnAmt>
				<sshPrnamt>31135</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>30035</Sole>
				<Shared>1100</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AT&amp;T INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>00206R102</cusip>
			<value>5330</value>
			<shrsOrPrnAmt>
				<sshPrnamt>163242</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>154919</Sole>
				<Shared>0</Shared>
				<None>8323</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AT&amp;T INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>00206R102</cusip>
			<value>315</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9660</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>8628</Sole>
				<Shared>200</Shared>
				<None>832</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AT&amp;T INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>00206R102</cusip>
			<value>477</value>
			<shrsOrPrnAmt>
				<sshPrnamt>14598</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>14598</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ABBOTT LABORATORIES</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>002824100</cusip>
			<value>1764</value>
			<shrsOrPrnAmt>
				<sshPrnamt>38070</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>37370</Sole>
				<Shared>0</Shared>
				<None>700</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ABBOTT LABORATORIES</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>002824100</cusip>
			<value>248</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5351</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>4051</Sole>
				<Shared>400</Shared>
				<None>900</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ABBVIE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>00287Y109</cusip>
			<value>2081</value>
			<shrsOrPrnAmt>
				<sshPrnamt>35550</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>34549</Sole>
				<Shared>0</Shared>
				<None>1001</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ABBVIE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>00287Y109</cusip>
			<value>6</value>
			<shrsOrPrnAmt>
				<sshPrnamt>100</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>100</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ABBVIE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>00287Y109</cusip>
			<value>81</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1380</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>200</Sole>
				<Shared>1180</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ADOBE SYSTEMS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>00724F101</cusip>
			<value>193</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2610</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>110</Sole>
				<Shared>0</Shared>
				<None>2500</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ADOBE SYSTEMS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>00724F101</cusip>
			<value>237</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3200</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1000</Sole>
				<Shared>0</Shared>
				<None>2200</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AETNA INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>00817Y108</cusip>
			<value>212</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1991</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1991</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AKORN INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>009728106</cusip>
			<value>282</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5932</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5932</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALLSTATE CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>020002101</cusip>
			<value>407</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5717</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5447</Sole>
				<Shared>0</Shared>
				<None>270</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALLSTATE CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>020002101</cusip>
			<value>40</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>1609</value>
			<shrsOrPrnAmt>
				<sshPrnamt>32164</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>29164</Sole>
				<Shared>0</Shared>
				<None>3000</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>02209S103</cusip>
			<value>285</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5693</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>5114</Sole>
				<Shared>0</Shared>
				<None>579</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>02209S103</cusip>
			<value>42</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 ELECTRIC POWER</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>025537101</cusip>
			<value>510</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9070</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6520</Sole>
				<Shared>0</Shared>
				<None>2550</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AMERICAN ELECTRIC POWER</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>025537101</cusip>
			<value>38</value>
			<shrsOrPrnAmt>
				<sshPrnamt>673</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>540</Sole>
				<Shared>0</Shared>
				<None>133</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>025816109</cusip>
			<value>1303</value>
			<shrsOrPrnAmt>
				<sshPrnamt>16684</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>15284</Sole>
				<Shared>0</Shared>
				<None>1400</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>025816109</cusip>
			<value>281</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3594</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>3594</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>025816109</cusip>
			<value>4</value>
			<shrsOrPrnAmt>
				<sshPrnamt>50</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>50</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AMERICAN INTERNATIONAL GROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>026874784</cusip>
			<value>2478</value>
			<shrsOrPrnAmt>
				<sshPrnamt>45232</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>29782</Sole>
				<Shared>0</Shared>
				<None>15450</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AMERICAN INTERNATIONAL</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>026874784</cusip>
			<value>219</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>4000</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AMERICAN INTERNATIONAL</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>026874784</cusip>
			<value>116</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2110</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2110</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AMGEN INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>031162100</cusip>
			<value>1066</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6670</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6470</Sole>
				<Shared>0</Shared>
				<None>200</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AMGEN INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>031162100</cusip>
			<value>223</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1392</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>794</Sole>
				<Shared>400</Shared>
				<None>198</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ANADARKO PETROLEUM CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>032511107</cusip>
			<value>655</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7910</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2210</Sole>
				<Shared>0</Shared>
				<None>5700</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ANADARKO PETROLEUM CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>032511107</cusip>
			<value>91</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1100</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>1100</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ANADARKO PETROLEUM CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>032511107</cusip>
			<value>105</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1267</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1267</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ANTHEM INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>036752103</cusip>
			<value>2874</value>
			<shrsOrPrnAmt>
				<sshPrnamt>18613</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>17513</Sole>
				<Shared>0</Shared>
				<None>1100</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ANTHEM INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>036752103</cusip>
			<value>82</value>
			<shrsOrPrnAmt>
				<sshPrnamt>532</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>532</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>APACHE CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>037411105</cusip>
			<value>267</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4418</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4418</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>APPLE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>037833100</cusip>
			<value>4066</value>
			<shrsOrPrnAmt>
				<sshPrnamt>32675</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>29215</Sole>
				<Shared>0</Shared>
				<None>3460</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>APPLE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>037833100</cusip>
			<value>124</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>1000</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>APPLE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>037833100</cusip>
			<value>618</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4963</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>4963</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ARCHER DANIELS MIDLAND</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>039483102</cusip>
			<value>1586</value>
			<shrsOrPrnAmt>
				<sshPrnamt>33465</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>22665</Sole>
				<Shared>0</Shared>
				<None>10800</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ARCHER DANIELS MIDLAND</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>039483102</cusip>
			<value>24</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>AUTOMATIC DATA PROCESSING INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>053015103</cusip>
			<value>20</value>
			<shrsOrPrnAmt>
				<sshPrnamt>238</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>80</Sole>
				<Shared>0</Shared>
				<None>158</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AUTOMATIC DATA PROCESSING INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>053015103</cusip>
			<value>200</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2337</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>2020</Sole>
				<Shared>0</Shared>
				<None>317</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BCE INC</nameOfIssuer>
			<titleOfClass>FOREIGN STOCK</titleOfClass>
			<cusip>05534B760</cusip>
			<value>450</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10614</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>10614</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BCE INC</nameOfIssuer>
			<titleOfClass>FOREIGN STOCK</titleOfClass>
			<cusip>05534B760</cusip>
			<value>121</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2846</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>2282</Sole>
				<Shared>0</Shared>
				<None>564</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BP P L C</nameOfIssuer>
			<titleOfClass>ADRS</titleOfClass>
			<cusip>055622104</cusip>
			<value>680</value>
			<shrsOrPrnAmt>
				<sshPrnamt>17391</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>15491</Sole>
				<Shared>0</Shared>
				<None>1900</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BP P L C</nameOfIssuer>
			<titleOfClass>ADRS</titleOfClass>
			<cusip>055622104</cusip>
			<value>96</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2447</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1963</Sole>
				<Shared>0</Shared>
				<None>484</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BALL CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>058498106</cusip>
			<value>439</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6210</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6210</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BANCORPSOUTH INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>059692103</cusip>
			<value>282</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12142</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>12142</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BANK OF AMERICA CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>060505104</cusip>
			<value>904</value>
			<shrsOrPrnAmt>
				<sshPrnamt>58740</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>56387</Sole>
				<Shared>0</Shared>
				<None>2353</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BANK OF AMERICA CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>060505104</cusip>
			<value>165</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10714</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>10714</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BARD C R INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>067383109</cusip>
			<value>494</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2951</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2951</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BARD C R INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>067383109</cusip>
			<value>17</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>IPATH BLOOMBERG COMMODITY INDEX</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED</titleOfClass>
			<cusip>06738C778</cusip>
			<value>238</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8594</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>8594</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BAXTER INTERNATIONAL INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>071813109</cusip>
			<value>290</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4233</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4033</Sole>
				<Shared>0</Shared>
				<None>200</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BAXTER INTERNATIONAL INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>071813109</cusip>
			<value>324</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4737</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>4493</Sole>
				<Shared>0</Shared>
				<None>244</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BAXTER INTERNATIONAL INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>071813109</cusip>
			<value>386</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5635</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>5635</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BAYER AG-SPONS ADR</nameOfIssuer>
			<titleOfClass>ADRS</titleOfClass>
			<cusip>072730302</cusip>
			<value>111</value>
			<shrsOrPrnAmt>
				<sshPrnamt>741</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>615</Sole>
				<Shared>0</Shared>
				<None>126</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BAYER AG-SPONS ADR</nameOfIssuer>
			<titleOfClass>ADRS</titleOfClass>
			<cusip>072730302</cusip>
			<value>37</value>
			<shrsOrPrnAmt>
				<sshPrnamt>243</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>195</Sole>
				<Shared>0</Shared>
				<None>48</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BAYER AG-SPONS ADR</nameOfIssuer>
			<titleOfClass>ADRS</titleOfClass>
			<cusip>072730302</cusip>
			<value>90</value>
			<shrsOrPrnAmt>
				<sshPrnamt>600</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>600</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BECTON DICKINSON AND CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>075887109</cusip>
			<value>1750</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12188</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>11928</Sole>
				<Shared>0</Shared>
				<None>260</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BECTON DICKINSON AND CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>075887109</cusip>
			<value>209</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1455</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1264</Sole>
				<Shared>0</Shared>
				<None>191</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BECTON DICKINSON AND CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>075887109</cusip>
			<value>19</value>
			<shrsOrPrnAmt>
				<sshPrnamt>134</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>134</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BERKSHIRE HATHAWAY INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>084670702</cusip>
			<value>500</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3465</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3465</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BERKSHIRE HATHAWAY INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>084670702</cusip>
			<value>126</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>14</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>0</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 INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>09062X103</cusip>
			<value>1767</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4185</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2355</Sole>
				<Shared>0</Shared>
				<None>1830</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>THE BLACKSTONE GROUP LP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>09253U108</cusip>
			<value>544</value>
			<shrsOrPrnAmt>
				<sshPrnamt>14000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>14000</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BRISTOL MYERS SQUIBB CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>110122108</cusip>
			<value>3314</value>
			<shrsOrPrnAmt>
				<sshPrnamt>51383</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>46624</Sole>
				<Shared>0</Shared>
				<None>4759</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BRISTOL MYERS SQUIBB CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>110122108</cusip>
			<value>842</value>
			<shrsOrPrnAmt>
				<sshPrnamt>13060</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>12560</Sole>
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				<None>500</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BRISTOL MYERS SQUIBB CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>110122108</cusip>
			<value>205</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3176</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>680</Shared>
				<None>2496</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BROWN-FORMAN CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>115637209</cusip>
