<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>24898</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>20763</Sole>
				<Shared>0</Shared>
				<None>4135</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AFLAC INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>001055102</cusip>
			<value>284</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4562</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>3896</Sole>
				<Shared>300</Shared>
				<None>366</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALERIAN MLP</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADEDFUNDS-EQUITY</titleOfClass>
			<cusip>00162Q866</cusip>
			<value>3027</value>
			<shrsOrPrnAmt>
				<sshPrnamt>194566</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>190131</Sole>
				<Shared>0</Shared>
				<None>4435</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALERIAN MLP</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADEDFUNDS-EQUITY</titleOfClass>
			<cusip>00162Q866</cusip>
			<value>65</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4189</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>3889</Sole>
				<Shared>300</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALERIAN MLP</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADEDFUNDS-EQUITY</titleOfClass>
			<cusip>00162Q866</cusip>
			<value>146</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9390</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>8840</Sole>
				<Shared>550</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AT&amp;T INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>00206R102</cusip>
			<value>5291</value>
			<shrsOrPrnAmt>
				<sshPrnamt>148956</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>140133</Sole>
				<Shared>0</Shared>
				<None>8823</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AT&amp;T INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>00206R102</cusip>
			<value>295</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8318</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>7286</Sole>
				<Shared>200</Shared>
				<None>832</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AT&amp;T INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>00206R102</cusip>
			<value>620</value>
			<shrsOrPrnAmt>
				<sshPrnamt>17463</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>17463</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ABBOTT LABORATORIES</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>002824100</cusip>
			<value>1850</value>
			<shrsOrPrnAmt>
				<sshPrnamt>37693</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>36993</Sole>
				<Shared>0</Shared>
				<None>700</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ABBOTT LABORATORIES</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>002824100</cusip>
			<value>221</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4496</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>3196</Sole>
				<Shared>400</Shared>
				<None>900</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ABBVIE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>00287Y109</cusip>
			<value>2397</value>
			<shrsOrPrnAmt>
				<sshPrnamt>35670</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>34669</Sole>
				<Shared>0</Shared>
				<None>1001</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ABBVIE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>00287Y109</cusip>
			<value>7</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>93</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>211</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>259</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>246</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1929</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1929</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AKAMAI TECHNOLOGIES INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>00971T101</cusip>
			<value>285</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4077</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4077</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AKORN INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>009728106</cusip>
			<value>259</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>380</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5857</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5587</Sole>
				<Shared>0</Shared>
				<None>270</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALLSTATE CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>020002101</cusip>
			<value>36</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>1505</value>
			<shrsOrPrnAmt>
				<sshPrnamt>30762</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>27762</Sole>
				<Shared>0</Shared>
				<None>3000</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>02209S103</cusip>
			<value>233</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4763</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>4184</Sole>
				<Shared>0</Shared>
				<None>579</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>02209S103</cusip>
			<value>41</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>484</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9139</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6589</Sole>
				<Shared>0</Shared>
				<None>2550</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AMERICAN ELECTRIC POWER</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>025537101</cusip>
			<value>25</value>
			<shrsOrPrnAmt>
				<sshPrnamt>467</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>334</Sole>
				<Shared>0</Shared>
				<None>133</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>025816109</cusip>
			<value>1156</value>
			<shrsOrPrnAmt>
				<sshPrnamt>14880</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>13680</Sole>
				<Shared>0</Shared>
				<None>1200</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>025816109</cusip>
			<value>279</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>2673</value>
			<shrsOrPrnAmt>
				<sshPrnamt>43245</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>27795</Sole>
				<Shared>0</Shared>
				<None>15450</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AMERICAN INTERNATIONAL</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>026874784</cusip>
			<value>247</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>114</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1850</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1850</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AMGEN INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>031162100</cusip>
			<value>1175</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7656</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>7356</Sole>
				<Shared>0</Shared>
				<None>300</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AMGEN INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>031162100</cusip>
			<value>226</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1473</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>814</Sole>
				<Shared>400</Shared>
				<None>259</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ANADARKO PETROLEUM CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>032511107</cusip>
			<value>616</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7890</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2190</Sole>
				<Shared>0</Shared>
				<None>5700</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ANADARKO PETROLEUM CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>032511107</cusip>
			<value>86</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>99</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>2977</value>
			<shrsOrPrnAmt>
				<sshPrnamt>18134</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>17034</Sole>
				<Shared>0</Shared>
				<None>1100</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ANTHEM INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>036752103</cusip>
			<value>52</value>
			<shrsOrPrnAmt>
				<sshPrnamt>314</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>314</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>APACHE CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>037411105</cusip>
			<value>253</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4393</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4393</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>APPLE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>037833100</cusip>
			<value>4505</value>
			<shrsOrPrnAmt>
				<sshPrnamt>35917</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>32457</Sole>
				<Shared>0</Shared>
				<None>3460</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>APPLE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>037833100</cusip>
			<value>125</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>787</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6275</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>6275</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ARCHER DANIELS M IDLAND</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>039483102</cusip>
			<value>1578</value>
			<shrsOrPrnAmt>
				<sshPrnamt>32735</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>21935</Sole>
				<Shared>0</Shared>
				<None>10800</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ARCHER DANIELS M IDLAND</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>37</value>
			<shrsOrPrnAmt>
				<sshPrnamt>467</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>309</Sole>
				<Shared>0</Shared>
				<None>158</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AUTOMATIC DATA PROCESSING INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>053015103</cusip>
			<value>163</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2036</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1719</Sole>
				<Shared>0</Shared>
				<None>317</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BCE INC</nameOfIssuer>
			<titleOfClass>FOREIGN STOCK</titleOfClass>
			<cusip>05534B760</cusip>
			<value>439</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10338</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>10338</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BCE INC</nameOfIssuer>
			<titleOfClass>FOREIGN STOCK</titleOfClass>
			<cusip>05534B760</cusip>
			<value>81</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1911</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1347</Sole>
				<Shared>0</Shared>
				<None>564</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BP P L C</nameOfIssuer>
			<titleOfClass>ADRS</titleOfClass>
			<cusip>055622104</cusip>
			<value>808</value>
			<shrsOrPrnAmt>
				<sshPrnamt>20223</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>18323</Sole>
				<Shared>0</Shared>
				<None>1900</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BP P L C</nameOfIssuer>
			<titleOfClass>ADRS</titleOfClass>
			<cusip>055622104</cusip>
			<value>92</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2303</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1620</Sole>
				<Shared>0</Shared>
				<None>683</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BALL CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>058498106</cusip>
			<value>436</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>206</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7979</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>7979</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BANK OF AMERICA CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>060505104</cusip>
			<value>827</value>
			<shrsOrPrnAmt>
				<sshPrnamt>48608</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>46255</Sole>
				<Shared>0</Shared>
				<None>2353</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BANK OF AMERICA CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>060505104</cusip>
			<value>157</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9209</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>9209</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BARD C R INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>067383109</cusip>
			<value>504</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>BAXTER INTERNATIONAL INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>071813109</cusip>
			<value>305</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4363</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4163</Sole>
				<Shared>0</Shared>
				<None>200</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BAXTER INTERNATIONAL INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>071813109</cusip>
			<value>316</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4524</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>4280</Sole>
				<Shared>0</Shared>
				<None>244</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BAXTER INTERNATIONAL INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>071813109</cusip>
			<value>397</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5670</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>5670</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BAYER AG-SPONS ADR</nameOfIssuer>
			<titleOfClass>ADRS</titleOfClass>
			<cusip>072730302</cusip>
			<value>104</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>43</value>
			<shrsOrPrnAmt>
				<sshPrnamt>309</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>261</Sole>
				<Shared>0</Shared>
				<None>48</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BAYER AG-SPONS ADR</nameOfIssuer>
			<titleOfClass>ADRS</titleOfClass>
			<cusip>072730302</cusip>
			<value>84</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>1684</value>
			<shrsOrPrnAmt>
				<sshPrnamt>11888</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>11628</Sole>
				<Shared>0</Shared>
				<None>260</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BECTON DICKINSON AND CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>075887109</cusip>
			<value>184</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1298</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1107</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>
			</shrsOrPrnAmt>
			<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>474</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3482</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3482</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BERKSHIRE HATHAWAY INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>084670702</cusip>
			<value>118</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>1646</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4075</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2345</Sole>
				<Shared>0</Shared>
				<None>1730</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>THE BLACKSTONE GROUP LP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>09253U108</cusip>
			<value>572</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>3451</value>
			<shrsOrPrnAmt>
				<sshPrnamt>51858</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>47099</Sole>
				<Shared>0</Shared>
				<None>4759</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BRISTOL MYERS SQUIBB CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>110122108</cusip>
			<value>869</value>
			<shrsOrPrnAmt>
				<sshPrnamt>13060</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>12560</Sole>
				<Shared>0</Shared>
				<None>500</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BRISTOL MYERS SQUIBB CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>110122108</cusip>
			<value>230</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3456</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>960</Shared>
				<None>2496</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BROWN-FORMAN COR PORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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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>405</value>
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				<sshPrnamt>25000</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>25000</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CF INDUSTRIES HOLDINGS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>125269100</cusip>
			<value>613</value>
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				<sshPrnamt>9530</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2280</Sole>
				<Shared>0</Shared>
				<None>7250</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CIGNA CORP</nameOfIssuer>
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			<cusip>125509109</cusip>
			<value>810</value>
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				<sshPrnamt>4997</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>847</Sole>
				<Shared>0</Shared>
				<None>4150</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>CSX CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>511</value>
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				<sshPrnamt>15650</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>15150</Sole>
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				<None>500</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>CSX CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>500</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>CSX CORP</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<None>7200</None>
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		<infoTable>
			<nameOfIssuer>CVS HEALTH CORPORATION</nameOfIssuer>
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				<sshPrnamt>10832</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>10632</Sole>
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				<None>200</None>
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		<infoTable>
			<nameOfIssuer>CVS HEALTH CORPORATION</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1160</Sole>
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				<None>369</None>
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		<infoTable>
			<nameOfIssuer>CVS HEALTH CORPORATION</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>4782</Sole>
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		<infoTable>
