<informationTable xsi:schemaLocation="http://www.sec.gov/edgar/document/thirteenf/informationtable eis_13FDocument.xsd" xmlns="http://www.sec.gov/edgar/document/thirteenf/informationtable" xmlns:n1="http://www.sec.gov/edgar/document/thirteenf/informationtable" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
        <infoTable>
                <nameOfIssuer>AAON INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>000360206</cusip>
                <value>1003</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>36000</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>36000</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>AFLAC CORPORATION</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>001055102</cusip>
                <value>34</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>534</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>534</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>AFLAC CORPORATION</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>001055102</cusip>
                <value>460</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>7299</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>7299</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>AGL RES. INC.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>001204106</cusip>
                <value>674</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>13760</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>12560</Sole>
                        <Shared>0</Shared>
                        <None>1200</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>AGL RES. INC.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>001204106</cusip>
                <value>255</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>5206</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>5006</Sole>
                        <Shared>0</Shared>
                        <None>200</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ALERIAN MLP ETF</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>00162Q866</cusip>
                <value>3097</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>175370</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>171920</Sole>
                        <Shared>0</Shared>
                        <None>3450</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>ALERIAN MLP ETF</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>00162Q866</cusip>
                <value>18</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>ALERIAN MLP ETF</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>00162Q866</cusip>
                <value>831</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>47030</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>38860</Sole>
                        <Shared>0</Shared>
                        <None>8170</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>AT&amp;T</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>00206R102</cusip>
                <value>13775</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>392780</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>376453</Sole>
                        <Shared>0</Shared>
                        <None>16327</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>AT&amp;T</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>00206R102</cusip>
                <value>389</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>11100</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>4100</Sole>
                        <Shared>0</Shared>
                        <None>7000</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>AT&amp;T</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>00206R102</cusip>
                <value>6776</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>193217</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>129319</Sole>
                        <Shared>0</Shared>
                        <None>63898</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ABBOTT LABORATORIES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>002824100</cusip>
                <value>1231</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>31976</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>31043</Sole>
                        <Shared>0</Shared>
                        <None>933</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ABBOTT LABORATORIES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>002824100</cusip>
                <value>5174</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>134348</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>12005</Sole>
                        <Shared>0</Shared>
                        <None>122343</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ABBVIE INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>00287Y109</cusip>
                <value>1373</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>26707</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>25774</Sole>
                        <Shared>0</Shared>
                        <None>933</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ABBVIE INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>00287Y109</cusip>
                <value>700</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>13615</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>5028</Sole>
                        <Shared>0</Shared>
                        <None>8587</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ACCREDITED BUSINESS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>004365102</cusip>
                <value>0</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>80000</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>80000</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ACTUANT CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>00508X203</cusip>
                <value>683</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>20000</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>20000</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ADAMS EXPRESS COMPANY (CLOSED</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>006212104</cusip>
                <value>311</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>23942</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>23942</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ADAMS EXPRESS COMPANY (CLOSED</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>006212104</cusip>
                <value>29</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2230</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>2230</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>AETNA</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>00817Y108</cusip>
                <value>1204</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>16066</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>16066</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>AETNA</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>00817Y108</cusip>
                <value>109</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1451</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>183</Sole>
                        <Shared>0</Shared>
                        <None>1268</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>AGILENT TECHNOLOGIES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>00846U101</cusip>
                <value>348</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>6220</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>6220</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>AGILENT TECHNOLOGIES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>00846U101</cusip>
                <value>35</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>618</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>318</Sole>
                        <Shared>0</Shared>
                        <None>300</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>AIR PRODUCTS &amp; CHEMICALS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>009158106</cusip>
                <value>792</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>6650</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>6650</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>AIR PRODUCTS &amp; CHEMICALS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>009158106</cusip>
                <value>934</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>7845</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>6907</Sole>
                        <Shared>0</Shared>
                        <None>938</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ALCOA</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>013817101</cusip>
                <value>58</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>4523</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>4523</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ALCOA</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>013817101</cusip>
                <value>336</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>26110</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>13530</Sole>
                        <Shared>0</Shared>
                        <None>12580</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ALIGN TECHNOLOGY INC.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>016255101</cusip>
                <value>725</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>14000</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>14000</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ALLEGHENY VALLEY BANCORP PA</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>017427105</cusip>