			<value>254</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2812</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2812</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CBL &amp; ASSOCIATES PROPERTIES INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>124830100</cusip>
			<value>495</value>
			<shrsOrPrnAmt>
				<sshPrnamt>25000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>25000</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CF INDUSTRIES HOLDINGS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>125269100</cusip>
			<value>555</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1956</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>256</Sole>
				<Shared>0</Shared>
				<None>1700</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>CIGNA CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>125509109</cusip>
			<value>763</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5897</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>997</Sole>
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				<None>4900</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>CSX CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>126408103</cusip>
			<value>523</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>15300</Sole>
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				<None>500</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CSX CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>126408103</cusip>
			<value>17</value>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>500</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CSX CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>126408103</cusip>
			<value>278</value>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1200</Sole>
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				<None>7200</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CVS HEALTH CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>126650100</cusip>
			<value>1128</value>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>10732</Sole>
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				<None>200</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>CVS HEALTH CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>126650100</cusip>
			<value>133</value>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1028</Sole>
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				<None>261</None>
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		<infoTable>
			<nameOfIssuer>CVS HEALTH CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>126650100</cusip>
			<value>494</value>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>CYC INVESTMENTS INC</nameOfIssuer>
			<titleOfClass>REIT</titleOfClass>
			<cusip>12673A108</cusip>
			<value>383</value>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>43000</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>CALAMOS</nameOfIssuer>
			<titleOfClass>MUTUAL FUNDS -</titleOfClass>
			<cusip>12811P108</cusip>
			<value>144</value>
			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>10170</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>CANADIAN NATL RAILWAY CO</nameOfIssuer>
			<titleOfClass>FOREIGN STOCK</titleOfClass>
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			<value>114</value>
			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1414</Sole>
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				<None>296</None>
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		<infoTable>
			<nameOfIssuer>CANADIAN NATL RAILWAY CO</nameOfIssuer>
			<titleOfClass>FOREIGN STOCK</titleOfClass>
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			<value>38</value>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>450</Sole>
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				<None>113</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CANADIAN NATL RAILWAY CO</nameOfIssuer>
			<titleOfClass>FOREIGN STOCK</titleOfClass>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
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				<None>2036</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>CARDINAL HEALTH INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>14149Y108</cusip>
			<value>89</value>
			<shrsOrPrnAmt>
				<sshPrnamt>988</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>988</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>CARDINAL HEALTH 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>3895</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>CELGENE CORP</nameOfIssuer>
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			<cusip>151020104</cusip>
			<value>155</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1344</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>244</Sole>
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				<None>1100</None>
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		<infoTable>
			<nameOfIssuer>CELGENE CORP</nameOfIssuer>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
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				<None>1400</None>
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		<infoTable>
			<nameOfIssuer>CENTURYLINK INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>156700106</cusip>
			<value>194</value>
			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4615</Sole>
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				<None>1000</None>
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		<infoTable>
			<nameOfIssuer>CENTURYLINK INC</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>698</Sole>
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				<None>2700</None>
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		<infoTable>
			<nameOfIssuer>CHEVRON CORP</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>39705</Sole>
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				<None>3060</None>
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		<infoTable>
			<nameOfIssuer>CHEVRON CORP</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>3476</Sole>
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				<None>314</None>
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		<infoTable>
			<nameOfIssuer>CHEVRON CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>151</value>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>880</Sole>
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			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>CHUBB CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>171232101</cusip>
			<value>843</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6340</Sole>
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				<None>2000</None>
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		<infoTable>
			<nameOfIssuer>CHUBB CORP</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>CHURCH &amp; DWIGHT INC</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>69409</Sole>
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				<None>8369</None>
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		<infoTable>
			<nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>107</value>
			<shrsOrPrnAmt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>2450</Sole>
				<Shared>1445</Shared>
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			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>17275R102</cusip>
			<value>152</value>
			<shrsOrPrnAmt>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>3312</Sole>
				<Shared>1700</Shared>
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			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CITIGROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>172967424</cusip>
			<value>1081</value>
			<shrsOrPrnAmt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>20987</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CITIGROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>172967424</cusip>
			<value>100</value>
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				<sshPrnamt>1934</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1934</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CITRIX SYS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>177376100</cusip>
			<value>203</value>
			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3185</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GUGGENHEIM</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADEDFUNDS-EQUITY</titleOfClass>
			<cusip>18383M506</cusip>
			<value>1770</value>
			<shrsOrPrnAmt>
				<sshPrnamt>80218</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>75263</Sole>
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				<None>4955</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GUGGENHEIM</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED</titleOfClass>
			<cusip>18383M506</cusip>
			<value>66</value>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>3011</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CLOROX CO</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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				<Sole>1160</Sole>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>CLOROX CO</nameOfIssuer>
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				<None>400</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>CLOROX CO</nameOfIssuer>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>COCA-COLA CO/THE</nameOfIssuer>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>COCA-COLA CO/THE</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>COCA-COLA CO/THE</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>COGNIZANT TECHNOLOGY SOLUTION</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>COLGATE PALMOLIVE CO</nameOfIssuer>
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			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>COMCAST CORPORATION</nameOfIssuer>
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			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>COMCAST CORPORATION</nameOfIssuer>
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				<None>4000</None>
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		<infoTable>
			<nameOfIssuer>COMCAST CORPORATION</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>COMPUTER PROGRAMS AND SYS INC</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>33154</Sole>
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				<None>5730</None>
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		<infoTable>
			<nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>975</Sole>
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		<infoTable>
			<nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>865</Sole>
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		<infoTable>
			<nameOfIssuer>CONSOLIDATED EDISON INC</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
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				<None>37</None>
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		<infoTable>
			<nameOfIssuer>CONSOLIDATED EDISON INC</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>CONSOLIDATED EDISON INC</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>CORNING INC</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>93949</Sole>
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				<None>22180</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>CORNING INC</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>3220</Sole>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>COSTCO WHOLESALE CORP</nameOfIssuer>
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			<value>257</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>COSTCO WHOLESALE CORP</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>CROWN CASTLE INTERNATIONAL</nameOfIssuer>
			<titleOfClass>REIT</titleOfClass>
			<cusip>22822V101</cusip>
			<value>825</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>10000</Sole>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>CUMMINS INC</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3263</Sole>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>DTE ENERGY CO</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>960</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DTE ENERGY CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WALT DISNEY COMPANY</nameOfIssuer>
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			<cusip>254687106</cusip>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>24815</Sole>
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				<None>9655</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WALT DISNEY COMPANY</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
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			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WALT DISNEY COMPANY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DISCOVER FINANCIAL SERVIC</nameOfIssuer>
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			<value>324</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5744</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DOMINION RESOURCE INC</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5048</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DOMINION RESOURCE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>205</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DOMINION RESOURCE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>596</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DOW CHEMICAL CO</nameOfIssuer>
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			<value>728</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>13308</Sole>
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				<None>1875</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DOW CHEMICAL CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>260543103</cusip>
			<value>63</value>
			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1117</Sole>
				<Shared>200</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DREYFUS</nameOfIssuer>
			<titleOfClass>TAX EXEMPT</titleOfClass>
			<cusip>26202F107</cusip>
			<value>89</value>
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				<sshPrnamt>11042</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>11042</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>E. I. DU PONT DE NEMOURS</nameOfIssuer>
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			<value>1673</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>21986</Sole>
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				<None>1425</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>E. I. DU PONT DE NEMOURS</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>E. I. DU PONT DE NEMOURS</nameOfIssuer>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>DUKE ENERGY CORPORATION</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>DUKE ENERGY CORPORATION</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>DUKE ENERGY CORPORATION</nameOfIssuer>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>ALPHACLONE ALTERNATIVE ALPHA</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>ALPHACLONE ALTERNATIVE ALPHA</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>EASTGROUP PPTY INC</nameOfIssuer>
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				<Sole>22128</Sole>
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		<infoTable>
			<nameOfIssuer>EASTGROUP PPTY INC</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>EBAY INC</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>7150</Sole>
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		<infoTable>
			<nameOfIssuer>ECOLAB INC</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
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				<None>1000</None>
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		<infoTable>
			<nameOfIssuer>EDWARDS LIFESCIENCES CORP</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>EDWARDS LIFESCIENCES CORP</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>EMERSON ELECTRIC CO</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>EMERSON ELECTRIC CO</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>600</Sole>
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		<infoTable>
			<nameOfIssuer>EMERSON ELECTRIC CO</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>ENERGY TRANSFER PARTNERS LP</nameOfIssuer>
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			<cusip>29273R109</cusip>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>ENERGY TRANSFER PARTNERS LP</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
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				<None>1000</None>
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		<infoTable>
			<nameOfIssuer>ENERGY TRANSFER EQUITY LP</nameOfIssuer>
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			<value>458</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>ENERGY TRANSFER EQUITY LP</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>ENTERGY CORPORATION</nameOfIssuer>
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			<cusip>29364G103</cusip>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>82171</Sole>
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		<infoTable>
			<nameOfIssuer>ENTERGY CORPORATION</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>4051</Sole>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>ENTERPRISE PRODUCTS PARTNERS LP</nameOfIssuer>
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			<cusip>293792107</cusip>
			<value>902</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>19989</Sole>
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		<infoTable>
			<nameOfIssuer>ENTERPRISE PRODUCTS PARTNERS</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>EXPRESS SCRIPTS HOLDING INC</nameOfIssuer>
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			<cusip>30219G108</cusip>
			<value>885</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>9197</Sole>
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				<None>1000</None>
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		<infoTable>
			<nameOfIssuer>EXPRESS SCRIPTS HOLDING INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>30219G108</cusip>
			<value>5</value>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>EXPRESS SCRIPTS HOLDING INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>30219G108</cusip>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<Sole>13755</Sole>
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		<infoTable>
			<nameOfIssuer>FS INVT CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>302635107</cusip>
			<value>406</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>40000</Sole>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>FACEBOOK INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>30303M102</cusip>
			<value>495</value>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1715</Sole>
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				<None>4300</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FACEBOOK INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>30303M102</cusip>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>FACEBOOK INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>30303M102</cusip>