			<nameOfIssuer>CALAMOS</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<Sole>10170</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>CANADIAN NATL RAILWAY CO</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1312</Sole>
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				<None>273</None>
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		<infoTable>
			<nameOfIssuer>CANADIAN NATL RAILWAY CO</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>580</Sole>
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				<None>104</None>
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		<infoTable>
			<nameOfIssuer>CANADIAN NATL RAILWAY CO</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<None>2036</None>
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		<infoTable>
			<nameOfIssuer>CARDINAL HEALTH INC</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>987</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>CARDINAL HEALTH INC</nameOfIssuer>
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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>
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		<infoTable>
			<nameOfIssuer>CELGENE CORP</nameOfIssuer>
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			<cusip>151020104</cusip>
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				<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>
				<Sole>1000</Sole>
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				<None>1400</None>
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		<infoTable>
			<nameOfIssuer>CENTURYLINK INC</nameOfIssuer>
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			<cusip>156700106</cusip>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>9400</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>CENTURYLINK INC</nameOfIssuer>
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				<sshPrnamtType>SH</sshPrnamtType>
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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>35977</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>3072</Sole>
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		<infoTable>
			<nameOfIssuer>CHEVRON CORP</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>898</Sole>
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		<infoTable>
			<nameOfIssuer>CHUBB CORP</nameOfIssuer>
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			<value>749</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5874</Sole>
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				<None>2000</None>
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		<infoTable>
			<nameOfIssuer>CHUBB CORP</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
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				<None>1200</None>
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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>91646</Sole>
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				<None>8369</None>
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		<infoTable>
			<nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>2150</Sole>
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		<infoTable>
			<nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>CITIGROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>172967424</cusip>
			<value>784</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>14195</Sole>
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		<infoTable>
			<nameOfIssuer>CITIGROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>73</value>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1329</Sole>
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		<infoTable>
			<nameOfIssuer>GUGGENHEIM</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADEDFUNDS-EQUITY</titleOfClass>
			<cusip>18383M506</cusip>
			<value>1878</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>84478</Sole>
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		<infoTable>
			<nameOfIssuer>GUGGENHEIM</nameOfIssuer>
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			<cusip>18383M506</cusip>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>CLOROX CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>189054109</cusip>
			<value>121</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1160</Sole>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>CLOROX CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>189054109</cusip>
			<value>42</value>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
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				<None>400</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CLOROX CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>189054109</cusip>
			<value>208</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2000</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2000</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>COCA-COLA CO/THE</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>191216100</cusip>
			<value>6504</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>156601</Sole>
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				<None>9181</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>COCA-COLA CO/THE</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>1387</value>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>2574</Sole>
				<Shared>17285</Shared>
				<None>15507</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>COCA-COLA CO/THE</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>6696</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>COGNIZANT TECHNOLOGY SOLUT ION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>192446102</cusip>
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				<sshPrnamt>18214</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>15464</Sole>
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				<None>2750</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>COLGATE PALMOLIVE CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>18700</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>COMCAST CORPORAT ION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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				<sshPrnamt>50285</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>32455</Sole>
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				<None>17830</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>COMCAST CORPORAT ION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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				<sshPrnamt>4200</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
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				<None>4000</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>COMCAST CORPORAT ION</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>5020</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>COMPUTER PROGRAMS AND SYS INC</nameOfIssuer>
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			<value>3013</value>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>56400</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
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				<sshPrnamt>41919</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>36039</Sole>
				<Shared>0</Shared>
				<None>5880</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>20825C104</cusip>
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				<sshPrnamt>775</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>775</Sole>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>20825C104</cusip>
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				<sshPrnamt>1685</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>915</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>CORNING INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>219350105</cusip>
			<value>2206</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>89649</Sole>
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				<None>22180</None>
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		<infoTable>
			<nameOfIssuer>CORNING INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>219350105</cusip>
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				<sshPrnamt>2660</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2660</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>COSTCO WHOLESALE CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>22160K105</cusip>
			<value>229</value>
			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1697</Sole>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>COSTCO WHOLESALE CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>22160K105</cusip>
			<value>68</value>
			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>500</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CROWN CASTLE INTERNATIONAL</nameOfIssuer>
			<titleOfClass>REIT</titleOfClass>
			<cusip>22822V101</cusip>
			<value>803</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>10000</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CUMMINS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>231021106</cusip>
			<value>394</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3006</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3006</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>DTE ENERGY CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>233331107</cusip>
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			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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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>
			<cusip>233331107</cusip>
			<value>224</value>
			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2000</Sole>
				<Shared>0</Shared>
				<None>1000</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DARDEN RESTAURANTS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>237194105</cusip>
			<value>212</value>
			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2980</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DARDEN RESTAURANTS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>57</value>
			<shrsOrPrnAmt>
				<sshPrnamt>800</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>800</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DARDEN RESTAURANTS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>237194105</cusip>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
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				<Shared>880</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>WALT DISNEY COMP ANY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>254687106</cusip>
			<value>3836</value>
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				<sshPrnamt>33605</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>24700</Sole>
				<Shared>0</Shared>
				<None>8905</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WALT DISNEY COMP ANY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>254687106</cusip>
			<value>211</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1850</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1000</Sole>
				<Shared>0</Shared>
				<None>850</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WALT DISNEY COMP ANY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>254687106</cusip>
			<value>38</value>
			<shrsOrPrnAmt>
				<sshPrnamt>330</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>330</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DISCOVER FINANCIAL SERVIC</nameOfIssuer>
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			<cusip>254709108</cusip>
			<value>272</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4725</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DOLLAR GENERAL CORP</nameOfIssuer>
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			<value>185</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2379</Sole>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>DOLLAR GENERAL CORP</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>DOMINION RESOURCE INC</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4854</Sole>
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			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DOMINION RESOURCE INC</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>756</Sole>
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				<None>205</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DOMINION RESOURCE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>40</value>
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				<sshPrnamt>596</sshPrnamt>
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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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			<cusip>260543103</cusip>
			<value>769</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>13145</Sole>
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				<None>1875</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DOW CHEMICAL CO</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1137</Sole>
				<Shared>200</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DREYFUS</nameOfIssuer>
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				<sshPrnamt>10709</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>10709</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>E. I. DU PONT DE NEMOURS</nameOfIssuer>
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			<value>1467</value>
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				<sshPrnamt>22943</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>21518</Sole>
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				<None>1425</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>E. I. DU PONT DE NEMOURS</nameOfIssuer>
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			<value>198</value>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>3100</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>E. I. DU PONT DE NEMOURS</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>263534109</cusip>
			<value>11</value>
			<shrsOrPrnAmt>
				<sshPrnamt>175</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>175</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DUKE ENERGY CORP ORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>26441C204</cusip>
			<value>1786</value>
			<shrsOrPrnAmt>
				<sshPrnamt>25286</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>24660</Sole>
				<Shared>0</Shared>
				<None>626</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DUKE ENERGY CORP ORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>26441C204</cusip>
			<value>226</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3204</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>2194</Sole>
				<Shared>706</Shared>
				<None>304</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DUKE ENERGY CORP ORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>26441C204</cusip>
			<value>5</value>
			<shrsOrPrnAmt>
				<sshPrnamt>64</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>64</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALPHACLONE ALTERNATIVE ALPHA</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADEDFUNDS-EQUITY</titleOfClass>
			<cusip>26922A305</cusip>
			<value>5099</value>
			<shrsOrPrnAmt>
				<sshPrnamt>113229</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>111078</Sole>
				<Shared>0</Shared>
				<None>2151</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALPHACLONE ALTERNATIVE ALPHA</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADEDFUNDS-EQUITY</titleOfClass>
			<cusip>26922A305</cusip>
			<value>161</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3584</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2420</Sole>
				<Shared>354</Shared>
				<None>810</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EASTGROUP PPTY INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>277276101</cusip>
			<value>1244</value>
			<shrsOrPrnAmt>
				<sshPrnamt>22128</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>22128</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EASTGROUP PPTY INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>277276101</cusip>
			<value>1351</value>
			<shrsOrPrnAmt>
				<sshPrnamt>24030</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>24030</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EBAY INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>278642103</cusip>
			<value>521</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8650</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6150</Sole>
				<Shared>0</Shared>
				<None>2500</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EBAY INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>278642103</cusip>
			<value>66</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1100</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>1100</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ECOLAB INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>278865100</cusip>
			<value>404</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3570</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2570</Sole>
				<Shared>0</Shared>
				<None>1000</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EDWARDS LIFESCIENCES CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>28176E108</cusip>
			<value>705</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4950</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2250</Sole>
				<Shared>0</Shared>
				<None>2700</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EDWARDS LIFESCIENCES CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>28176E108</cusip>
			<value>422</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2960</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2960</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ENERGY TRANSFER PARTNERS LP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>29273R109</cusip>
			<value>217</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4156</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1156</Sole>
				<Shared>0</Shared>
				<None>3000</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ENERGY TRANSFER PARTNERS LP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>29273R109</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>ENERGY TRANSFER EQUITY LP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>29273V100</cusip>