                <value>328</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>7759</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>7759</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ALLEGIANT TRAVEL CO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>01748X102</cusip>
                <value>2127</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>19000</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>19000</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ALLERGAN INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>018490102</cusip>
                <value>35</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>282</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>282</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ALLERGAN INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>018490102</cusip>
                <value>358</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2887</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>1600</Sole>
                        <Shared>0</Shared>
                        <None>1287</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ALLSTATE</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>020002101</cusip>
                <value>85</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1497</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>1219</Sole>
                        <Shared>0</Shared>
                        <None>278</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ALLSTATE</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>020002101</cusip>
                <value>677</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>11973</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>9201</Sole>
                        <Shared>0</Shared>
                        <None>2772</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ALTRIA GROUP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>02209S103</cusip>
                <value>848</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>22643</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>21597</Sole>
                        <Shared>0</Shared>
                        <None>1046</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ALTRIA GROUP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>02209S103</cusip>
                <value>1874</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>50066</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>26897</Sole>
                        <Shared>0</Shared>
                        <None>23169</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>AMAZON.COM</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>023135106</cusip>
                <value>283</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>840</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>740</Sole>
                        <Shared>0</Shared>
                        <None>100</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>AMAZON.COM</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>023135106</cusip>
                <value>634</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1886</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>545</Sole>
                        <Shared>0</Shared>
                        <None>1341</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>AMBEV SA</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>02319V103</cusip>
                <value>171</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>23080</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>500</Sole>
                        <Shared>0</Shared>
                        <None>22580</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>AMERICAN CAMPUS COMMUNITIES     </nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>024835100</cusip>
                <value>242</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>6475</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>6475</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>AMERICAN CAMPUS COMMUNITIES     </nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>024835100</cusip>
                <value>12</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>330</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>330</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>AMERICAN ELECTRIC POWER</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>025537101</cusip>
                <value>5148</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>101613</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>100111</Sole>
                        <Shared>0</Shared>
                        <None>1502</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>AMERICAN ELECTRIC POWER</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>025537101</cusip>
                <value>608</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>12000</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>2000</Sole>
                        <Shared>0</Shared>
                        <None>10000</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>AMERICAN ELECTRIC POWER</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>025537101</cusip>
                <value>1289</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>25446</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>20362</Sole>
                        <Shared>0</Shared>
                        <None>5084</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>AMERICAN EXPRESS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>025816109</cusip>
                <value>433</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>4809</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>4809</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>AMERICAN EXPRESS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>025816109</cusip>
                <value>10894</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>121000</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>300</Sole>
                        <Shared>0</Shared>
                        <None>120700</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>AMERICAN INT'L GROUP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>026874784</cusip>
                <value>55</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1092</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>1092</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>AMERICAN INT'L GROUP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>026874784</cusip>
                <value>1070</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>21390</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>72</Sole>
                        <Shared>0</Shared>
                        <None>21318</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>AMERISOURCEBERGEN CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>03073E105</cusip>
                <value>430</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>6550</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>6550</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>AMERISOURCEBERGEN CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>03073E105</cusip>
                <value>130</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1989</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>1050</Sole>
                        <Shared>0</Shared>
                        <None>939</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>AMGEN</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>031162100</cusip>
                <value>6343</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>51428</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>50278</Sole>
                        <Shared>0</Shared>
                        <None>1150</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>AMGEN</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>031162100</cusip>
                <value>11</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>90</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>90</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>AMGEN</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>031162100</cusip>
                <value>5456</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>44232</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>6350</Sole>
                        <Shared>0</Shared>
                        <None>37882</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>AMPHENOL CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>032095101</cusip>
                <value>432</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>4712</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>3412</Sole>
                        <Shared>0</Shared>
                        <None>1300</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>AMPHENOL CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>032095101</cusip>
                <value>97</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1063</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>1063</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ANADARKO PETROLEUM</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>032511107</cusip>
                <value>402</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>4739</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>4485</Sole>
                        <Shared>0</Shared>
                        <None>254</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ANADARKO PETROLEUM</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>032511107</cusip>