			<value>74</value>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
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			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FEDEX CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>31428X106</cusip>
			<value>234</value>
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				<sshPrnamt>1413</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>413</Sole>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>FEDEX CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>31428X106</cusip>
			<value>83</value>
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				<sshPrnamt>500</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>500</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>FIDELITY</nameOfIssuer>
			<titleOfClass>MUTUAL FUNDS E</titleOfClass>
			<cusip>316071109</cusip>
			<value>683</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6769</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>FIRST EAGLE</nameOfIssuer>
			<titleOfClass>MUTUAL FUNDS EQUITY</titleOfClass>
			<cusip>32008F606</cusip>
			<value>4082</value>
			<shrsOrPrnAmt>
				<sshPrnamt>75769</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>68679</Sole>
				<Shared>0</Shared>
				<None>7090</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FIRST EAGLE</nameOfIssuer>
			<titleOfClass>MUTUAL FUNDS E</titleOfClass>
			<cusip>32008F606</cusip>
			<value>127</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2360</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>2360</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FIRST TRUST</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADEDFUNDS-FIXED IN</titleOfClass>
			<cusip>33738R100</cusip>
			<value>4123</value>
			<shrsOrPrnAmt>
				<sshPrnamt>195783</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>192898</Sole>
				<Shared>0</Shared>
				<None>2885</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FIRST TRUST</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADEDFUNDS-FIXED IN</titleOfClass>
			<cusip>33738R100</cusip>
			<value>95</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4519</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>3599</Sole>
				<Shared>920</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FISERV INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>337738108</cusip>
			<value>607</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7640</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>7280</Sole>
				<Shared>0</Shared>
				<None>360</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FISERV INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>337738108</cusip>
			<value>24</value>
			<shrsOrPrnAmt>
				<sshPrnamt>300</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>300</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FORD MOTOR CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>345370860</cusip>
			<value>632</value>
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				<sshPrnamt>39147</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>30897</Sole>
				<Shared>0</Shared>
				<None>8250</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FORD MOTOR CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>115</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7143</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>7143</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FORD MOTOR CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>52</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3220</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>3220</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FRONTIER COMMUNICATIONS</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>35906A108</cusip>
			<value>318</value>
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				<sshPrnamt>45144</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>45144</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GANNETT INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>364730101</cusip>
			<value>2967</value>
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				<sshPrnamt>80004</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>61734</Sole>
				<Shared>0</Shared>
				<None>18270</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GANNETT INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>364730101</cusip>
			<value>94</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2545</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2545</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GAP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>364760108</cusip>
			<value>804</value>
			<shrsOrPrnAmt>
				<sshPrnamt>18560</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>18560</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>288</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2120</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1855</Sole>
				<Shared>0</Shared>
				<None>265</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GENERAL ELECTRIC COMPANY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>6071</value>
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				<sshPrnamt>244709</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>206247</Sole>
				<Shared>0</Shared>
				<None>38462</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GENERAL ELECTRIC COMPANY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>369604103</cusip>
			<value>752</value>
			<shrsOrPrnAmt>
				<sshPrnamt>30300</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>14100</Sole>
				<Shared>16200</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GENERAL ELECTRIC COMPANY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>369604103</cusip>
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			<shrsOrPrnAmt>
				<sshPrnamt>5532</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>4924</Sole>
				<Shared>108</Shared>
				<None>500</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GENERAL MILLS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>370334104</cusip>
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			<shrsOrPrnAmt>
				<sshPrnamt>23400</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>23080</Sole>
				<Shared>0</Shared>
				<None>320</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GENERAL MILLS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>370334104</cusip>
			<value>256</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4530</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>4318</Sole>
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				<None>212</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GENERAL MILLS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>370334104</cusip>
			<value>3</value>
			<shrsOrPrnAmt>
				<sshPrnamt>50</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>50</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GENERAL MOTORS CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>37045V100</cusip>
			<value>663</value>
			<shrsOrPrnAmt>
				<sshPrnamt>17687</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>17687</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GENERAL MOTORS CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>16</value>
			<shrsOrPrnAmt>
				<sshPrnamt>420</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>420</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>372460105</cusip>
			<value>1604</value>
			<shrsOrPrnAmt>
				<sshPrnamt>17208</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>17171</Sole>
				<Shared>0</Shared>
				<None>37</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>372460105</cusip>
			<value>245</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2632</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2632</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>375558103</cusip>
			<value>440</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4485</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>335</Sole>
				<Shared>0</Shared>
				<None>4150</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>375558103</cusip>
			<value>267</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2722</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1059</Sole>
				<Shared>0</Shared>
				<None>1663</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>375558103</cusip>
			<value>62</value>
			<shrsOrPrnAmt>
				<sshPrnamt>630</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>630</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GLADSTONE CAPITAL CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>376535100</cusip>
			<value>93</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10600</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>10600</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GLAXO SMITHKLINE SPONSORED PLC</nameOfIssuer>
			<titleOfClass>ADRS</titleOfClass>
			<cusip>37733W105</cusip>
			<value>566</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12275</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>12150</Sole>
				<Shared>0</Shared>
				<None>125</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GLAXO SMITHKLINE SPONSORED PLC</nameOfIssuer>
			<titleOfClass>ADRS</titleOfClass>
			<cusip>37733W105</cusip>
			<value>152</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3283</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>2652</Sole>
				<Shared>0</Shared>
				<None>631</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GOLDMAN SACHS</nameOfIssuer>
			<titleOfClass>INTERNATIONAL</titleOfClass>
			<cusip>38142V837</cusip>
			<value>119</value>
			<shrsOrPrnAmt>
				<sshPrnamt>11355</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>11355</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GOLDMAN SACHS</nameOfIssuer>
			<titleOfClass>INTERNATIONAL</titleOfClass>
			<cusip>38142V837</cusip>
			<value>25</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>INTERNATIONALEQUITY FUNDS</titleOfClass>
			<cusip>38142V837</cusip>
			<value>71</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6765</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>3214</Sole>
				<Shared>0</Shared>
				<None>3551</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GOOGLE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>38259P508</cusip>
			<value>272</value>
			<shrsOrPrnAmt>
				<sshPrnamt>490</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>460</Sole>
				<Shared>0</Shared>
				<None>30</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GOOGLE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>38259P508</cusip>
			<value>40</value>
			<shrsOrPrnAmt>
				<sshPrnamt>72</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2</Sole>
				<Shared>0</Shared>
				<None>70</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GOOGLE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>38259P706</cusip>
			<value>1492</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2722</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2584</Sole>
				<Shared>0</Shared>
				<None>138</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GOOGLE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>38259P706</cusip>
			<value>62</value>
			<shrsOrPrnAmt>
				<sshPrnamt>114</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>114</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>HCP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>40414L109</cusip>
			<value>367</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8497</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>8497</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HCP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>40414L109</cusip>
			<value>75</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1743</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1398</Sole>
				<Shared>0</Shared>
				<None>345</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HAIN CELESTIAL GROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>405217100</cusip>
			<value>335</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5233</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5233</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HALLIBURTON COMP ANY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>406216101</cusip>
			<value>765</value>
			<shrsOrPrnAmt>
				<sshPrnamt>17425</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>7825</Sole>
				<Shared>0</Shared>
				<None>9600</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HALLIBURTON COMP ANY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>406216101</cusip>
			<value>70</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1594</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1594</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HALLIBURTON COMP ANY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>406216101</cusip>
			<value>62</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1418</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1418</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HANCOCK HLDG CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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				<sshPrnamt>43102</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>43102</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HANESBRANDS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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				<sshPrnamt>9019</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>9019</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HARTFORD FINL SVCS GROUP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>416515104</cusip>
			<value>1918</value>
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				<sshPrnamt>45860</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>33960</Sole>
				<Shared>0</Shared>
				<None>11900</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HEALTHCARE SVCS GRP INC COM</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<shrsOrPrnAmt>
				<sshPrnamt>8030</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>8030</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HEALTH CARE REIT INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>42217K106</cusip>
			<value>749</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9686</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>9686</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HEALTH CARE REIT INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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				<sshPrnamt>967</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>774</Sole>
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				<None>193</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HESS CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>411</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6058</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6058</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HESS CORP</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>600</Sole>
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				<None>600</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HOLLYFRONTIER CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>436106108</cusip>
			<value>491</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12200</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>12200</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>1010</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8893</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6063</Sole>
				<Shared>0</Shared>
				<None>2830</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>511</value>
			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>2499</Sole>
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				<None>2000</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<shrsOrPrnAmt>
				<sshPrnamt>270</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>135</Sole>
				<Shared>135</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HUMANA INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>444859102</cusip>
			<value>395</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2220</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2220</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HUMANA INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<shrsOrPrnAmt>
				<sshPrnamt>80</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>80</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HUNTINGTON BANCSHARES INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>446150104</cusip>
			<value>273</value>
			<shrsOrPrnAmt>
				<sshPrnamt>24672</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>24672</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HUNTINGTON BANCSHARES 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>5630</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ICICI BK LTD ADR</nameOfIssuer>
			<titleOfClass>ADRS</titleOfClass>
			<cusip>45104G104</cusip>
			<value>82</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7913</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6633</Sole>
				<Shared>0</Shared>
				<None>1280</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ICICI BK LTD ADR</nameOfIssuer>
			<titleOfClass>ADRS</titleOfClass>
			<cusip>45104G104</cusip>
			<value>25</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2436</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1950</Sole>
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				<None>486</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ILLINOIS TOOL WORKS</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>452308109</cusip>
			<value>82</value>
			<shrsOrPrnAmt>
				<sshPrnamt>842</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>146</Sole>
				<Shared>0</Shared>
				<None>696</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ILLINOIS TOOL WORKS</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>209</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2153</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1727</Sole>
				<Shared>0</Shared>
				<None>426</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>IQ HEDGE MULTI-STRATEGY</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED</titleOfClass>
			<cusip>45409B107</cusip>
			<value>393</value>
			<shrsOrPrnAmt>
				<sshPrnamt>13125</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>13125</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTEL CORP</nameOfIssuer>
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				<sshPrnamt>153204</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>133914</Sole>
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				<None>19290</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>INTEL CORP</nameOfIssuer>
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			<value>285</value>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>8800</Sole>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>INTEL CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>458140100</cusip>