			<value>483</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7530</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6530</Sole>
				<Shared>0</Shared>
				<None>1000</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ENERGY TRANSFER EQUITY LP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>29273V100</cusip>
			<value>359</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5600</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>5600</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ENTERGY CORPORAT ION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>29364G103</cusip>
			<value>7373</value>
			<shrsOrPrnAmt>
				<sshPrnamt>104576</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>98725</Sole>
				<Shared>0</Shared>
				<None>5851</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ENTERGY CORPORAT ION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>29364G103</cusip>
			<value>381</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5403</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>4573</Sole>
				<Shared>830</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ENTERPRISE PRODUCTS PARTNERS LP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>293792107</cusip>
			<value>778</value>
			<shrsOrPrnAmt>
				<sshPrnamt>26026</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>18626</Sole>
				<Shared>0</Shared>
				<None>7400</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ENTERPRISE PRODUCTS PARTNERS</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>293792107</cusip>
			<value>132</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4400</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>4400</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EXPRESS SCRIPTS HOLDING INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>30219G108</cusip>
			<value>942</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10597</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>9597</Sole>
				<Shared>0</Shared>
				<None>1000</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EXPRESS SCRIPTS HOLDING INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>30219G108</cusip>
			<value>6</value>
			<shrsOrPrnAmt>
				<sshPrnamt>63</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>63</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EXPRESS SCRIPTS HOLDING INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>30219G108</cusip>
			<value>82</value>
			<shrsOrPrnAmt>
				<sshPrnamt>926</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>926</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>30231G102</cusip>
			<value>8182</value>
			<shrsOrPrnAmt>
				<sshPrnamt>98336</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>90701</Sole>
				<Shared>0</Shared>
				<None>7635</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>30231G102</cusip>
			<value>718</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8629</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>5409</Sole>
				<Shared>2090</Shared>
				<None>1130</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>30231G102</cusip>
			<value>1235</value>
			<shrsOrPrnAmt>
				<sshPrnamt>14841</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>13575</Sole>
				<Shared>666</Shared>
				<None>600</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FS INVT CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>302635107</cusip>
			<value>394</value>
			<shrsOrPrnAmt>
				<sshPrnamt>40000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>40000</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FACEBOOK INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>30303M102</cusip>
			<value>520</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6063</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1763</Sole>
				<Shared>0</Shared>
				<None>4300</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FACEBOOK INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>30303M102</cusip>
			<value>360</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4200</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>4200</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FACEBOOK INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>30303M102</cusip>
			<value>77</value>
			<shrsOrPrnAmt>
				<sshPrnamt>900</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>900</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FEDEX CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>31428X106</cusip>
			<value>256</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1500</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>700</Sole>
				<Shared>0</Shared>
				<None>800</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FEDEX CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>31428X106</cusip>
			<value>85</value>
			<shrsOrPrnAmt>
				<sshPrnamt>500</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>500</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FIDELITY</nameOfIssuer>
			<titleOfClass>MUTUAL FUNDS E</titleOfClass>
			<cusip>316071109</cusip>
			<value>690</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6769</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6769</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FIFTH THIRD BANC ORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>316773100</cusip>
			<value>209</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10028</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>10028</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FIREEYE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>31816Q101</cusip>
			<value>147</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>FIREEYE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>31816Q101</cusip>
			<value>78</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>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FIRST EAGLE</nameOfIssuer>
			<titleOfClass>MUTUAL FUNDS EQUITY</titleOfClass>
			<cusip>32008F606</cusip>
			<value>4614</value>
			<shrsOrPrnAmt>
				<sshPrnamt>85981</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>78891</Sole>
				<Shared>0</Shared>
				<None>7090</None>
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		<infoTable>
			<nameOfIssuer>FIRST EAGLE</nameOfIssuer>
			<titleOfClass>MUTUAL FUNDS E</titleOfClass>
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			<shrsOrPrnAmt>
				<sshPrnamt>2175</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>2175</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>FIRST EAGLE</nameOfIssuer>
			<titleOfClass>MUTUAL FUNDS E</titleOfClass>
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			<shrsOrPrnAmt>
				<sshPrnamt>1263</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1263</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FIRST TRUST</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADEDFUNDS-FIXED IN</titleOfClass>
			<cusip>33738R100</cusip>
			<value>14909</value>
			<shrsOrPrnAmt>
				<sshPrnamt>746921</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>714195</Sole>
				<Shared>0</Shared>
				<None>32726</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>FIRST TRUST</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED</titleOfClass>
			<cusip>33738R100</cusip>
			<value>192</value>
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				<sshPrnamt>9604</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>9604</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FIRST TRUST</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADEDFUNDS-FIXED IN</titleOfClass>
			<cusip>33738R100</cusip>
			<value>300</value>
			<shrsOrPrnAmt>
				<sshPrnamt>15035</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>14315</Sole>
				<Shared>720</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>FIRST TRUST</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED</titleOfClass>
			<cusip>33738R605</cusip>
			<value>490</value>
			<shrsOrPrnAmt>
				<sshPrnamt>20030</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>20030</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FISERV INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>337738108</cusip>
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				<sshPrnamt>7640</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>7280</Sole>
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				<None>360</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>FISERV INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>337738108</cusip>
			<value>25</value>
			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>300</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FORD MOTOR CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>588</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>
			<cusip>345370860</cusip>
			<value>107</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7143</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<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>
			<cusip>345370860</cusip>
			<value>48</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>
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			<value>138</value>
			<shrsOrPrnAmt>
				<sshPrnamt>27944</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>27944</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GANNETT INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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				<sshPrnamt>78100</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>60130</Sole>
				<Shared>0</Shared>
				<None>17970</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GANNETT INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>153</value>
			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2545</Sole>
				<Shared>1580</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GAP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>708</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>300</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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			<shrsOrPrnAmt>
				<sshPrnamt>242447</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>205910</Sole>
				<Shared>0</Shared>
				<None>36537</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GENERAL ELECTRIC COMPANY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<shrsOrPrnAmt>
				<sshPrnamt>29800</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>13600</Sole>
				<Shared>16200</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GENERAL ELECTRIC COMPANY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>369604103</cusip>
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			<shrsOrPrnAmt>
				<sshPrnamt>5632</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>5024</Sole>
				<Shared>108</Shared>
				<None>500</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GENERAL MILLS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>370334104</cusip>
			<value>1351</value>
			<shrsOrPrnAmt>
				<sshPrnamt>24251</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>22931</Sole>
				<Shared>0</Shared>
				<None>1320</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GENERAL MILLS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<shrsOrPrnAmt>
				<sshPrnamt>4185</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>3973</Sole>
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				<None>212</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GENERAL MILLS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<shrsOrPrnAmt>
				<sshPrnamt>75</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>75</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GENERAL MOTORS CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>37045V100</cusip>
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			<shrsOrPrnAmt>
				<sshPrnamt>35114</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>34956</Sole>
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				<None>158</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GENERAL MOTORS CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>37045V100</cusip>
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			<shrsOrPrnAmt>
				<sshPrnamt>4470</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2750</Sole>
				<Shared>1720</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>372460105</cusip>
			<value>1541</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>313</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3500</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>3500</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>375558103</cusip>
			<value>590</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5036</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>886</Sole>
				<Shared>0</Shared>
				<None>4150</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>375558103</cusip>
			<value>292</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2494</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>831</Sole>
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				<None>1663</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>375558103</cusip>
			<value>74</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>84</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10600</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<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>586</value>
			<shrsOrPrnAmt>
				<sshPrnamt>14062</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>13937</Sole>
				<Shared>0</Shared>
				<None>125</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GLAXO SMITHKLINE SPONSORED PLC</nameOfIssuer>
			<titleOfClass>ADRS</titleOfClass>
			<cusip>37733W105</cusip>
			<value>111</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2666</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1905</Sole>
				<Shared>0</Shared>
				<None>761</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GOLDMAN SACHS</nameOfIssuer>
			<titleOfClass>INTERNATIONAL</titleOfClass>
			<cusip>38142V837</cusip>
			<value>123</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>INTERNATIONALEQUITY FUNDS</titleOfClass>
			<cusip>38142V837</cusip>
			<value>73</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>250</value>
			<shrsOrPrnAmt>
				<sshPrnamt>463</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>433</Sole>
				<Shared>0</Shared>
				<None>30</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GOOGLE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>38259P508</cusip>
			<value>39</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>1623</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3119</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2901</Sole>
				<Shared>0</Shared>
				<None>218</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GOOGLE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>38259P706</cusip>
			<value>97</value>
			<shrsOrPrnAmt>
				<sshPrnamt>187</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>187</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HCP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>40414L109</cusip>
			<value>304</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8327</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>8327</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HCP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>40414L109</cusip>
			<value>43</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1188</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>843</Sole>
				<Shared>0</Shared>
				<None>345</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HAIN CELESTIAL GROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>405217100</cusip>
			<value>345</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>750</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>69</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>61</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1418</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1418</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HANCOCK HLDG CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>410120109</cusip>
			<value>1375</value>
			<shrsOrPrnAmt>
				<sshPrnamt>43102</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>43102</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HANESBRANDS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>410345102</cusip>
			<value>326</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9795</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>9795</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HARTFORD FINL SVCS GROUP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>416515104</cusip>
			<value>1848</value>
			<shrsOrPrnAmt>
				<sshPrnamt>44460</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>33960</Sole>
				<Shared>0</Shared>
				<None>10500</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HEALTHCARE SVCS GRP INC COM</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>421906108</cusip>
			<value>266</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8061</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>8061</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HEALTH CARE REIT INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>42217K106</cusip>
			<value>618</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9412</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>9412</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HEALTH CARE REIT INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>42217K106</cusip>
			<value>44</value>
			<shrsOrPrnAmt>
				<sshPrnamt>677</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>484</Sole>
				<Shared>0</Shared>
				<None>193</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HESS CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>42809H107</cusip>
			<value>405</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6058</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6058</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HESS CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>42809H107</cusip>
			<value>80</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1200</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>600</Sole>