                <value>887</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>10460</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>4900</Sole>
                        <Shared>0</Shared>
                        <None>5560</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ANALOGIC CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>032657207</cusip>
                <value>2053</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>25000</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>25000</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ANHEUSER-BUSCH INBEV NV</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>03524A108</cusip>
                <value>2</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>19</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>19</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ANHEUSER-BUSCH INBEV NV</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>03524A108</cusip>
                <value>375</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3560</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>3560</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ANNALY CAPITAL MGMT</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>035710409</cusip>
                <value>256</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>23325</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>21025</Sole>
                        <Shared>0</Shared>
                        <None>2300</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ANNALY CAPITAL MGMT</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>035710409</cusip>
                <value>279</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>25392</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>10100</Sole>
                        <Shared>0</Shared>
                        <None>15292</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ANSYS INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>03662Q105</cusip>
                <value>1115</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>14480</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>14480</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>APACHE CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>037411105</cusip>
                <value>323</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3899</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>3899</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>APACHE CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>037411105</cusip>
                <value>439</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>5288</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>2050</Sole>
                        <Shared>0</Shared>
                        <None>3238</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>APPLE INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>037833100</cusip>
                <value>20295</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>37812</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>37007</Sole>
                        <Shared>0</Shared>
                        <None>805</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>APPLE INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>037833100</cusip>
                <value>284</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>530</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>30</Sole>
                        <Shared>0</Shared>
                        <None>500</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>APPLE INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>037833100</cusip>
                <value>15760</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>29363</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>3689</Sole>
                        <Shared>0</Shared>
                        <None>25674</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>APPLIED MATERIALS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>038222105</cusip>
                <value>59</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2900</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>2900</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>APPLIED MATERIALS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>038222105</cusip>
                <value>1653</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>80984</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>2000</Sole>
                        <Shared>0</Shared>
                        <None>78984</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ARCHER DANIELS </nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>039483102</cusip>
                <value>328</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>7553</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>7353</Sole>
                        <Shared>0</Shared>
                        <None>200</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ARCHER DANIELS </nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>039483102</cusip>
                <value>184</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>4247</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>2626</Sole>
                        <Shared>0</Shared>
                        <None>1621</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ATMOS ENERGY CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>049560105</cusip>
                <value>48</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1016</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>1016</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ATMOS ENERGY CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>049560105</cusip>
                <value>424</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>9000</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>9000</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ATWOOD OCEANICS, INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>050095108</cusip>
                <value>519</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>10300</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>10300</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>AUTOMATIC DATA PROCESSING</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>053015103</cusip>
                <value>856</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>11073</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>11073</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>AUTOMATIC DATA PROCESSING</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>053015103</cusip>
                <value>580</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>7509</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>4368</Sole>
                        <Shared>0</Shared>
                        <None>3141</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BB&amp;T CORPORATION</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>054937107</cusip>
                <value>4503</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>112101</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>108501</Sole>
                        <Shared>0</Shared>
                        <None>3600</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BB&amp;T CORPORATION</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>054937107</cusip>
                <value>7691</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>191468</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>22718</Sole>
                        <Shared>0</Shared>
                        <None>168750</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BB&amp;T CORPORATION</nameOfIssuer>
                <titleOfClass>PREFERRED STOCK</titleOfClass>
                <cusip>054937404</cusip>
                <value>45</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2000</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>2000</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BB&amp;T CORPORATION</nameOfIssuer>
                <titleOfClass>PREFERRED STOCK</titleOfClass>
                <cusip>054937404</cusip>
                <value>22</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>BB&amp;T CORPORATION</nameOfIssuer>
                <titleOfClass>PREFERRED STOCK</titleOfClass>
                <cusip>054937404</cusip>
                <value>350</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>15625</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>625</Sole>
                        <Shared>0</Shared>
                        <None>15000</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BP PLC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>055622104</cusip>
                <value>1690</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>35130</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>34593</Sole>
                        <Shared>0</Shared>
                        <None>537</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BP PLC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>055622104</cusip>
                <value>1396</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>29032</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>18382</Sole>
                        <Shared>0</Shared>
                        <None>10650</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BAIDU.COM ADR</nameOfIssuer>
                <titleOfClass>FOREIGN STOCK</titleOfClass>
                <cusip>056752108</cusip>
                <value>28</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>181</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>181</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BAIDU.COM ADR</nameOfIssuer>