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			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>7551</Sole>
				<Shared>2070</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTL BUSINESS MACHINES CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>3331</value>
			<shrsOrPrnAmt>
				<sshPrnamt>20753</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>20688</Sole>
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				<None>65</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTL BUSINESS MACHINES CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>459200101</cusip>
			<value>607</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3783</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>3533</Sole>
				<Shared>250</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTL BUSINESS MACHINES CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>459200101</cusip>
			<value>694</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4322</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>4322</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTERNATIONAL PAPER CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>1413</value>
			<shrsOrPrnAmt>
				<sshPrnamt>25460</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>22640</Sole>
				<Shared>0</Shared>
				<None>2820</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTERNATIONAL PAPER CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>460146103</cusip>
			<value>1008</value>
			<shrsOrPrnAmt>
				<sshPrnamt>18166</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>18166</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTERNATIONAL PAPER CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>460146103</cusip>
			<value>387</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6970</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>6970</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADEDFUNDS-EQUITY</titleOfClass>
			<cusip>464286533</cusip>
			<value>2007</value>
			<shrsOrPrnAmt>
				<sshPrnamt>34010</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>29543</Sole>
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			<shrsOrPrnAmt>
				<sshPrnamt>1000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>1000</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED</titleOfClass>
			<cusip>46625H365</cusip>
			<value>310</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7250</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>7250</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>JOHNSON AND JOHNSON</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>478160104</cusip>
			<value>6285</value>
			<shrsOrPrnAmt>
				<sshPrnamt>62479</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>57786</Sole>
				<Shared>0</Shared>
				<None>4693</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>JOHNSON AND JOHNSON</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>478160104</cusip>
			<value>920</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9146</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>7208</Sole>
				<Shared>1204</Shared>
				<None>734</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>JOHNSON AND JOHNSON</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>478160104</cusip>
			<value>68</value>
			<shrsOrPrnAmt>
				<sshPrnamt>680</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>620</Sole>
				<Shared>60</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>JOHNSON CONTROLS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>478366107</cusip>
			<value>300</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5945</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5845</Sole>
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				<None>100</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>JOHNSON CONTROLS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>478366107</cusip>
			<value>121</value>
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				<sshPrnamt>2400</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2400</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>KELLOGG CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>487836108</cusip>
			<value>685</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10385</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>10185</Sole>
				<Shared>0</Shared>
				<None>200</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>KIMBERLY CLARK CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>494368103</cusip>
			<value>2841</value>
			<shrsOrPrnAmt>
				<sshPrnamt>26525</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>24340</Sole>
				<Shared>0</Shared>
				<None>2185</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>KIMBERLY CLARK CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>494368103</cusip>
			<value>893</value>
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				<sshPrnamt>8339</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>7883</Sole>
				<Shared>312</Shared>
				<None>144</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>KIMBERLY CLARK CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>494368103</cusip>
			<value>1934</value>
			<shrsOrPrnAmt>
				<sshPrnamt>18055</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>16595</Sole>
				<Shared>460</Shared>
				<None>1000</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>KINDER MORGAN INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>49456B101</cusip>
			<value>973</value>
			<shrsOrPrnAmt>
				<sshPrnamt>23137</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>11558</Sole>
				<Shared>0</Shared>
				<None>11579</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>KINDER MORGAN INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>49456B101</cusip>
			<value>298</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7080</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>665</Sole>
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				<None>6415</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>KINDER MORGAN INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>49456B101</cusip>
			<value>94</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2236</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>2236</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>KRAFT FOODS GROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>50076Q106</cusip>
			<value>1405</value>
			<shrsOrPrnAmt>
				<sshPrnamt>16132</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>15870</Sole>
				<Shared>0</Shared>
				<None>262</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>KRAFT FOODS GROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>50076Q106</cusip>
			<value>342</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3926</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>3462</Sole>
				<Shared>0</Shared>
				<None>464</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>KROGER CO/THE</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>501044101</cusip>
			<value>1246</value>
			<shrsOrPrnAmt>
				<sshPrnamt>16250</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>16250</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LAM RESEARCH CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>512807108</cusip>
			<value>769</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10950</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>10950</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LAM RESEARCH CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>512807108</cusip>
			<value>34</value>
			<shrsOrPrnAmt>
				<sshPrnamt>490</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>490</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LEGGETT &amp; PLATT INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>524660107</cusip>
			<value>204</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4421</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4260</Sole>
				<Shared>0</Shared>
				<None>161</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LEGGETT &amp; PLATT INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>524660107</cusip>
			<value>62</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1355</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>1355</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ELI LILLY &amp; CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>532457108</cusip>
			<value>1227</value>
			<shrsOrPrnAmt>
				<sshPrnamt>16891</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>15491</Sole>
				<Shared>0</Shared>
				<None>1400</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ELI LILLY &amp; CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>532457108</cusip>
			<value>27</value>
			<shrsOrPrnAmt>
				<sshPrnamt>375</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>375</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ELI LILLY &amp; CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>532457108</cusip>
			<value>77</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1065</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>190</Sole>
				<Shared>875</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LINCOLN NATIONAL CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>534187109</cusip>
			<value>945</value>
			<shrsOrPrnAmt>
				<sshPrnamt>16445</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>16268</Sole>
				<Shared>0</Shared>
				<None>177</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LINCOLN NATIONAL CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>534187109</cusip>
			<value>88</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1540</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1540</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LINN ENERGY LLC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>536020100</cusip>
			<value>178</value>
			<shrsOrPrnAmt>
				<sshPrnamt>16100</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>16100</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LINN ENERGY LLC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>536020100</cusip>
			<value>28</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2560</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>2560</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LITTELFUSE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>537008104</cusip>
			<value>135</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1363</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>925</Sole>
				<Shared>0</Shared>
				<None>438</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LITTELFUSE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>537008104</cusip>
			<value>91</value>
			<shrsOrPrnAmt>
				<sshPrnamt>912</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>732</Sole>
				<Shared>0</Shared>
				<None>180</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>539830109</cusip>
			<value>1884</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9282</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6542</Sole>
				<Shared>0</Shared>
				<None>2740</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>539830109</cusip>
			<value>129</value>
			<shrsOrPrnAmt>
				<sshPrnamt>635</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>120</Sole>
				<Shared>515</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LORILLARD INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>544147101</cusip>
			<value>195</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2981</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2981</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LORILLARD INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>544147101</cusip>
			<value>133</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2030</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1625</Sole>
				<Shared>0</Shared>
				<None>405</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LORILLARD INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>544147101</cusip>
			<value>12</value>
			<shrsOrPrnAmt>
				<sshPrnamt>190</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>190</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>766</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10295</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>10295</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>112</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1504</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>964</Sole>
				<Shared>300</Shared>
				<None>240</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LOWE&apos;S COMPANIES, INC</nameOfIssuer>
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			<cusip>548661107</cusip>
			<value>7</value>
			<shrsOrPrnAmt>
				<sshPrnamt>100</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>100</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MACY&apos;S INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>55616P104</cusip>
			<value>1518</value>
			<shrsOrPrnAmt>
				<sshPrnamt>23391</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>21391</Sole>
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				<None>2000</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MAGELLAN MIDSTREAM PARTNERS</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>559080106</cusip>
			<value>798</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10400</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5000</Sole>
				<Shared>0</Shared>
				<None>5400</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MARATHON PETROLEUM CORPOR</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>244</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2384</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2384</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MARATHON PETROLEUM CORPOR</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>56585A102</cusip>
			<value>61</value>
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				<sshPrnamt>600</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>600</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MARKET VECTORS</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED-FIXED IN</titleOfClass>
			<cusip>57060U803</cusip>
			<value>2714</value>
			<shrsOrPrnAmt>
				<sshPrnamt>154550</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>154550</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MARKET VECTORS</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADEDFUNDS-FIXED IN</titleOfClass>
			<cusip>57060U878</cusip>
			<value>4795</value>
			<shrsOrPrnAmt>
				<sshPrnamt>153012</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>143974</Sole>
				<Shared>0</Shared>
				<None>9038</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MARKET VECTORS</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED</titleOfClass>
			<cusip>57060U878</cusip>
			<value>5</value>
			<shrsOrPrnAmt>
				<sshPrnamt>160</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>160</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MARKET VECTORS</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED</titleOfClass>
			<cusip>57060U878</cusip>
			<value>809</value>
			<shrsOrPrnAmt>
				<sshPrnamt>25827</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>25827</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MARKET VECTORS</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADEDFUNDS-FIXED IN</titleOfClass>
			<cusip>57061R486</cusip>
			<value>1254</value>
			<shrsOrPrnAmt>
				<sshPrnamt>49323</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>45323</Sole>
				<Shared>0</Shared>
				<None>4000</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MARKWEST ENERGY PARTNERS L P</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>570759100</cusip>
			<value>283</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4283</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3283</Sole>
				<Shared>0</Shared>
				<None>1000</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MARKWEST ENERGY PARTNERS L P</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>570759100</cusip>
			<value>132</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>2000</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MARSH AND MCLENNAN COS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>571748102</cusip>
			<value>105</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1872</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1872</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MARSH AND MCLENNAN COS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>571748102</cusip>
			<value>162</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2883</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>2313</Sole>
				<Shared>0</Shared>
				<None>570</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MASTERCARD INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>57636Q104</cusip>
			<value>2136</value>
			<shrsOrPrnAmt>
				<sshPrnamt>24720</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>24520</Sole>
				<Shared>0</Shared>
				<None>200</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>580135101</cusip>
			<value>2921</value>
			<shrsOrPrnAmt>
				<sshPrnamt>29976</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>28962</Sole>
				<Shared>0</Shared>
				<None>1014</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>580135101</cusip>
			<value>232</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2382</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>2013</Sole>
				<Shared>100</Shared>
				<None>269</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>580135101</cusip>
			<value>2</value>
			<shrsOrPrnAmt>
				<sshPrnamt>20</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>20</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MCKESSON CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>58155Q103</cusip>
			<value>967</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4276</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2866</Sole>
				<Shared>0</Shared>
				<None>1410</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MCKESSON CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>58155Q103</cusip>
			<value>8</value>
			<shrsOrPrnAmt>
				<sshPrnamt>35</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>35</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MEADWESTVACO CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>583334107</cusip>
			<value>991</value>
			<shrsOrPrnAmt>
				<sshPrnamt>19862</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>19822</Sole>
				<Shared>0</Shared>
				<None>40</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>58933Y105</cusip>
			<value>2973</value>
			<shrsOrPrnAmt>
				<sshPrnamt>51720</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>48430</Sole>
				<Shared>0</Shared>
				<None>3290</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>58933Y105</cusip>