				<Shared>0</Shared>
				<None>600</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HOLLYFRONTIER CO RPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>436106108</cusip>
			<value>521</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12200</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>12200</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>437076102</cusip>
			<value>955</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8595</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5765</Sole>
				<Shared>0</Shared>
				<None>2830</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>437076102</cusip>
			<value>500</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4499</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>2499</Sole>
				<Shared>0</Shared>
				<None>2000</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>437076102</cusip>
			<value>22</value>
			<shrsOrPrnAmt>
				<sshPrnamt>200</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>135</Sole>
				<Shared>65</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HUMANA INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>444859102</cusip>
			<value>409</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2140</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2140</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HUMANA INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>444859102</cusip>
			<value>15</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>HUNTINGTON BANCSHARES INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>446150104</cusip>
			<value>279</value>
			<shrsOrPrnAmt>
				<sshPrnamt>24657</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>24657</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HUNTINGTON BANCSHARES INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>446150104</cusip>
			<value>64</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5630</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<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>73</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7042</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5830</Sole>
				<Shared>0</Shared>
				<None>1212</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ICICI BK LTD ADR</nameOfIssuer>
			<titleOfClass>ADRS</titleOfClass>
			<cusip>45104G104</cusip>
			<value>32</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3038</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>2577</Sole>
				<Shared>0</Shared>
				<None>461</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ILLINOIS TOOL WORKS</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>452308109</cusip>
			<value>77</value>
			<shrsOrPrnAmt>
				<sshPrnamt>842</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<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>
			<cusip>452308109</cusip>
			<value>161</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1754</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1328</Sole>
				<Shared>0</Shared>
				<None>426</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>IQ HEDGE MULTI-S TRATEGY</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED</titleOfClass>
			<cusip>45409B107</cusip>
			<value>386</value>
			<shrsOrPrnAmt>
				<sshPrnamt>13055</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>13055</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTEL CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>458140100</cusip>
			<value>4756</value>
			<shrsOrPrnAmt>
				<sshPrnamt>156367</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>135852</Sole>
				<Shared>0</Shared>
				<None>20515</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTEL CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>458140100</cusip>
			<value>277</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9100</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>8800</Sole>
				<Shared>300</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTEL CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>458140100</cusip>
			<value>230</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7551</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>7551</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTL BUSINESS MACHINES CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>459200101</cusip>
			<value>3374</value>
			<shrsOrPrnAmt>
				<sshPrnamt>20743</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>20678</Sole>
				<Shared>0</Shared>
				<None>65</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTL BUSINESS MACHINES CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>459200101</cusip>
			<value>615</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>703</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4322</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>4322</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTERNATIONAL PAPER CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>460146103</cusip>
			<value>1201</value>
			<shrsOrPrnAmt>
				<sshPrnamt>25232</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>22412</Sole>
				<Shared>0</Shared>
				<None>2820</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTERNATIONAL PAPER CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>460146103</cusip>
			<value>865</value>
			<shrsOrPrnAmt>
				<sshPrnamt>18166</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>18166</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTERNATIONAL PAPER CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>460146103</cusip>
			<value>332</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6970</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>6970</Sole>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>7250</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>JOHNSON AND JOHNSON</nameOfIssuer>
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				<sshPrnamt>63507</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>58414</Sole>
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				<None>5093</None>
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		<infoTable>
			<nameOfIssuer>JOHNSON AND JOHNSON</nameOfIssuer>
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				<sshPrnamt>7408</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>JOHNSON AND JOHNSON</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>640</Sole>
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		<infoTable>
			<nameOfIssuer>JOHNSON CONTROLS INC</nameOfIssuer>
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				<sshPrnamt>7970</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5370</Sole>
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				<None>2600</None>
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		<infoTable>
			<nameOfIssuer>JOHNSON CONTROLS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>JOHNSON CONTROLS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>JULIUS BAER GROUP LTD</nameOfIssuer>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>11326</Sole>
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				<None>2350</None>
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		<infoTable>
			<nameOfIssuer>JULIUS BAER GROUP LTD</nameOfIssuer>
			<titleOfClass>ADRS</titleOfClass>
			<cusip>48137C108</cusip>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>5001</Sole>
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				<None>894</None>
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		<infoTable>
			<nameOfIssuer>KELLOGG CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>487836108</cusip>
			<value>811</value>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>12035</Sole>
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				<None>900</None>
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		<infoTable>
			<nameOfIssuer>KIMBERLY CLARK CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>2864</value>
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				<sshPrnamt>27026</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>24691</Sole>
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				<None>2335</None>
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		<infoTable>
			<nameOfIssuer>KIMBERLY CLARK CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>849</value>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>7558</Sole>
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		<infoTable>
			<nameOfIssuer>KIMBERLY CLARK CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>494368103</cusip>
			<value>1903</value>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
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				<None>1000</None>
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		<infoTable>
			<nameOfIssuer>KINDER MORGAN INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>49456B101</cusip>
			<value>327</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8528</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>8528</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>KINDER MORGAN INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>49456B101</cusip>
			<value>23</value>
			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>400</Sole>
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				<None>204</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>KINDER MORGAN INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>49456B101</cusip>
			<value>86</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2236</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
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				<None>2236</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>KRAFT FOODS GROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>50076Q106</cusip>
			<value>1354</value>
			<shrsOrPrnAmt>
				<sshPrnamt>15906</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>15644</Sole>
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				<None>262</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>KRAFT FOODS GROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>50076Q106</cusip>
			<value>275</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3230</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>2766</Sole>
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				<None>464</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>KROGER CO/THE</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>501044101</cusip>
			<value>1203</value>
			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>16593</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LEGGETT &amp; PLATT INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>524660107</cusip>
			<value>227</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4655</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4494</Sole>
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				<None>161</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>LEGGETT &amp; PLATT INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>524660107</cusip>
			<value>68</value>
			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>1395</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>ELI LILLY &amp; CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>532457108</cusip>
			<value>1402</value>
			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
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				<None>1400</None>
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		<infoTable>
			<nameOfIssuer>ELI LILLY &amp; CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>31</value>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
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				<None>375</None>
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		<infoTable>
			<nameOfIssuer>ELI LILLY &amp; CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>190</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>LINCOLN NATIONAL CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>534187109</cusip>
			<value>645</value>
			<shrsOrPrnAmt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>10716</Sole>
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				<None>177</None>
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		<infoTable>
			<nameOfIssuer>LINCOLN NATIONAL CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>27</value>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>462</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>LITTELFUSE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>537008104</cusip>
			<value>129</value>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>925</Sole>
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				<None>438</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>LITTELFUSE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>537008104</cusip>
			<value>111</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1175</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>995</Sole>
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				<None>180</None>
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		<infoTable>
			<nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
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			<cusip>539830109</cusip>
			<value>1716</value>
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				<sshPrnamt>9231</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6491</Sole>
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				<None>2740</None>
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		<infoTable>
			<nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>77</value>
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				<sshPrnamt>415</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>120</Sole>
				<Shared>295</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LOWE&apos;S COMPANIES, INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>548661107</cusip>
			<value>507</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7565</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>7565</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LOWE&apos;S COMPANIES, INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>548661107</cusip>
			<value>87</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1301</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>761</Sole>
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				<None>240</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LOWE&apos;S COMPANIES, INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>548661107</cusip>
			<value>7</value>
			<shrsOrPrnAmt>
				<sshPrnamt>100</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>100</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MACY&apos;S INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>55616P104</cusip>
			<value>1573</value>
			<shrsOrPrnAmt>
				<sshPrnamt>23313</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>21313</Sole>
				<Shared>0</Shared>
				<None>2000</None>
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		<infoTable>
			<nameOfIssuer>MAGELLAN MIDSTREAM PARTNE RS</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>559080106</cusip>
			<value>737</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10048</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5000</Sole>
				<Shared>0</Shared>
				<None>5048</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MARATHON PETROLEUM CORPOR</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>56585A102</cusip>
			<value>261</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4984</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4984</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MARATHON PETROLEUM CORPOR</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>56585A102</cusip>
			<value>63</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1200</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1200</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>MARKEL CORPORATI ON</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<shrsOrPrnAmt>
				<sshPrnamt>250</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>250</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MARKET VECTORS</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADEDFUNDS-FIXED IN</titleOfClass>
			<cusip>57060U803</cusip>
			<value>2587</value>
			<shrsOrPrnAmt>
				<sshPrnamt>148850</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>148850</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MARKET VECTORS</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADEDFUNDS-FIXED IN</titleOfClass>
			<cusip>57060U878</cusip>
			<value>5668</value>
			<shrsOrPrnAmt>
				<sshPrnamt>189576</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>179444</Sole>
				<Shared>0</Shared>
				<None>10132</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MARKET VECTORS</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED</titleOfClass>
			<cusip>57060U878</cusip>
			<value>11</value>
			<shrsOrPrnAmt>
				<sshPrnamt>360</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>360</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MARKET VECTORS</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED</titleOfClass>
			<cusip>57060U878</cusip>
			<value>771</value>
			<shrsOrPrnAmt>
				<sshPrnamt>25790</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>25790</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MARKET VECTORS</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADEDFUNDS-FIXED IN</titleOfClass>
			<cusip>57061R486</cusip>
			<value>1760</value>
			<shrsOrPrnAmt>
				<sshPrnamt>70362</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>65756</Sole>
				<Shared>0</Shared>
				<None>4606</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MARKWEST ENERGY PARTNERS L P</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>570759100</cusip>
			<value>241</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>113</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>114</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2014</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2014</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MARSH AND MCLENNAN COS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>132</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2335</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1765</Sole>
				<Shared>0</Shared>
				<None>570</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MASTERCARD INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>57636Q104</cusip>
			<value>2334</value>
			<shrsOrPrnAmt>
				<sshPrnamt>24970</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>24770</Sole>
				<Shared>0</Shared>
				<None>200</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>580135101</cusip>
			<value>2841</value>
			<shrsOrPrnAmt>
				<sshPrnamt>29879</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>28865</Sole>
				<Shared>0</Shared>
				<None>1014</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>580135101</cusip>
			<value>176</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1852</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1483</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>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MCKESSON CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>58155Q103</cusip>
			<value>942</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4188</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2778</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>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MEADWESTVACO CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>583334107</cusip>
			<value>937</value>
			<shrsOrPrnAmt>
				<sshPrnamt>19862</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<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>3026</value>
			<shrsOrPrnAmt>
				<sshPrnamt>53144</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>49854</Sole>
				<Shared>0</Shared>
				<None>3290</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>58933Y105</cusip>
			<value>694</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12195</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>11583</Sole>
				<Shared>150</Shared>
				<None>462</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>58933Y105</cusip>
			<value>273</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4800</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>3800</Sole>
				<Shared>1000</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>METLIFE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>59156R108</cusip>
			<value>253</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4517</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4517</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>METLIFE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>59156R108</cusip>
			<value>50</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>140</value>
			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
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				<None>2500</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>594918104</cusip>
			<value>3811</value>
			<shrsOrPrnAmt>
				<sshPrnamt>86327</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>73650</Sole>
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				<None>12677</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>594918104</cusip>
			<value>636</value>
			<shrsOrPrnAmt>
				<sshPrnamt>14401</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>12051</Sole>
				<Shared>700</Shared>
				<None>1650</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>594918104</cusip>
			<value>17</value>
			<shrsOrPrnAmt>
				<sshPrnamt>382</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>382</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MICROCHIP TECHNOLOGY INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>595017104</cusip>
			<value>1288</value>
			<shrsOrPrnAmt>
				<sshPrnamt>27152</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>27033</Sole>
				<Shared>0</Shared>
				<None>119</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MICROCHIP TECHNOLOGY INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>595017104</cusip>
			<value>157</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3317</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>2508</Sole>
				<Shared>0</Shared>
				<None>809</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MITSUBISHI UFJ FINANCIAL GROUP</nameOfIssuer>
			<titleOfClass>ADRS</titleOfClass>
			<cusip>606822104</cusip>
			<value>93</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12920</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>10697</Sole>
				<Shared>0</Shared>
				<None>2223</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MITSUBISHI UFJ FINANCIAL GROUP</nameOfIssuer>
			<titleOfClass>ADRS</titleOfClass>
			<cusip>606822104</cusip>
			<value>40</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5573</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>4727</Sole>
				<Shared>0</Shared>
				<None>846</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MONDELEZ INTERNATIONAL INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>609207105</cusip>
			<value>876</value>
			<shrsOrPrnAmt>
				<sshPrnamt>21287</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>20737</Sole>
				<Shared>0</Shared>
				<None>550</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MORGAN STANLEY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>617446448</cusip>
			<value>2663</value>
			<shrsOrPrnAmt>
				<sshPrnamt>68659</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>55549</Sole>
				<Shared>0</Shared>
				<None>13110</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MORGAN STANLEY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>617446448</cusip>
			<value>85</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2200</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2200</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NATIONAL GRID PLC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>636274300</cusip>
			<value>610</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9440</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>9336</Sole>
				<Shared>0</Shared>
				<None>104</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NATIONAL GRID PLC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>636274300</cusip>
			<value>120</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1862</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1357</Sole>
				<Shared>0</Shared>
				<None>505</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NATIONAL OILWELL VARCO INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>637071101</cusip>
			<value>1369</value>
			<shrsOrPrnAmt>
				<sshPrnamt>28351</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>20461</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>43</value>
			<shrsOrPrnAmt>
				<sshPrnamt>727</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<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>109</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1855</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1544</Sole>
				<Shared>0</Shared>
				<None>311</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NEENAH PAPER INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>640079109</cusip>
			<value>87</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1484</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1484</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NESTLE SA</nameOfIssuer>
			<titleOfClass>ADRS</titleOfClass>
			<cusip>641069406</cusip>
			<value>418</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5790</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5655</Sole>
				<Shared>0</Shared>
				<None>135</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NESTLE SA</nameOfIssuer>
			<titleOfClass>ADRS</titleOfClass>
			<cusip>641069406</cusip>
			<value>25</value>
			<shrsOrPrnAmt>
				<sshPrnamt>343</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>289</Sole>
				<Shared>0</Shared>
				<None>54</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NETEASE INC</nameOfIssuer>
			<titleOfClass>ADRS</titleOfClass>
			<cusip>64110W102</cusip>
			<value>181</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1249</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1097</Sole>
				<Shared>0</Shared>
				<None>152</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NETEASE INC</nameOfIssuer>
			<titleOfClass>ADRS</titleOfClass>
			<cusip>64110W102</cusip>
			<value>55</value>
			<shrsOrPrnAmt>
				<sshPrnamt>380</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>322</Sole>
				<Shared>0</Shared>
				<None>58</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>65339F101</cusip>
			<value>819</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8352</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>8352</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>65339F101</cusip>
			<value>41</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>45</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>168</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1553</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1303</Sole>
				<Shared>0</Shared>
				<None>250</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NIKE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>654106103</cusip>
			<value>65</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>NIKE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>654106103</cusip>
			<value>15</value>
			<shrsOrPrnAmt>
				<sshPrnamt>140</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>140</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NORFOLK SOUTHERN CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>655844108</cusip>
			<value>356</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4078</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3990</Sole>
				<Shared>0</Shared>
				<None>88</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NORFOLK SOUTHERN CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>655844108</cusip>
			<value>211</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>1714</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1714</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NOVARTIS A G</nameOfIssuer>
			<titleOfClass>ADRS</titleOfClass>
			<cusip>66987V109</cusip>
			<value>197</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2006</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1751</Sole>
				<Shared>0</Shared>
				<None>255</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NOVARTIS A G</nameOfIssuer>
			<titleOfClass>ADRS</titleOfClass>
			<cusip>66987V109</cusip>
			<value>45</value>
			<shrsOrPrnAmt>
				<sshPrnamt>456</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>385</Sole>
				<Shared>0</Shared>
				<None>71</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NUVEEN</nameOfIssuer>
			<titleOfClass>TAX EXEMPT</titleOfClass>
			<cusip>67062N103</cusip>
			<value>406</value>
			<shrsOrPrnAmt>
				<sshPrnamt>32192</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>32192</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NVIDIA CORPORATI ON</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>67066G104</cusip>
			<value>2307</value>
			<shrsOrPrnAmt>
				<sshPrnamt>114708</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>88648</Sole>
				<Shared>0</Shared>
				<None>26060</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NVIDIA CORPORATI ON</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>67066G104</cusip>
			<value>63</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3150</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>3150</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>OCCIDENTAL PETROLEUM CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>674599105</cusip>
			<value>1441</value>
			<shrsOrPrnAmt>
				<sshPrnamt>18535</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>13400</Sole>
				<Shared>0</Shared>
				<None>5135</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>OCCIDENTAL PETROLEUM CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>674599105</cusip>
			<value>128</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1644</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1241</Sole>
				<Shared>0</Shared>
				<None>403</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>OCCIDENTAL PETROLEUM CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>674599105</cusip>
			<value>30</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>54</value>
			<shrsOrPrnAmt>
				<sshPrnamt>783</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>783</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>OMNICOM GROUP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>681919106</cusip>
			<value>156</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2238</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1702</Sole>
				<Shared>0</Shared>
				<None>536</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>OMEGA HEALTHCARE INVESTORS INC</nameOfIssuer>
			<titleOfClass>REIT</titleOfClass>
			<cusip>681936100</cusip>
			<value>154</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4496</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4496</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>OMEGA HEALTHCARE INVESTORS INC</nameOfIssuer>
			<titleOfClass>REIT</titleOfClass>
			<cusip>681936100</cusip>
			<value>29</value>
			<shrsOrPrnAmt>
				<sshPrnamt>833</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>586</Sole>
				<Shared>0</Shared>
				<None>247</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>OMEGA HEALTHCARE INVESTORS INC</nameOfIssuer>
			<titleOfClass>REIT</titleOfClass>
			<cusip>681936100</cusip>
			<value>117</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3420</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>3420</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ONEOK PARTNERS LP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>68268N103</cusip>
			<value>272</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>1535</value>
			<shrsOrPrnAmt>
				<sshPrnamt>38080</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>27430</Sole>
				<Shared>0</Shared>
				<None>10650</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>PIMCO</nameOfIssuer>
			<titleOfClass>MUTUAL FUNDS -</titleOfClass>
			<cusip>693391104</cusip>
			<value>250</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>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PNC FINL CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>693475105</cusip>
			<value>669</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>199</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>679</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5920</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5920</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>100</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>100</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PPL CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>69351T106</cusip>
			<value>3870</value>
			<shrsOrPrnAmt>
				<sshPrnamt>131334</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>128857</Sole>
				<Shared>0</Shared>
				<None>2477</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PPL CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>69351T106</cusip>
			<value>52</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1775</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1297</Sole>
				<Shared>0</Shared>
				<None>478</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PPL CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>69351T106</cusip>
			<value>147</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4999</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>3179</Sole>
				<Shared>1820</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PARDEE RESOURCES CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>699437109</cusip>
			<value>495</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>646</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>1163</value>
			<shrsOrPrnAmt>
				<sshPrnamt>24799</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>21279</Sole>
				<Shared>0</Shared>
				<None>3520</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PAYCHEX INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>704326107</cusip>
			<value>197</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>88</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1870</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<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>4573</value>
			<shrsOrPrnAmt>
				<sshPrnamt>48991</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>45766</Sole>
				<Shared>0</Shared>
				<None>3225</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PEPSICO INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>713448108</cusip>
			<value>354</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3795</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>3718</Sole>
				<Shared>0</Shared>
				<None>77</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PEPSICO INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>713448108</cusip>
			<value>5</value>
			<shrsOrPrnAmt>
				<sshPrnamt>52</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>52</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PFIZER INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>717081103</cusip>
			<value>3718</value>
			<shrsOrPrnAmt>
				<sshPrnamt>110882</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>91067</Sole>
				<Shared>0</Shared>
				<None>19815</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PFIZER INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>717081103</cusip>
			<value>937</value>
			<shrsOrPrnAmt>
				<sshPrnamt>27944</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<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>102</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3050</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1050</Sole>
				<Shared>1650</Shared>
				<None>350</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PHILIP MORRIS INTERNATIONAL INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>718172109</cusip>
			<value>996</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12422</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>9849</Sole>