			<value>756</value>
			<shrsOrPrnAmt>
				<sshPrnamt>13155</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>12543</Sole>
				<Shared>150</Shared>
				<None>462</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>58933Y105</cusip>
			<value>274</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4770</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>3770</Sole>
				<Shared>1000</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>METLIFE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>59156R108</cusip>
			<value>219</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4325</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4325</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>METLIFE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>59156R108</cusip>
			<value>45</value>
			<shrsOrPrnAmt>
				<sshPrnamt>891</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>891</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>METLIFE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>59156R108</cusip>
			<value>126</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2500</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<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>3454</value>
			<shrsOrPrnAmt>
				<sshPrnamt>84964</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>71687</Sole>
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				<None>13277</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>594918104</cusip>
			<value>653</value>
			<shrsOrPrnAmt>
				<sshPrnamt>16051</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>12051</Sole>
				<Shared>700</Shared>
				<None>3300</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>594918104</cusip>
			<value>52</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1287</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1287</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MICROCHIP TECHNOLOGY INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>595017104</cusip>
			<value>1328</value>
			<shrsOrPrnAmt>
				<sshPrnamt>27152</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>27033</Sole>
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				<None>119</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MICROCHIP TECHNOLOGY INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>595017104</cusip>
			<value>198</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4058</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>3249</Sole>
				<Shared>0</Shared>
				<None>809</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MITSUBISHI UFJ FINANCIAL GROUP</nameOfIssuer>
			<titleOfClass>ADRS</titleOfClass>
			<cusip>606822104</cusip>
			<value>74</value>
			<shrsOrPrnAmt>
				<sshPrnamt>11887</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>9653</Sole>
				<Shared>0</Shared>
				<None>2234</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MITSUBISHI UFJ FINANCIAL GROUP</nameOfIssuer>
			<titleOfClass>ADRS</titleOfClass>
			<cusip>606822104</cusip>
			<value>28</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4433</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>3548</Sole>
				<Shared>0</Shared>
				<None>885</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MOLSON COORS BREWING COMPANY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>60871R209</cusip>
			<value>239</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3210</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2990</Sole>
				<Shared>0</Shared>
				<None>220</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MOLSON COORS BREWING COMPANY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>60871R209</cusip>
			<value>10</value>
			<shrsOrPrnAmt>
				<sshPrnamt>130</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>130</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MONDELEZ INTERNATIONAL INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>609207105</cusip>
			<value>773</value>
			<shrsOrPrnAmt>
				<sshPrnamt>21424</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>20874</Sole>
				<Shared>0</Shared>
				<None>550</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>MORGAN STANLEY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>617446448</cusip>
			<value>2858</value>
			<shrsOrPrnAmt>
				<sshPrnamt>80081</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>64962</Sole>
				<Shared>0</Shared>
				<None>15119</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MORGAN STANLEY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>617446448</cusip>
			<value>127</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3557</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>3557</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NATIONAL GRID PLC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>636274300</cusip>
			<value>556</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8604</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>8500</Sole>
				<Shared>0</Shared>
				<None>104</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NATIONAL GRID PLC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>636274300</cusip>
			<value>132</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2042</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1639</Sole>
				<Shared>0</Shared>
				<None>403</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NATIONAL OILWELL VARCO INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>637071101</cusip>
			<value>1387</value>
			<shrsOrPrnAmt>
				<sshPrnamt>27754</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>19864</Sole>
				<Shared>0</Shared>
				<None>7890</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NATIONAL OILWELL VARCO INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>637071101</cusip>
			<value>7</value>
			<shrsOrPrnAmt>
				<sshPrnamt>150</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>150</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NATIONAL OILWELL VARCO INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>637071101</cusip>
			<value>15</value>
			<shrsOrPrnAmt>
				<sshPrnamt>310</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>310</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NEENAH PAPER INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>640079109</cusip>
			<value>45</value>
			<shrsOrPrnAmt>
				<sshPrnamt>727</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>727</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NEENAH PAPER INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>640079109</cusip>
			<value>95</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1515</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1204</Sole>
				<Shared>0</Shared>
				<None>311</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NEENAH PAPER INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>640079109</cusip>
			<value>93</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1484</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1484</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NEW YORK COMMUNITY BANCORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>649445103</cusip>
			<value>418</value>
			<shrsOrPrnAmt>
				<sshPrnamt>25000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>25000</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>65339F101</cusip>
			<value>885</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8502</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>8502</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>65339F101</cusip>
			<value>44</value>
			<shrsOrPrnAmt>
				<sshPrnamt>420</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>420</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>65339F101</cusip>
			<value>47</value>
			<shrsOrPrnAmt>
				<sshPrnamt>455</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>455</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NIKE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>654106103</cusip>
			<value>145</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1450</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1200</Sole>
				<Shared>0</Shared>
				<None>250</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NIKE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>654106103</cusip>
			<value>60</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>400</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3890</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3802</Sole>
				<Shared>0</Shared>
				<None>88</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NORFOLK SOUTHERN CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>655844108</cusip>
			<value>248</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2410</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1710</Sole>
				<Shared>0</Shared>
				<None>700</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NORTHROP GRUMMAN CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>666807102</cusip>
			<value>272</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1690</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1690</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NOVARTIS A G</nameOfIssuer>
			<titleOfClass>ADRS</titleOfClass>
			<cusip>66987V109</cusip>
			<value>220</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2231</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1976</Sole>
				<Shared>0</Shared>
				<None>255</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NOVARTIS A G</nameOfIssuer>
			<titleOfClass>ADRS</titleOfClass>
			<cusip>66987V109</cusip>
			<value>35</value>
			<shrsOrPrnAmt>
				<sshPrnamt>353</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>282</Sole>
				<Shared>0</Shared>
				<None>71</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NUVEEN</nameOfIssuer>
			<titleOfClass>TAX EXEMPT</titleOfClass>
			<cusip>67062N103</cusip>
			<value>485</value>
			<shrsOrPrnAmt>
				<sshPrnamt>36192</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>36192</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>67066G104</cusip>
			<value>2380</value>
			<shrsOrPrnAmt>
				<sshPrnamt>113725</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>87665</Sole>
				<Shared>0</Shared>
				<None>26060</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>67066G104</cusip>
			<value>78</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>OCCIDENTAL PETROLEUM CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>674599105</cusip>
			<value>1317</value>
			<shrsOrPrnAmt>
				<sshPrnamt>18045</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>13410</Sole>
				<Shared>0</Shared>
				<None>4635</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>OCCIDENTAL PETROLEUM CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>674599105</cusip>
			<value>148</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2025</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1622</Sole>
				<Shared>0</Shared>
				<None>403</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>OCCIDENTAL PETROLEUM CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>674599105</cusip>
			<value>28</value>
			<shrsOrPrnAmt>
				<sshPrnamt>390</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>390</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>OMNICOM GROUP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>681919106</cusip>
			<value>61</value>
			<shrsOrPrnAmt>
				<sshPrnamt>785</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>785</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>OMNICOM GROUP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>681919106</cusip>
			<value>210</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2690</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>2154</Sole>
				<Shared>0</Shared>
				<None>536</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ONEOK PARTNERS LP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>68268N103</cusip>
			<value>327</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>8000</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ORACLE CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>68389X105</cusip>
			<value>1676</value>
			<shrsOrPrnAmt>
				<sshPrnamt>38830</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>27430</Sole>
				<Shared>0</Shared>
				<None>11400</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ORACLE CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>68389X105</cusip>
			<value>4</value>
			<shrsOrPrnAmt>
				<sshPrnamt>100</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>100</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ORACLE CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>68389X105</cusip>
			<value>3</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>PG&amp;E CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>69331C108</cusip>
			<value>134</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2529</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2529</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PG&amp;E CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>69331C108</cusip>
			<value>74</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1395</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>1395</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PIMCO</nameOfIssuer>
			<titleOfClass>MUTUAL FUNDS -</titleOfClass>
			<cusip>693391104</cusip>
			<value>255</value>
			<shrsOrPrnAmt>
				<sshPrnamt>23055</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>23055</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PIMCO</nameOfIssuer>
			<titleOfClass>MUTUAL FUNDS -</titleOfClass>
			<cusip>693391104</cusip>
			<value>0</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>PNC FINL CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>693475105</cusip>
			<value>652</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6995</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5545</Sole>
				<Shared>0</Shared>
				<None>1450</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PNC FINL CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>693475105</cusip>
			<value>194</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2078</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2078</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PPG IND INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>693506107</cusip>
			<value>696</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3085</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3085</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PPG IND INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>693506107</cusip>
			<value>11</value>
			<shrsOrPrnAmt>
				<sshPrnamt>50</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>50</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PPL CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>69351T106</cusip>
			<value>4394</value>
			<shrsOrPrnAmt>
				<sshPrnamt>130526</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>128049</Sole>
				<Shared>0</Shared>
				<None>2477</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PPL CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>69351T106</cusip>
			<value>85</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2515</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>2037</Sole>
				<Shared>0</Shared>
				<None>478</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PPL CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>69351T106</cusip>
			<value>153</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4544</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2724</Sole>
				<Shared>1820</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PARDEE RESOURCES CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>699437109</cusip>
			<value>489</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2064</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>2064</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PARKWAY PROPERTIES INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>70159Q104</cusip>
			<value>643</value>
			<shrsOrPrnAmt>
				<sshPrnamt>37055</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>33055</Sole>
				<Shared>0</Shared>
				<None>4000</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PAYCHEX INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>704326107</cusip>
			<value>1220</value>
			<shrsOrPrnAmt>
				<sshPrnamt>24599</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>21079</Sole>
				<Shared>0</Shared>
				<None>3520</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PAYCHEX INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>704326107</cusip>
			<value>208</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4200</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>4200</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PAYCHEX INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>704326107</cusip>
			<value>93</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1870</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>1870</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PEPSICO INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>713448108</cusip>
			<value>4495</value>
			<shrsOrPrnAmt>
				<sshPrnamt>47011</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>43936</Sole>
				<Shared>0</Shared>
				<None>3075</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PEPSICO INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>713448108</cusip>
			<value>389</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4070</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>3993</Sole>
				<Shared>0</Shared>
				<None>77</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PEPSICO INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>713448108</cusip>
			<value>72</value>
			<shrsOrPrnAmt>
				<sshPrnamt>752</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>52</Sole>
				<Shared>700</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PFIZER INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>717081103</cusip>
			<value>4110</value>
			<shrsOrPrnAmt>
				<sshPrnamt>118124</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>98609</Sole>
				<Shared>0</Shared>
				<None>19515</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PFIZER INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>717081103</cusip>
			<value>972</value>
			<shrsOrPrnAmt>
				<sshPrnamt>27944</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>25750</Sole>
				<Shared>2194</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PFIZER INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>717081103</cusip>
			<value>104</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1000</Sole>
				<Shared>1650</Shared>
				<None>350</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PHILIP MORRIS INTERNATIONAL INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>718172109</cusip>
			<value>863</value>
			<shrsOrPrnAmt>