				<Shared>0</Shared>
				<None>2573</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PHILIP MORRIS INTERNATIONAL INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>718172109</cusip>
			<value>353</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4399</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>2353</Sole>
				<Shared>0</Shared>
				<None>2046</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PHILIP MORRIS INTERNATIONAL INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>718172109</cusip>
			<value>46</value>
			<shrsOrPrnAmt>
				<sshPrnamt>575</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<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>950</value>
			<shrsOrPrnAmt>
				<sshPrnamt>11789</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>11220</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>184</value>
			<shrsOrPrnAmt>
				<sshPrnamt>18448</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>18448</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PIMCO</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED</titleOfClass>
			<cusip>72201R783</cusip>
			<value>203</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>72201R783</cusip>
			<value>1024</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10250</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>8880</Sole>
				<Shared>0</Shared>
				<None>1370</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PIMCO</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADEDFUNDS-FIXED IN</titleOfClass>
			<cusip>72201R833</cusip>
			<value>4419</value>
			<shrsOrPrnAmt>
				<sshPrnamt>43690</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>40846</Sole>
				<Shared>0</Shared>
				<None>2844</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PIMCO</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADEDFUNDS-FIXED IN</titleOfClass>
			<cusip>72201R833</cusip>
			<value>840</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8300</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>6700</Sole>
				<Shared>0</Shared>
				<None>1600</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PIMCO</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED</titleOfClass>
			<cusip>72201R866</cusip>
			<value>319</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6040</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6040</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>273</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6263</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4450</Sole>
				<Shared>0</Shared>
				<None>1813</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>POWERSHARES QQQ</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED</titleOfClass>
			<cusip>73935A104</cusip>
			<value>182</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>214</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>54</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>272</value>
			<shrsOrPrnAmt>
				<sshPrnamt>23500</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<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>2036</value>
			<shrsOrPrnAmt>
				<sshPrnamt>85599</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>83989</Sole>
				<Shared>0</Shared>
				<None>1610</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>POWERSHARES</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED</titleOfClass>
			<cusip>73936Q769</cusip>
			<value>48</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2000</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>POWERSHARES</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADEDFUNDS-FIXED IN</titleOfClass>
			<cusip>73936T474</cusip>
			<value>22202</value>
			<shrsOrPrnAmt>
				<sshPrnamt>898121</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>847637</Sole>
				<Shared>0</Shared>
				<None>50484</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>POWERSHARES</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADEDFUNDS-FIXED IN</titleOfClass>
			<cusip>73936T474</cusip>
			<value>379</value>
			<shrsOrPrnAmt>
				<sshPrnamt>15351</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>14461</Sole>
				<Shared>890</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>POWERSHARES</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADEDFUNDS-FIXED IN</titleOfClass>
			<cusip>73936T474</cusip>
			<value>587</value>
			<shrsOrPrnAmt>
				<sshPrnamt>23736</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>22037</Sole>
				<Shared>229</Shared>
				<None>1470</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>POWERSHARES</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADEDFUNDS-FIXED IN</titleOfClass>
			<cusip>73937B407</cusip>
			<value>431</value>
			<shrsOrPrnAmt>
				<sshPrnamt>14983</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>13083</Sole>
				<Shared>0</Shared>
				<None>1900</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>PRAXAIR INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>74005P104</cusip>
			<value>477</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3990</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2990</Sole>
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				<None>1000</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PRAXAIR INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>74005P104</cusip>
			<value>108</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>
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		<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>
			<cusip>74144T108</cusip>
			<value>326</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4200</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4200</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>T ROWE PRICE GROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>74144T108</cusip>
			<value>78</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1000</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PRICELINE GROUP INC/ THE</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>538</value>
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				<sshPrnamt>467</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>462</Sole>
				<Shared>0</Shared>
				<None>5</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PRICELINE GROUP INC/ THE</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>97</value>
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				<sshPrnamt>84</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>84</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>PRIMECAP</nameOfIssuer>
			<titleOfClass>MUTUAL FUNDS E</titleOfClass>
			<cusip>74160Q103</cusip>
			<value>227</value>
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				<sshPrnamt>8344</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>8344</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PROCTER AND GAMBLE CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>5254</value>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>62411</Sole>
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				<None>4747</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>PROCTER AND GAMBLE CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>742718109</cusip>
			<value>479</value>
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				<sshPrnamt>6123</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>5454</Sole>
				<Shared>0</Shared>
				<None>669</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>PROCTER AND GAMBLE CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>3034</value>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>38779</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PROOFPOINT INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>743424103</cusip>
			<value>96</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1500</sshPrnamt>
				<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>127</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>PROSPECT CAPITAL CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>74348T102</cusip>
			<value>7816</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1060467</sshPrnamt>
				<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>370</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4226</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3726</Sole>
				<Shared>0</Shared>
				<None>500</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PRUDENTIAL FINANCIAL INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>744320102</cusip>
			<value>9</value>
			<shrsOrPrnAmt>
				<sshPrnamt>100</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>100</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PRUDENTIAL FINANCIAL INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>744320102</cusip>
			<value>14</value>
			<shrsOrPrnAmt>
				<sshPrnamt>155</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>155</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>209</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5309</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2309</Sole>
				<Shared>0</Shared>
				<None>3000</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PUBLIC SVC ENTERPRISE GROUP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>744573106</cusip>
			<value>66</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1684</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>64</Sole>
				<Shared>1620</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PULTEGROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>745867101</cusip>
			<value>1032</value>
			<shrsOrPrnAmt>
				<sshPrnamt>51230</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>29400</Sole>
				<Shared>0</Shared>
				<None>21830</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>QUALCOMM INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>747525103</cusip>
			<value>377</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6023</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5723</Sole>
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				<None>300</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>QUALCOMM INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>747525103</cusip>
			<value>16</value>
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				<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>3</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>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>RAMCO-GERSHENSON PROPERTIES</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>751452202</cusip>
			<value>457</value>
			<shrsOrPrnAmt>
				<sshPrnamt>28000</sshPrnamt>
				<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>RAYMOND JAMES FINL INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>754730109</cusip>
			<value>244</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4099</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4099</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>RAYTHEON CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>755111507</cusip>
			<value>340</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3550</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3027</Sole>
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				<None>523</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>RAYTHEON CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>755111507</cusip>
			<value>61</value>
			<shrsOrPrnAmt>
				<sshPrnamt>638</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>138</Sole>
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				<None>500</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>REALTY INCOME CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>756109104</cusip>
			<value>599</value>
			<shrsOrPrnAmt>
				<sshPrnamt>13495</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>13495</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>REALTY INCOME CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>756109104</cusip>
			<value>28</value>
			<shrsOrPrnAmt>
				<sshPrnamt>636</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>455</Sole>
				<Shared>0</Shared>
				<None>181</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>REALTY INCOME CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>756109104</cusip>
			<value>111</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2510</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>2510</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>REGIONS FINANCIAL CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>7591EP100</cusip>
			<value>717</value>
			<shrsOrPrnAmt>
				<sshPrnamt>69184</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>69184</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>REGIONS FINANCIAL CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>7591EP100</cusip>
			<value>8</value>
			<shrsOrPrnAmt>
				<sshPrnamt>800</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>800</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>REGIONS FINANCIAL CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>7591EP100</cusip>
			<value>51</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4971</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>4971</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>REYNOLDS AMERICAN INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>761713106</cusip>
			<value>731</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9794</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>9794</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>REYNOLDS AMERICAN INC</nameOfIssuer>
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			<cusip>761713106</cusip>
			<value>156</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2094</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1515</Sole>
				<Shared>0</Shared>
				<None>579</None>
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		<infoTable>
			<nameOfIssuer>REYNOLDS AMERICAN INC</nameOfIssuer>
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			<shrsOrPrnAmt>
				<sshPrnamt>55</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>55</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>RIDGEWORTH</nameOfIssuer>
			<titleOfClass>MUTUAL FUNDS EQUITY</titleOfClass>
			<cusip>76628R474</cusip>
			<value>236</value>
			<shrsOrPrnAmt>
				<sshPrnamt>14986</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>14679</Sole>
				<Shared>0</Shared>
				<None>307</None>
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		<infoTable>
			<nameOfIssuer>RIDGEWORTH</nameOfIssuer>
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			<cusip>76628R474</cusip>
			<value>19</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1182</sshPrnamt>
				<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>
			<titleOfClass>MUTUAL FUNDS EQUITY</titleOfClass>
			<cusip>76628R474</cusip>
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			<shrsOrPrnAmt>
				<sshPrnamt>2177</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2145</Sole>
				<Shared>0</Shared>
				<None>32</None>
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		<infoTable>
			<nameOfIssuer>ROBERT HALF INTL INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>770323103</cusip>
			<value>380</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6838</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6255</Sole>
				<Shared>0</Shared>
				<None>583</None>
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		<infoTable>
			<nameOfIssuer>ROBERT HALF INTL INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>770323103</cusip>
			<value>83</value>
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				<sshPrnamt>1502</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1255</Sole>
				<Shared>0</Shared>
				<None>247</None>
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		<infoTable>
			<nameOfIssuer>ROSS STORES INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>778296103</cusip>
			<value>2217</value>
			<shrsOrPrnAmt>
				<sshPrnamt>45600</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>45600</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>ROYAL DUTCH SHELL PLC - ADR</nameOfIssuer>
			<titleOfClass>ADRS</titleOfClass>
			<cusip>780259107</cusip>
			<value>368</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6421</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6421</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ROYAL DUTCH SHELL PLC - ADR</nameOfIssuer>
			<titleOfClass>ADRS</titleOfClass>
			<cusip>780259107</cusip>
			<value>64</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1120</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>796</Sole>
				<Shared>0</Shared>
				<None>324</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>ROYAL DUTCH SHELL PLC - ADR</nameOfIssuer>
			<titleOfClass>ADRS</titleOfClass>
			<cusip>780259206</cusip>
			<value>185</value>
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				<sshPrnamt>3252</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3252</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>ROYAL DUTCH SHELL PLC - ADR</nameOfIssuer>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1500</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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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>42206</Sole>
				<Shared>0</Shared>
				<None>6500</None>
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		<infoTable>
			<nameOfIssuer>SPDR S&amp;P 500 ETF TRUST</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED</titleOfClass>
			<cusip>78462F103</cusip>
			<value>416</value>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2020</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>SPDR</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADEDFUNDS COMMODIT</titleOfClass>
			<cusip>78463V107</cusip>
			<value>654</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5822</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5784</Sole>
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				<None>38</None>
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		<infoTable>
			<nameOfIssuer>SPDR</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED</titleOfClass>
			<cusip>78463V107</cusip>