				<sshPrnamt>11451</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>8878</Sole>
				<Shared>0</Shared>
				<None>2573</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PHILIP MORRIS INTERNATIONAL INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>718172109</cusip>
			<value>389</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5170</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>3177</Sole>
				<Shared>0</Shared>
				<None>1993</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PHILIP MORRIS INTERNATIONAL INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>718172109</cusip>
			<value>43</value>
			<shrsOrPrnAmt>
				<sshPrnamt>575</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>375</Sole>
				<Shared>0</Shared>
				<None>200</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PHILLIPS 66</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>718546104</cusip>
			<value>888</value>
			<shrsOrPrnAmt>
				<sshPrnamt>11293</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>10724</Sole>
				<Shared>0</Shared>
				<None>569</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PHILLIPS 66</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>718546104</cusip>
			<value>14</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>PHILLIPS 66</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>718546104</cusip>
			<value>6</value>
			<shrsOrPrnAmt>
				<sshPrnamt>70</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>70</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PIMCO HIGH INCOME</nameOfIssuer>
			<titleOfClass>MUTUAL FUNDS -</titleOfClass>
			<cusip>722014107</cusip>
			<value>230</value>
			<shrsOrPrnAmt>
				<sshPrnamt>18448</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>18448</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PIMCO</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED</titleOfClass>
			<cusip>72201R783</cusip>
			<value>206</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2030</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2030</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PIMCO</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADEDFUNDS-FIXED IN</titleOfClass>
			<cusip>72201R833</cusip>
			<value>3785</value>
			<shrsOrPrnAmt>
				<sshPrnamt>37421</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>34578</Sole>
				<Shared>0</Shared>
				<None>2843</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PIMCO</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADEDFUNDS-FIXED IN</titleOfClass>
			<cusip>72201R833</cusip>
			<value>890</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8800</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>6700</Sole>
				<Shared>0</Shared>
				<None>2100</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PIMCO</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED</titleOfClass>
			<cusip>72201R866</cusip>
			<value>325</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6040</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6040</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PITNEY BOWES INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>724479100</cusip>
			<value>513</value>
			<shrsOrPrnAmt>
				<sshPrnamt>21990</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2890</Sole>
				<Shared>0</Shared>
				<None>19100</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PITNEY BOWES INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>724479100</cusip>
			<value>13</value>
			<shrsOrPrnAmt>
				<sshPrnamt>540</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>540</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>317</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6500</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4450</Sole>
				<Shared>0</Shared>
				<None>2050</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>POWERSHARES QQQ</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED</titleOfClass>
			<cusip>73935A104</cusip>
			<value>180</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1700</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1700</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>POWERSHARES QQQ</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED</titleOfClass>
			<cusip>73935A104</cusip>
			<value>211</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 QQQ</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED</titleOfClass>
			<cusip>73935A104</cusip>
			<value>53</value>
			<shrsOrPrnAmt>
				<sshPrnamt>500</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>500</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>POWERSHARES ETF</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED</titleOfClass>
			<cusip>73935X195</cusip>
			<value>266</value>
			<shrsOrPrnAmt>
				<sshPrnamt>23500</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>23500</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>POWERSHARES</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADEDFUNDS-FIXED IN</titleOfClass>
			<cusip>73936Q769</cusip>
			<value>1670</value>
			<shrsOrPrnAmt>
				<sshPrnamt>69310</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>68310</Sole>
				<Shared>0</Shared>
				<None>1000</None>
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		<infoTable>
			<nameOfIssuer>POWERSHARES</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED</titleOfClass>
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			<value>48</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2000</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>POWERSHARES</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADEDFUNDS-FIXED IN</titleOfClass>
			<cusip>73936T474</cusip>
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			<shrsOrPrnAmt>
				<sshPrnamt>813351</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>765039</Sole>
				<Shared>0</Shared>
				<None>48312</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>POWERSHARES</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADEDFUNDS-FIXED IN</titleOfClass>
			<cusip>73936T474</cusip>
			<value>372</value>
			<shrsOrPrnAmt>
				<sshPrnamt>14561</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>14171</Sole>
				<Shared>390</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>POWERSHARES</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADEDFUNDS-FIXED IN</titleOfClass>
			<cusip>73936T474</cusip>
			<value>934</value>
			<shrsOrPrnAmt>
				<sshPrnamt>36588</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>36364</Sole>
				<Shared>224</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>POWERSHARES</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADEDFUNDS-FIXED IN</titleOfClass>
			<cusip>73937B407</cusip>
			<value>1634</value>
			<shrsOrPrnAmt>
				<sshPrnamt>53795</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>51575</Sole>
				<Shared>0</Shared>
				<None>2220</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PRAXAIR INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>74005P104</cusip>
			<value>494</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4095</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3010</Sole>
				<Shared>0</Shared>
				<None>1085</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PRAXAIR INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>74005P104</cusip>
			<value>109</value>
			<shrsOrPrnAmt>
				<sshPrnamt>900</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>200</Shared>
				<None>700</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PRAXAIR INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>74005P104</cusip>
			<value>4</value>
			<shrsOrPrnAmt>
				<sshPrnamt>30</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>30</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>T ROWE PRICE GROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>340</value>
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				<sshPrnamt>4200</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4200</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>T ROWE PRICE GROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>74144T108</cusip>
			<value>81</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1000</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PRIMECAP</nameOfIssuer>
			<titleOfClass>MUTUAL FUNDS E</titleOfClass>
			<cusip>74160Q103</cusip>
			<value>225</value>
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				<sshPrnamt>8344</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>8344</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PROCTER AND GAMBLE CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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				<sshPrnamt>63526</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>60044</Sole>
				<Shared>0</Shared>
				<None>3482</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PROCTER AND GAMBLE CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>550</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6709</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>6093</Sole>
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				<None>616</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PROCTER AND GAMBLE CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>38831</Sole>
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				<None>1000</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PROOFPOINT INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>89</value>
			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>1500</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PROOFPOINT INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>743424103</cusip>
			<value>118</value>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>2000</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PROSHARES</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED</titleOfClass>
			<cusip>74347X849</cusip>
			<value>720</value>
			<shrsOrPrnAmt>
				<sshPrnamt>30000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>30000</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PROSPECT CAPITAL CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>8961</value>
			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1060467</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PRUDENTIAL FINANCIAL INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>744320102</cusip>
			<value>414</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5152</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4652</Sole>
				<Shared>0</Shared>
				<None>500</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PRUDENTIAL FINANCIAL INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>744320102</cusip>
			<value>16</value>
			<shrsOrPrnAmt>
				<sshPrnamt>200</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>200</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PRUDENTIAL FINANCIAL INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>744320102</cusip>
			<value>20</value>
			<shrsOrPrnAmt>
				<sshPrnamt>255</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>255</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PUBLIC SVC ENTERPRISE GROUP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>744573106</cusip>
			<value>223</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5309</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2309</Sole>
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				<None>3000</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PUBLIC SVC ENTERPRISE GROUP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>3</value>
			<shrsOrPrnAmt>
				<sshPrnamt>64</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>64</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PULTEGROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>745867101</cusip>
			<value>1398</value>
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				<sshPrnamt>62883</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>41053</Sole>
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				<None>21830</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PULTEGROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>745867101</cusip>
			<value>58</value>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2622</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>QUALCOMM INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>747525103</cusip>
			<value>498</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7179</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6879</Sole>
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				<None>300</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>QUALCOMM INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>747525103</cusip>
			<value>17</value>
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				<sshPrnamt>250</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>150</Sole>
				<Shared>100</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>QUALCOMM INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>747525103</cusip>
			<value>4</value>
			<shrsOrPrnAmt>
				<sshPrnamt>55</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>55</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>RAMCO-GERSHENSON PROPERTIES</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>751452202</cusip>
			<value>521</value>
			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>28000</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>RANGE RESOURCES CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>75281A109</cusip>
			<value>156</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>3000</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>RANGE RESOURCES CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>75281A109</cusip>
			<value>52</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>1000</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>RAYMOND JAMES FINL INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>754730109</cusip>
			<value>261</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4599</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3959</Sole>
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				<None>640</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>RAYMOND JAMES FINL INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>754730109</cusip>
			<value>76</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1340</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1075</Sole>
				<Shared>0</Shared>
				<None>265</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>RAYTHEON CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>755111507</cusip>
			<value>258</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2359</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1836</Sole>
				<Shared>0</Shared>
				<None>523</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>RAYTHEON CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>755111507</cusip>
			<value>107</value>
			<shrsOrPrnAmt>
				<sshPrnamt>983</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>138</Sole>
				<Shared>345</Shared>
				<None>500</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>REALTY INCOME CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>756109104</cusip>
			<value>732</value>
			<shrsOrPrnAmt>
				<sshPrnamt>14193</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>14193</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>REALTY INCOME CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>756109104</cusip>
			<value>47</value>
			<shrsOrPrnAmt>
				<sshPrnamt>906</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>725</Sole>
				<Shared>0</Shared>
				<None>181</None>
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		<infoTable>
			<nameOfIssuer>REALTY INCOME CORPORATION</nameOfIssuer>
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				<sshPrnamt>2510</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>2510</None>
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		<infoTable>
			<nameOfIssuer>REGIONS FINANCIAL CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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				<sshPrnamt>82730</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>82730</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>REGIONS FINANCIAL CORPORATION</nameOfIssuer>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>800</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>REGIONS FINANCIAL CORPORATION</nameOfIssuer>
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				<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>REYNOLDS AMERICAN INC</nameOfIssuer>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>9252</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>REYNOLDS AMERICAN INC</nameOfIssuer>
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				<sshPrnamt>2314</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1852</Sole>
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				<None>462</None>
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		<infoTable>
			<nameOfIssuer>RIDGEWORTH</nameOfIssuer>
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				<sshPrnamt>30421</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>25840</Sole>
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				<None>4581</None>
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		<infoTable>
			<nameOfIssuer>RIDGEWORTH</nameOfIssuer>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1182</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>RIDGEWORTH</nameOfIssuer>
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				<sshPrnamt>2177</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2145</Sole>
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				<None>32</None>
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		<infoTable>
			<nameOfIssuer>ROBERT HALF INTL INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>399</value>
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				<sshPrnamt>6593</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6010</Sole>
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				<None>583</None>
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		<infoTable>
			<nameOfIssuer>ROBERT HALF INTL INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>75</value>
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				<sshPrnamt>1239</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>992</Sole>
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				<None>247</None>
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		<infoTable>
			<nameOfIssuer>ROSS STORES INC</nameOfIssuer>
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			<cusip>778296103</cusip>
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				<sshPrnamt>22800</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>22800</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>ROYAL DUTCH SHELL PLC - ADR</nameOfIssuer>
			<titleOfClass>ADRS</titleOfClass>
			<cusip>780259107</cusip>
			<value>424</value>