			<value>56</value>
			<shrsOrPrnAmt>
				<sshPrnamt>500</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>500</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>SPDR</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED</titleOfClass>
			<cusip>78463V107</cusip>
			<value>49</value>
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				<sshPrnamt>440</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>440</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>
			<value>11055</value>
			<shrsOrPrnAmt>
				<sshPrnamt>455322</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>426135</Sole>
				<Shared>0</Shared>
				<None>29187</None>
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		<infoTable>
			<nameOfIssuer>SPDR</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADEDFUNDS-FIXED IN</titleOfClass>
			<cusip>78464A425</cusip>
			<value>133</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5497</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>5072</Sole>
				<Shared>425</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>SPDR</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED</titleOfClass>
			<cusip>78464A425</cusip>
			<value>123</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5082</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>5082</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TRUST</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED</titleOfClass>
			<cusip>78467Y107</cusip>
			<value>9433</value>
			<shrsOrPrnAmt>
				<sshPrnamt>34529</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>34529</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TRUST</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED</titleOfClass>
			<cusip>78467Y107</cusip>
			<value>386</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1413</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1413</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>SPDR BARCLAYS</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADEDFUNDS-FIXED IN</titleOfClass>
			<cusip>78468R408</cusip>
			<value>12219</value>
			<shrsOrPrnAmt>
				<sshPrnamt>422668</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>384035</Sole>
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				<None>38633</None>
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		<infoTable>
			<nameOfIssuer>SPDR BARCLAYS</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADEDFUNDS-FIXED IN</titleOfClass>
			<cusip>78468R408</cusip>
			<value>193</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6673</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>6278</Sole>
				<Shared>395</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>SPDR BARCLAYS</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADEDFUNDS-FIXED IN</titleOfClass>
			<cusip>78468R408</cusip>
			<value>904</value>
			<shrsOrPrnAmt>
				<sshPrnamt>31261</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>29805</Sole>
				<Shared>176</Shared>
				<None>1280</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>THE ST JOE COMPA NY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>790148100</cusip>
			<value>231</value>
			<shrsOrPrnAmt>
				<sshPrnamt>14889</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>14889</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>ST JUDE MEDICAL INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>790849103</cusip>
			<value>183</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2507</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1507</Sole>
				<Shared>0</Shared>
				<None>1000</None>
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		<infoTable>
			<nameOfIssuer>ST JUDE MEDICAL INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>790849103</cusip>
			<value>117</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>ST JUDE MEDICAL INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>790849103</cusip>
			<value>13</value>
			<shrsOrPrnAmt>
				<sshPrnamt>175</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>175</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>806857108</cusip>
			<value>1243</value>
			<shrsOrPrnAmt>
				<sshPrnamt>14418</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>10058</Sole>
				<Shared>0</Shared>
				<None>4360</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>806857108</cusip>
			<value>142</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1642</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>371</Sole>
				<Shared>0</Shared>
				<None>1271</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>806857108</cusip>
			<value>434</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5040</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<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>300</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9188</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>9188</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		</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>
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			<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>2715</value>
			<shrsOrPrnAmt>
				<sshPrnamt>17047</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>13547</Sole>
				<Shared>0</Shared>
				<None>3500</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SOUTHERN CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>842587107</cusip>
			<value>4437</value>
			<shrsOrPrnAmt>
				<sshPrnamt>105890</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>101673</Sole>
				<Shared>0</Shared>
				<None>4217</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SOUTHERN CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>842587107</cusip>
			<value>257</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6133</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>3967</Sole>
				<Shared>1700</Shared>
				<None>466</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SOUTHERN CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>842587107</cusip>
			<value>554</value>
			<shrsOrPrnAmt>
				<sshPrnamt>13212</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>10462</Sole>
				<Shared>1750</Shared>
				<None>1000</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPECTRA ENERGY CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>847560109</cusip>
			<value>783</value>
			<shrsOrPrnAmt>
				<sshPrnamt>24013</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>22188</Sole>
				<Shared>0</Shared>
				<None>1825</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPECTRA ENERGY CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>847560109</cusip>
			<value>174</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>403</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7510</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>7510</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>STATE STREET CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>857477103</cusip>
			<value>70</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>161</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2089</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1586</Sole>
				<Shared>0</Shared>
				<None>503</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>STERICYCLE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>858912108</cusip>
			<value>326</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2432</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2432</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SUNTRUST BANKS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>867914103</cusip>
			<value>154</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3587</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3587</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SUNTRUST BANKS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>867914103</cusip>
			<value>69</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1600</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1600</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SYSCO CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>871829107</cusip>
			<value>1181</value>
			<shrsOrPrnAmt>
				<sshPrnamt>32721</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>28871</Sole>
				<Shared>0</Shared>
				<None>3850</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SYSCO CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>871829107</cusip>
			<value>212</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5870</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>4479</Sole>
				<Shared>500</Shared>
				<None>891</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SYSCO CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>871829107</cusip>
			<value>54</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1500</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1500</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TALEN ENERGY COR PORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>87422J105</cusip>
			<value>260</value>
			<shrsOrPrnAmt>
				<sshPrnamt>15151</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>14968</Sole>
				<Shared>0</Shared>
				<None>183</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TALEN ENERGY COR PORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>87422J105</cusip>
			<value>1</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>12</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TALEN ENERGY COR PORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>87422J105</cusip>
			<value>6</value>
			<shrsOrPrnAmt>
				<sshPrnamt>339</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>339</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TARGET CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>87612E106</cusip>
			<value>492</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6029</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5778</Sole>
				<Shared>0</Shared>
				<None>251</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TARGET CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>87612E106</cusip>
			<value>257</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>TESORO LOGISTICS LP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>88160T107</cusip>
			<value>171</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>3000</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TESORO LOGISTICS LP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>88160T107</cusip>
			<value>109</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1900</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>1900</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>883556102</cusip>
			<value>1293</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9966</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>9276</Sole>
				<Shared>0</Shared>
				<None>690</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>883556102</cusip>
			<value>23</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>1860</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12057</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>11959</Sole>
				<Shared>0</Shared>
				<None>98</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>3M COMPANY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>88579Y101</cusip>
			<value>277</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1795</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1590</Sole>
				<Shared>0</Shared>
				<None>205</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>3M COMPANY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>88579Y101</cusip>
			<value>17</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>259</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4456</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4159</Sole>
				<Shared>0</Shared>
				<None>297</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TORCHMARK CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>891027104</cusip>
			<value>87</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1500</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1500</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TOTAL SA - SPON ADR</nameOfIssuer>
			<titleOfClass>ADRS</titleOfClass>
			<cusip>89151E109</cusip>
			<value>421</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8553</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>8553</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TOTAL SA - SPON ADR</nameOfIssuer>
			<titleOfClass>ADRS</titleOfClass>
			<cusip>89151E109</cusip>
			<value>75</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1523</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1084</Sole>
				<Shared>0</Shared>
				<None>439</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>THE TRAVELERS COMPANIES INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>89417E109</cusip>
			<value>821</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>17</value>
			<shrsOrPrnAmt>
				<sshPrnamt>178</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>178</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>THE TRAVELERS COMPANIES INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>89417E109</cusip>
			<value>22</value>
			<shrsOrPrnAmt>
				<sshPrnamt>225</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>225</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TRUSTMARK CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>898402102</cusip>
			<value>9393</value>
			<shrsOrPrnAmt>
				<sshPrnamt>376036</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>10501</Sole>
				<Shared>2000</Shared>
				<None>363535</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TRUSTMARK CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>898402102</cusip>
			<value>93</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3704</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>1033</Shared>
				<None>2671</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TRUSTMARK CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>898402102</cusip>
			<value>3335</value>
			<shrsOrPrnAmt>
				<sshPrnamt>133493</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>133493</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TYSON FOODS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>902494103</cusip>
			<value>1309</value>
			<shrsOrPrnAmt>
				<sshPrnamt>30696</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>30598</Sole>
				<Shared>0</Shared>
				<None>98</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TYSON FOODS INC</nameOfIssuer>
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			<cusip>902494103</cusip>
			<value>101</value>
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				<sshPrnamt>2362</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2362</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>US BANCORP DEL</nameOfIssuer>
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			<cusip>902973304</cusip>
			<value>72</value>
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				<sshPrnamt>1664</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1464</Sole>
				<Shared>0</Shared>
				<None>200</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>US BANCORP DEL</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>902973304</cusip>
			<value>361</value>
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				<sshPrnamt>8320</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>8320</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>UNILEVER PLC</nameOfIssuer>
			<titleOfClass>ADRS</titleOfClass>
			<cusip>904767704</cusip>
			<value>327</value>
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				<sshPrnamt>7607</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>7607</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>UNILEVER PLC</nameOfIssuer>
			<titleOfClass>ADRS</titleOfClass>
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			<value>61</value>
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				<sshPrnamt>1420</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1000</Sole>
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				<None>420</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>UNION PACIFIC CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>907818108</cusip>
			<value>53</value>
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				<sshPrnamt>560</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>340</Sole>
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				<None>220</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>UNION PACIFIC CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>907818108</cusip>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
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				<None>2400</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>UNION PACIFIC CORP</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>6420</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>911312106</cusip>
			<value>953</value>
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				<sshPrnamt>9838</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>7733</Sole>
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				<None>2105</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>184</value>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1600</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>UNITED RENTALS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>911363109</cusip>
			<value>175</value>
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				<sshPrnamt>2000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>2000</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>UNITED RENTALS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>911363109</cusip>
			<value>166</value>
			<shrsOrPrnAmt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
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				<None>1900</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>UNITED TECHNOLOGIES CORP</nameOfIssuer>
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			<cusip>913017109</cusip>
			<value>1805</value>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>12283</Sole>