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				<sshPrnamt>6758</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6758</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>ROYAL DUTCH SHELL PLC - ADR</nameOfIssuer>
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				<sshPrnamt>1640</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1316</Sole>
				<Shared>0</Shared>
				<None>324</None>
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		<infoTable>
			<nameOfIssuer>ROYAL DUTCH SHELL PLC - ADR</nameOfIssuer>
			<titleOfClass>ADRS</titleOfClass>
			<cusip>780259206</cusip>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3497</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>ROYAL DUTCH SHELL PLC - ADR</nameOfIssuer>
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				<sshPrnamt>2688</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1996</Sole>
				<Shared>200</Shared>
				<None>492</None>
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		<infoTable>
			<nameOfIssuer>SPDR S&amp;P 500 ETF TRUST</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADEDFUNDS-EQUITY</titleOfClass>
			<cusip>78462F103</cusip>
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				<sshPrnamt>47824</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>41324</Sole>
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				<None>6500</None>
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		<infoTable>
			<nameOfIssuer>SPDR S&amp;P 500 ETF TRUST</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED</titleOfClass>
			<cusip>78462F103</cusip>
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				<sshPrnamt>2020</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2020</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>SPDR</nameOfIssuer>
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			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6951</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>SPDR</nameOfIssuer>
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			<cusip>78463V107</cusip>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>SPDR</nameOfIssuer>
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			<cusip>78463V107</cusip>
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			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>478</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>SPDR</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADEDFUNDS-FIXED IN</titleOfClass>
			<cusip>78464A425</cusip>
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			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>SPDR</nameOfIssuer>
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			<cusip>78464A425</cusip>
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			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>SPDR</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED</titleOfClass>
			<cusip>78464A425</cusip>
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			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>SPDR</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADEDFUNDS-FIXED IN</titleOfClass>
			<cusip>78464A458</cusip>
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			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>36234</Sole>
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		<infoTable>
			<nameOfIssuer>SPDR</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADEDFUNDS-EQUITY</titleOfClass>
			<cusip>78464A763</cusip>
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			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2572</Sole>
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				<None>240</None>
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		<infoTable>
			<nameOfIssuer>SPDR</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED</titleOfClass>
			<cusip>78464A763</cusip>
			<value>24</value>
			<shrsOrPrnAmt>
				<sshPrnamt>306</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TRUST</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED</titleOfClass>
			<cusip>78467Y107</cusip>
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			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>34279</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TRUST</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED</titleOfClass>
			<cusip>78467Y107</cusip>
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			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1605</Sole>
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		<infoTable>
			<nameOfIssuer>SPDR BARCLAYS</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADEDFUNDS-FIXED IN</titleOfClass>
			<cusip>78468R408</cusip>
			<value>11519</value>
			<shrsOrPrnAmt>
				<sshPrnamt>394610</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>355219</Sole>
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				<None>39391</None>
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		<infoTable>
			<nameOfIssuer>SPDR BARCLAYS</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADEDFUNDS-FIXED IN</titleOfClass>
			<cusip>78468R408</cusip>
			<value>127</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4335</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>4165</Sole>
				<Shared>170</Shared>
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		<infoTable>
			<nameOfIssuer>SPDR BARCLAYS</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADEDFUNDS-FIXED IN</titleOfClass>
			<cusip>78468R408</cusip>
			<value>929</value>
			<shrsOrPrnAmt>
				<sshPrnamt>31843</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>31646</Sole>
				<Shared>197</Shared>
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		<infoTable>
			<nameOfIssuer>THE ST JOE COMPANY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>790148100</cusip>
			<value>276</value>
			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>14889</Sole>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>ST JUDE MEDICAL INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>790849103</cusip>
			<value>123</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1883</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>883</Sole>
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				<None>1000</None>
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		<infoTable>
			<nameOfIssuer>ST JUDE MEDICAL INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>790849103</cusip>
			<value>105</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1600</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>1600</None>
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		<infoTable>
			<nameOfIssuer>SCANA CORP NEW</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>80589M102</cusip>
			<value>100</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1810</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1810</Sole>
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		<infoTable>
			<nameOfIssuer>SCANA CORP NEW</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>80589M102</cusip>
			<value>110</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>SCHLUMBERGER LTD</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>806857108</cusip>
			<value>1211</value>
			<shrsOrPrnAmt>
				<sshPrnamt>14518</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>10158</Sole>
				<Shared>0</Shared>
				<None>4360</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>806857108</cusip>
			<value>130</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1553</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>282</Sole>
				<Shared>0</Shared>
				<None>1271</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>806857108</cusip>
			<value>421</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5040</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>5040</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CHARLES SCHWAB CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>808513105</cusip>
			<value>284</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9342</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>9342</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SENIOR HSG PROPERTIES TR</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>81721M109</cusip>
			<value>160</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7218</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>7218</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SENIOR HSG PROPERTIES TR</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>81721M109</cusip>
			<value>42</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1879</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1504</Sole>
				<Shared>0</Shared>
				<None>375</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>2628</value>
			<shrsOrPrnAmt>
				<sshPrnamt>17867</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>13717</Sole>
				<Shared>0</Shared>
				<None>4150</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SOUTHERN CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>842587107</cusip>
			<value>4920</value>
			<shrsOrPrnAmt>
				<sshPrnamt>111108</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>108091</Sole>
				<Shared>0</Shared>
				<None>3017</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SOUTHERN CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>842587107</cusip>
			<value>326</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7358</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>5192</Sole>
				<Shared>1700</Shared>
				<None>466</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SOUTHERN CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>842587107</cusip>
			<value>523</value>
			<shrsOrPrnAmt>
				<sshPrnamt>11806</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>9056</Sole>
				<Shared>1750</Shared>
				<None>1000</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPECTRA ENERGY CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>847560109</cusip>
			<value>959</value>
			<shrsOrPrnAmt>
				<sshPrnamt>26500</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>24675</Sole>
				<Shared>0</Shared>
				<None>1825</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPECTRA ENERGY CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>847560109</cusip>
			<value>194</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5350</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>5350</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>855244109</cusip>
			<value>331</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3497</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3497</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>855244109</cusip>
			<value>2</value>
			<shrsOrPrnAmt>
				<sshPrnamt>20</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>20</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>STATE STREET CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>857477103</cusip>
			<value>66</value>
			<shrsOrPrnAmt>
				<sshPrnamt>903</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>903</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>STATE STREET CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>857477103</cusip>
			<value>185</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2522</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>2019</Sole>
				<Shared>0</Shared>
				<None>503</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>STERICYCLE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>858912108</cusip>
			<value>342</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2434</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2434</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SUN LIFE FINANCIAL INC</nameOfIssuer>
			<titleOfClass>FOREIGN STOCK</titleOfClass>
			<cusip>866796105</cusip>
			<value>230</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7465</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6763</Sole>
				<Shared>0</Shared>
				<None>702</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SUN LIFE FINANCIAL INC</nameOfIssuer>
			<titleOfClass>FOREIGN STOCK</titleOfClass>
			<cusip>866796105</cusip>
			<value>41</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1336</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1070</Sole>
				<Shared>0</Shared>
				<None>266</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SYSCO CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>871829107</cusip>
			<value>1185</value>
			<shrsOrPrnAmt>
				<sshPrnamt>31398</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>27548</Sole>
				<Shared>0</Shared>
				<None>3850</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SYSCO CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>871829107</cusip>
			<value>253</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6702</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>5311</Sole>
				<Shared>500</Shared>
				<None>891</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SYSCO CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>871829107</cusip>
			<value>121</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3210</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1500</Sole>
				<Shared>1710</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TARGET CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>87612E106</cusip>
			<value>1347</value>
			<shrsOrPrnAmt>
				<sshPrnamt>16414</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>14013</Sole>
				<Shared>0</Shared>
				<None>2401</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TARGET CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>87612E106</cusip>
			<value>259</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3150</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>3150</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TARGET CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>87612E106</cusip>
			<value>81</value>
			<shrsOrPrnAmt>
				<sshPrnamt>990</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>50</Sole>
				<Shared>940</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>883556102</cusip>
			<value>1372</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10216</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>9376</Sole>
				<Shared>0</Shared>
				<None>840</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>883556102</cusip>
			<value>24</value>
			<shrsOrPrnAmt>
				<sshPrnamt>180</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>180</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>3M COMPANY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>88579Y101</cusip>
			<value>2032</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12317</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>12219</Sole>
				<Shared>0</Shared>
				<None>98</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>3M COMPANY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>88579Y101</cusip>
			<value>329</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1994</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1789</Sole>
				<Shared>0</Shared>
				<None>205</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>3M COMPANY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>88579Y101</cusip>
			<value>18</value>
			<shrsOrPrnAmt>
				<sshPrnamt>107</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>107</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TORCHMARK CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>891027104</cusip>
			<value>269</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4894</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4597</Sole>
				<Shared>0</Shared>
				<None>297</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TORCHMARK CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>891027104</cusip>
			<value>2554</value>
			<shrsOrPrnAmt>
				<sshPrnamt>46500</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>46500</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TOTAL SA - SPON ADR</nameOfIssuer>
			<titleOfClass>ADRS</titleOfClass>
			<cusip>89151E109</cusip>
			<value>436</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8771</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>8771</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TOTAL SA - SPON ADR</nameOfIssuer>
			<titleOfClass>ADRS</titleOfClass>
			<cusip>89151E109</cusip>
			<value>110</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2218</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1779</Sole>
				<Shared>0</Shared>
				<None>439</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>THE TRAVELERS COMPANIES INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>89417E109</cusip>
			<value>918</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8493</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4008</Sole>
				<Shared>0</Shared>
				<None>4485</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>THE TRAVELERS COMPANIES INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>89417E109</cusip>
			<value>19</value>
			<shrsOrPrnAmt>
				<sshPrnamt>178</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>178</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>THE TRAVELERS COMPANIES INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>89417E109</cusip>
			<value>24</value>
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				<sshPrnamt>225</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>225</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>TRUSTMARK CORP</nameOfIssuer>
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			<cusip>898402102</cusip>
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				<sshPrnamt>429189</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>8239</Sole>
				<Shared>2000</Shared>
				<None>418950</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>TRUSTMARK CORP</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>1033</Shared>
				<None>2895</None>
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		<infoTable>
			<nameOfIssuer>TRUSTMARK CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>898402102</cusip>
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				<sshPrnamt>141547</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>141547</None>
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		<infoTable>
			<nameOfIssuer>TYSON FOODS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>902494103</cusip>
			<value>302</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7885</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>7685</Sole>
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				<None>200</None>
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		<infoTable>
			<nameOfIssuer>TYSON FOODS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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				<sshPrnamt>1371</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1371</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>US BANCORP DEL</nameOfIssuer>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1464</Sole>