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				<None>3990</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>UNITED TECHNOLOGIES CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>913017109</cusip>
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			<shrsOrPrnAmt>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2975</Sole>
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				<None>900</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>91324P102</cusip>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>19809</Sole>
				<Shared>0</Shared>
				<None>500</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>91324P102</cusip>
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			<shrsOrPrnAmt>
				<sshPrnamt>2418</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>2084</Sole>
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				<None>334</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>91324P102</cusip>
			<value>98</value>
			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>800</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>V F CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>918204108</cusip>
			<value>1438</value>
			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>19980</Sole>
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				<None>640</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>V F CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>918204108</cusip>
			<value>2</value>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>27</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VALERO ENERGY CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>91913Y100</cusip>
			<value>432</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6900</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6900</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VALERO ENERGY CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>91913Y100</cusip>
			<value>141</value>
			<shrsOrPrnAmt>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1674</Sole>
				<Shared>575</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VALSPAR CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>209</value>
			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2554</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADEDFUNDS-FIXED IN</titleOfClass>
			<cusip>921937827</cusip>
			<value>334</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4165</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>555</Sole>
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				<None>3610</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED</titleOfClass>
			<cusip>921937835</cusip>
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			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
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				<None>4679</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED</titleOfClass>
			<cusip>92204A702</cusip>
			<value>53</value>
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				<sshPrnamt>500</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
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				<None>500</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADED</titleOfClass>
			<cusip>92204A702</cusip>
			<value>212</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>2000</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD NATURAL RESOURCES LLC</nameOfIssuer>
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			<cusip>92205F106</cusip>
			<value>309</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>20720</Sole>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD NATURAL RESOURCES LLC</nameOfIssuer>
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			<cusip>92205F106</cusip>
			<value>22</value>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1500</Sole>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD</nameOfIssuer>
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			<cusip>92206C409</cusip>
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				<sshPrnamt>272491</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>245245</Sole>
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				<None>27246</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD</nameOfIssuer>
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			<cusip>92206C409</cusip>
			<value>242</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3035</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>2760</Sole>
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			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADEDFUNDS-FIXED IN</titleOfClass>
			<cusip>92206C409</cusip>
			<value>656</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8248</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>7720</Sole>
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				<None>470</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VASCO DATA SECURITY INTL INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>92230Y104</cusip>
			<value>151</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5000</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
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				<None>5000</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VASCO DATA SECURITY INTL INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>92230Y104</cusip>
			<value>91</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>3000</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VECTREN CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>92240G101</cusip>
			<value>58</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1500</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1500</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VECTREN CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>92240G101</cusip>
			<value>250</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6494</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>6494</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VENTAS INC</nameOfIssuer>
			<titleOfClass>REIT</titleOfClass>
			<cusip>92276F100</cusip>
			<value>243</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3913</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3913</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VENTAS INC</nameOfIssuer>
			<titleOfClass>REIT</titleOfClass>
			<cusip>92276F100</cusip>
			<value>45</value>
			<shrsOrPrnAmt>
				<sshPrnamt>722</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>513</Sole>
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				<None>209</None>
			</votingAuthority>
		</infoTable>
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				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3417</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WESTERN GAS PARTNERS LP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>958254104</cusip>
			<value>317</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>5000</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WESTERN GAS PARTNERS LP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>958254104</cusip>
			<value>127</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>2000</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WESTERN UNION COMPANY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>959802109</cusip>
			<value>947</value>
			<shrsOrPrnAmt>
				<sshPrnamt>46603</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>21773</Sole>
				<Shared>0</Shared>
				<None>24830</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WESTERN UNION COMPANY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>959802109</cusip>
			<value>37</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1800</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>1800</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WESTERN UNION COMPANY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>959802109</cusip>
			<value>54</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2660</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>540</Sole>
				<Shared>2120</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WEYERHAEUSER CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>962166104</cusip>
			<value>103</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3265</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>3265</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WEYERHAEUSER CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>962166104</cusip>
			<value>330</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10487</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>10487</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WISDOMTREE</nameOfIssuer>
			<titleOfClass>EXCHANGE TRADEDFUNDS-EQUITY</titleOfClass>
			<cusip>97717W505</cusip>
			<value>660</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7982</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>7254</Sole>
				<Shared>0</Shared>
				<None>728</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ZIMMER BIOMET HOLDINGS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>98956P102</cusip>
			<value>239</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2189</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2189</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ZOETIS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>98978V103</cusip>
			<value>298</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6178</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6178</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALLERGAN PLC</nameOfIssuer>
			<titleOfClass>FOREIGN STOCK</titleOfClass>
			<cusip>G0177J108</cusip>
			<value>1772</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5840</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1286</Sole>
				<Shared>0</Shared>
				<None>4554</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALLERGAN PLC</nameOfIssuer>
			<titleOfClass>FOREIGN STOCK</titleOfClass>
			<cusip>G0177J108</cusip>
			<value>223</value>
			<shrsOrPrnAmt>
				<sshPrnamt>736</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>116</Sole>
				<Shared>0</Shared>
				<None>620</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AMDOCS LTD</nameOfIssuer>
			<titleOfClass>FOREIGN STOCK</titleOfClass>
			<cusip>G02602103</cusip>
			<value>236</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4319</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3985</Sole>
				<Shared>0</Shared>
				<None>334</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AMDOCS LTD</nameOfIssuer>
			<titleOfClass>FOREIGN STOCK</titleOfClass>
			<cusip>G02602103</cusip>
			<value>46</value>
			<shrsOrPrnAmt>
				<sshPrnamt>839</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>710</Sole>
				<Shared>0</Shared>
				<None>129</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AON PLC</nameOfIssuer>
			<titleOfClass>FOREIGN STOCK</titleOfClass>
			<cusip>G0408V102</cusip>
			<value>264</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2650</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2468</Sole>
				<Shared>0</Shared>
				<None>182</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AON PLC</nameOfIssuer>
			<titleOfClass>FOREIGN STOCK</titleOfClass>
			<cusip>G0408V102</cusip>
			<value>47</value>
			<shrsOrPrnAmt>
				<sshPrnamt>471</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>402</Sole>
				<Shared>0</Shared>
				<None>69</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DELPHI AUTOMOTIVE PLC</nameOfIssuer>
			<titleOfClass>FOREIGN STOCK</titleOfClass>
			<cusip>G27823106</cusip>
			<value>419</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4929</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4559</Sole>
				<Shared>0</Shared>
				<None>370</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DELPHI AUTOMOTIVE PLC</nameOfIssuer>
			<titleOfClass>FOREIGN STOCK</titleOfClass>
			<cusip>G27823106</cusip>
			<value>69</value>
			<shrsOrPrnAmt>
				<sshPrnamt>807</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>677</Sole>
				<Shared>0</Shared>
				<None>130</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DELPHI AUTOMOTIVE PLC</nameOfIssuer>
			<titleOfClass>FOREIGN STOCK</titleOfClass>
			<cusip>G27823106</cusip>
			<value>27</value>
			<shrsOrPrnAmt>
				<sshPrnamt>316</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>316</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EATON CORP PLC</nameOfIssuer>
			<titleOfClass>FOREIGN STOCK</titleOfClass>
			<cusip>G29183103</cusip>
			<value>1550</value>
			<shrsOrPrnAmt>
				<sshPrnamt>22973</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>20073</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>
			</shrsOrPrnAmt>
			<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>176</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2613</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2343</Sole>
				<Shared>0</Shared>
				<None>270</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ICON PLC</nameOfIssuer>
			<titleOfClass>FOREIGN STOCK</titleOfClass>
			<cusip>G4705A100</cusip>
			<value>46</value>
			<shrsOrPrnAmt>
				<sshPrnamt>689</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>586</Sole>
				<Shared>0</Shared>
				<None>103</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INGERSOLL-RAND PLC</nameOfIssuer>
			<titleOfClass>FOREIGN STOCK</titleOfClass>
			<cusip>G47791101</cusip>
			<value>248</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3671</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3671</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INGERSOLL-RAND PLC</nameOfIssuer>
			<titleOfClass>FOREIGN STOCK</titleOfClass>
			<cusip>G47791101</cusip>
			<value>67</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1000</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INGERSOLL-RAND PLC</nameOfIssuer>
			<titleOfClass>FOREIGN STOCK</titleOfClass>
			<cusip>G47791101</cusip>
			<value>12</value>
			<shrsOrPrnAmt>
				<sshPrnamt>185</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>185</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
			<titleOfClass>FOREIGN STOCK</titleOfClass>
			<cusip>G5960L103</cusip>
			<value>574</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7745</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<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>148</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<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>21</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>62</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>41</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>ACE LIMITED</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>H0023R105</cusip>
			<value>915</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>9000</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>RADWARE LTD</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>M81873107</cusip>
			<value>145</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6540</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3346</Sole>
				<Shared>0</Shared>
				<None>3194</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>RADWARE LTD</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>M81873107</cusip>
			<value>92</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4141</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>1477</Sole>
				<Shared>0</Shared>
				<None>2664</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LYONDELLBASELL INDUSTRIES NV</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>N53745100</cusip>
			<value>1522</value>
			<shrsOrPrnAmt>
				<sshPrnamt>14703</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>13100</Sole>
				<Shared>0</Shared>
				<None>1603</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LYONDELLBASELL INDUSTRIES NV</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>N53745100</cusip>
			<value>53</value>
			<shrsOrPrnAmt>
				<sshPrnamt>510</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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				<Sole>433</Sole>
				<Shared>0</Shared>
				<None>77</None>
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			<nameOfIssuer>LYONDELLBASELL INDUSTRIES NV</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>N53745100</cusip>
			<value>92</value>
			<shrsOrPrnAmt>
				<sshPrnamt>890</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<Sole>290</Sole>
				<Shared>600</Shared>
				<None>0</None>
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			<nameOfIssuer>NIELSEN HOLDINGS B V</nameOfIssuer>
			<titleOfClass>FOREIGN STOCK</titleOfClass>
			<cusip>N63218106</cusip>
			<value>253</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5641</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5546</Sole>
				<Shared>0</Shared>
				<None>95</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>NXP SEMICONDUCTORS N V</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>N6596X109</cusip>
			<value>208</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2119</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1857</Sole>
				<Shared>0</Shared>
				<None>262</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>NXP SEMICONDUCTORS N V</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>N6596X109</cusip>
			<value>54</value>
			<shrsOrPrnAmt>
				<sshPrnamt>552</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>453</Sole>
				<Shared>0</Shared>
				<None>99</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>AVAGO TECHNOLOGIES LTD</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>Y0486S104</cusip>
			<value>194</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1459</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1313</Sole>
				<Shared>0</Shared>
				<None>146</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AVAGO TECHNOLOGIES LTD</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>Y0486S104</cusip>
			<value>49</value>
			<shrsOrPrnAmt>
				<sshPrnamt>366</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<votingAuthority>
				<Sole>310</Sole>
				<Shared>0</Shared>
				<None>56</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CAPITAL PRODUCT PARTNERS LP</nameOfIssuer>
			<titleOfClass>FOREIGN STOCK</titleOfClass>
			<cusip>Y11082107</cusip>
			<value>391</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>