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				<None>200</None>
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		<infoTable>
			<nameOfIssuer>US BANCORP DEL</nameOfIssuer>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>8520</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>UNILEVER PLC</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>7807</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>UNILEVER PLC</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>420</None>
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		<infoTable>
			<nameOfIssuer>UNION PACIFIC CORP</nameOfIssuer>
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				<Sole>1178</Sole>
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				<None>220</None>
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		<infoTable>
			<nameOfIssuer>UNION PACIFIC CORP</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>UNION PACIFIC CORP</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>7458</Sole>
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				<None>2105</None>
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		<infoTable>
			<nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1700</Sole>
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		<infoTable>
			<nameOfIssuer>UNITED RENTALS INC</nameOfIssuer>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
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				<None>2000</None>
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		<infoTable>
			<nameOfIssuer>UNITED RENTALS INC</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>UNITED TECHNOLOGIES CORP</nameOfIssuer>
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			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>UNITED TECHNOLOGIES CORP</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
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				<None>900</None>
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		<infoTable>
			<nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
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			<votingAuthority>
				<Sole>19710</Sole>
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				<None>500</None>
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		<infoTable>
			<nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
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				<None>334</None>
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		<infoTable>
			<nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>V F CORP</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
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				<None>640</None>
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		<infoTable>
			<nameOfIssuer>VANGUARD</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
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				<None>3610</None>
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		<infoTable>
			<nameOfIssuer>VANGUARD</nameOfIssuer>
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			<votingAuthority>
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				<None>4679</None>
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		<infoTable>
			<nameOfIssuer>VANGUARD</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>VANGUARD</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>VANGUARD NATURAL RESOURCES LLC</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>VANGUARD NATURAL RESOURCES LLC</nameOfIssuer>
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		<infoTable>
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			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>VANGUARD</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>VANGUARD</nameOfIssuer>
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			<cusip>92206C409</cusip>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>VECTREN CORP</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>VECTREN CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>287</value>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>6494</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VENTAS INC</nameOfIssuer>
			<titleOfClass>REIT</titleOfClass>
			<cusip>92276F100</cusip>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4016</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VENTAS INC</nameOfIssuer>
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			<cusip>92276F100</cusip>
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				<sshPrnamt>1057</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>848</Sole>
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				<None>209</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
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		<infoTable>
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		<infoTable>
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		<infoTable>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>WELLS FARGO &amp; COMPANY</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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		<infoTable>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>WEYERHAEUSER CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>962166104</cusip>
			<value>108</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3265</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>3265</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WEYERHAEUSER CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>962166104</cusip>
			<value>348</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10487</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>10487</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WHOLE FOODS MARKET INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>966837106</cusip>
			<value>203</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3900</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3900</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WILLIAMS COMPANIES INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>969457100</cusip>
			<value>380</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7513</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>7513</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WILLIAMS COMPANIES INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>969457100</cusip>
			<value>104</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2059</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1651</Sole>
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				<None>408</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WILLIAMS COMPANIES INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>969457100</cusip>
			<value>40</value>
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				<sshPrnamt>800</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>800</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WINDSTREAM HOLDINGS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>97382A101</cusip>
			<value>322</value>
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				<sshPrnamt>43550</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>43550</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WISDOMTREE</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADEDFUNDS-EQUITY</titleOfClass>
			<cusip>97717W505</cusip>
			<value>687</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7982</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>7254</Sole>
				<Shared>0</Shared>
				<None>728</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>XEROX CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>984121103</cusip>
			<value>567</value>
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				<sshPrnamt>44110</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>15420</Sole>
				<Shared>0</Shared>
				<None>28690</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>XEROX CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>984121103</cusip>
			<value>9</value>
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				<sshPrnamt>710</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>710</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ZIMMER HLDGS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>98956P102</cusip>
			<value>244</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2079</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2079</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ZOETIS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>98978V103</cusip>
			<value>286</value>
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				<sshPrnamt>6178</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6178</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>ACTAVIS PLC</nameOfIssuer>
			<titleOfClass>FOREIGN STOCK</titleOfClass>
			<cusip>G0083B108</cusip>
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				<sshPrnamt>5826</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1283</Sole>
				<Shared>0</Shared>
				<None>4543</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ACTAVIS PLC</nameOfIssuer>
			<titleOfClass>FOREIGN STOCK</titleOfClass>
			<cusip>G0083B108</cusip>
			<value>203</value>
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				<sshPrnamt>682</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>66</Sole>
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				<None>616</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AMDOCS LTD</nameOfIssuer>
			<titleOfClass>FOREIGN STOCK</titleOfClass>
			<cusip>G02602103</cusip>
			<value>216</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3964</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3648</Sole>
				<Shared>0</Shared>
				<None>316</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AMDOCS LTD</nameOfIssuer>
			<titleOfClass>FOREIGN STOCK</titleOfClass>
			<cusip>G02602103</cusip>
			<value>35</value>
			<shrsOrPrnAmt>
				<sshPrnamt>647</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>518</Sole>
				<Shared>0</Shared>
				<None>129</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AON PLC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>G0408V102</cusip>
			<value>219</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2275</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2093</Sole>
				<Shared>0</Shared>
				<None>182</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AON PLC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>G0408V102</cusip>
			<value>33</value>
			<shrsOrPrnAmt>
				<sshPrnamt>347</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>278</Sole>
				<Shared>0</Shared>
				<None>69</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DELPHI AUTOMOTIVE PLC</nameOfIssuer>
			<titleOfClass>FOREIGN STOCK</titleOfClass>
			<cusip>G27823106</cusip>
			<value>620</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7770</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>7366</Sole>
				<Shared>0</Shared>
				<None>404</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DELPHI AUTOMOTIVE PLC</nameOfIssuer>
			<titleOfClass>FOREIGN STOCK</titleOfClass>
			<cusip>G27823106</cusip>
			<value>52</value>
			<shrsOrPrnAmt>
				<sshPrnamt>651</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>521</Sole>
				<Shared>0</Shared>
				<None>130</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DELPHI AUTOMOTIVE PLC</nameOfIssuer>
			<titleOfClass>FOREIGN STOCK</titleOfClass>
			<cusip>G27823106</cusip>
			<value>55</value>
			<shrsOrPrnAmt>
				<sshPrnamt>686</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>686</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EATON CORP PLC</nameOfIssuer>
			<titleOfClass>FOREIGN STOCK</titleOfClass>
			<cusip>G29183103</cusip>
			<value>1498</value>
			<shrsOrPrnAmt>
				<sshPrnamt>22048</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>19148</Sole>
				<Shared>0</Shared>
				<None>2900</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EATON CORP PLC</nameOfIssuer>
			<titleOfClass>FOREIGN STOCK</titleOfClass>
			<cusip>G29183103</cusip>
			<value>17</value>
			<shrsOrPrnAmt>
				<sshPrnamt>250</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>250</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ICON PLC</nameOfIssuer>
			<titleOfClass>FOREIGN STOCK</titleOfClass>
			<cusip>G4705A100</cusip>
			<value>175</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2484</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2214</Sole>
				<Shared>0</Shared>
				<None>270</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ICON PLC</nameOfIssuer>
			<titleOfClass>FOREIGN STOCK</titleOfClass>
			<cusip>G4705A100</cusip>
			<value>36</value>
			<shrsOrPrnAmt>
				<sshPrnamt>515</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>412</Sole>
				<Shared>0</Shared>
				<None>103</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INGERSOLL-RAND PLC</nameOfIssuer>
			<titleOfClass>FOREIGN STOCK</titleOfClass>
			<cusip>G47791101</cusip>
			<value>230</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3376</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3376</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INGERSOLL-RAND PLC</nameOfIssuer>
			<titleOfClass>FOREIGN STOCK</titleOfClass>
			<cusip>G47791101</cusip>
			<value>68</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>MEDTRONIC PLC</nameOfIssuer>
			<titleOfClass>FOREIGN STOCK</titleOfClass>
			<cusip>G5960L103</cusip>
			<value>604</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7745</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5370</Sole>
				<Shared>0</Shared>
				<None>2375</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
			<titleOfClass>FOREIGN STOCK</titleOfClass>
			<cusip>G5960L103</cusip>
			<value>156</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>2000</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
			<titleOfClass>FOREIGN STOCK</titleOfClass>
			<cusip>G5960L103</cusip>
			<value>13</value>
			<shrsOrPrnAmt>
				<sshPrnamt>170</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>170</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HOME LN SERVICING SOLU</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>G6648D109</cusip>
			<value>496</value>
			<shrsOrPrnAmt>
				<sshPrnamt>30000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>30000</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SEADRILL LTD</nameOfIssuer>
			<titleOfClass>FOREIGN STOCK</titleOfClass>
			<cusip>G7945E105</cusip>
			<value>56</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6000</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SEADRILL LTD</nameOfIssuer>
			<titleOfClass>FOREIGN STOCK</titleOfClass>
			<cusip>G7945E105</cusip>
			<value>37</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>4000</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SEAGATE TECHNOLOGY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>G7945M107</cusip>
			<value>298</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5719</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5068</Sole>
				<Shared>0</Shared>
				<None>651</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SEAGATE TECHNOLOGY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>G7945M107</cusip>
			<value>22</value>
			<shrsOrPrnAmt>
				<sshPrnamt>431</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>345</Sole>
				<Shared>0</Shared>
				<None>86</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SEAGATE TECHNOLOGY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>G7945M107</cusip>
			<value>9</value>
			<shrsOrPrnAmt>
				<sshPrnamt>165</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>165</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ACE LIMITED</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>H0023R105</cusip>
			<value>1071</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9610</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>9610</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ACE LIMITED</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>H0023R105</cusip>
			<value>13</value>
			<shrsOrPrnAmt>
				<sshPrnamt>120</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>120</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LYONDELLBASELL INDUSTRIES NV</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>N53745100</cusip>
			<value>604</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6878</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5292</Sole>
				<Shared>0</Shared>
				<None>1586</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LYONDELLBASELL INDUSTRIES NV</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>N53745100</cusip>
			<value>32</value>
			<shrsOrPrnAmt>
				<sshPrnamt>370</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>296</Sole>
				<Shared>0</Shared>
				<None>74</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LYONDELLBASELL INDUSTRIES NV</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>N53745100</cusip>
			<value>3</value>
			<shrsOrPrnAmt>
				<sshPrnamt>30</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>30</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NIELSEN HOLDINGS B V</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>N63218106</cusip>
			<value>251</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5641</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5546</Sole>
				<Shared>0</Shared>
				<None>95</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NXP SEMICONDUCTORS N V</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>N6596X109</cusip>
			<value>213</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2120</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1858</Sole>
				<Shared>0</Shared>
				<None>262</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NXP SEMICONDUCTORS N V</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>N6596X109</cusip>
			<value>50</value>
			<shrsOrPrnAmt>
				<sshPrnamt>498</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>399</Sole>
				<Shared>0</Shared>
				<None>99</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AVAGO TECHNOLOGIES LTD</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>Y0486S104</cusip>
			<value>255</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2008</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1790</Sole>
				<Shared>0</Shared>
				<None>218</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AVAGO TECHNOLOGIES LTD</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>Y0486S104</cusip>
			<value>53</value>
			<shrsOrPrnAmt>
				<sshPrnamt>418</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>335</Sole>
				<Shared>0</Shared>
				<None>83</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CAPITAL PRODUCT PARTNERS LP</nameOfIssuer>
			<titleOfClass>FOREIGN STOCK</titleOfClass>
			<cusip>Y11082107</cusip>
			<value>475</value>
			<shrsOrPrnAmt>
				<sshPrnamt>50000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>50000</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
</informationTable>