                <titleOfClass>FOREIGN STOCK</titleOfClass>
                <cusip>056752108</cusip>
                <value>286</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1877</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>550</Sole>
                        <Shared>0</Shared>
                        <None>1327</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BAKER HUGHES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>057224107</cusip>
                <value>166</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2550</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>2550</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BAKER HUGHES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>057224107</cusip>
                <value>197</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3028</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>200</Sole>
                        <Shared>0</Shared>
                        <None>2828</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BANCO SANTANDER CEN-SPON ADR</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>05964H105</cusip>
                <value>182</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>19000</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>19000</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BANCO SANTANDER CEN-SPON ADR</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>05964H105</cusip>
                <value>101</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>10530</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>10530</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BANK OF AMERICA</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>060505104</cusip>
                <value>174</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>10093</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>10093</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BANK OF AMERICA</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>060505104</cusip>
                <value>927</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>53923</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>18236</Sole>
                        <Shared>0</Shared>
                        <None>35687</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BANK OF AMERICA</nameOfIssuer>
                <titleOfClass>PREFERRED STOCK</titleOfClass>
                <cusip>060505633</cusip>
                <value>573</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>30209</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>30209</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BANK OF AMERICA</nameOfIssuer>
                <titleOfClass>PREFERRED STOCK</titleOfClass>
                <cusip>060505633</cusip>
                <value>161</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>8500</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>5000</Sole>
                        <Shared>0</Shared>
                        <None>3500</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BANK OF HAWAII CORP.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>062540109</cusip>
                <value>261</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>4310</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>4210</Sole>
                        <Shared>0</Shared>
                        <None>100</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BANK OF HAWAII CORP.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>062540109</cusip>
                <value>102</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1675</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>400</Sole>
                        <Shared>0</Shared>
                        <None>1275</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BANK OF NY MELLON CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>064058100</cusip>
                <value>101</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2856</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>2856</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BANK OF NY MELLON CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>064058100</cusip>
                <value>1120</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>31750</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>8442</Sole>
                        <Shared>0</Shared>
                        <None>23308</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BANNER CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>06652V208</cusip>
                <value>824</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>20000</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>20000</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>C.R BARD INC.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>067383109</cusip>
                <value>44</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>298</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>298</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>C.R BARD INC.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>067383109</cusip>
                <value>401</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2711</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>925</Sole>
                        <Shared>0</Shared>
                        <None>1786</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BARRICK GOLD CORP F</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>067901108</cusip>
                <value>8</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>460</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>460</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BARRICK GOLD CORP F</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>067901108</cusip>
                <value>174</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>9750</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>150</Sole>
                        <Shared>0</Shared>
                        <None>9600</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BAXTER INTERNATIONAL</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>071813109</cusip>
                <value>803</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>10910</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>10777</Sole>
                        <Shared>0</Shared>
                        <None>133</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BAXTER INTERNATIONAL</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>071813109</cusip>
                <value>2732</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>37132</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>7650</Sole>
                        <Shared>0</Shared>
                        <None>29482</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BE AEROSPACE,INC.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>073302101</cusip>
                <value>201</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2320</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>2320</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BE AEROSPACE,INC.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>073302101</cusip>
                <value>2056</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>23690</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>500</Sole>
                        <Shared>0</Shared>
                        <None>23190</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BEAM INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>073730103</cusip>
                <value>510</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>6119</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>5819</Sole>
                        <Shared>0</Shared>
                        <None>300</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BEAM INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>073730103</cusip>
                <value>425</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>5097</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>4647</Sole>
                        <Shared>0</Shared>
                        <None>450</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BENCHMARK ELECTRONICS INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>08160H101</cusip>
                <value>763</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>33700</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>33700</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BERKSHIRE HATHAWAY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>084670702</cusip>
                <value>1114</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>8914</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>7824</Sole>
                        <Shared>0</Shared>
                        <None>1090</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BERKSHIRE HATHAWAY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>084670702</cusip>
                <value>978</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>7822</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>2292</Sole>
                        <Shared>0</Shared>
                        <None>5530</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BHP BILLITON LIMITED -ADR</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>088606108</cusip>
                <value>77</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1133</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>1133</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BHP BILLITON LIMITED -ADR</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>088606108</cusip>
                <value>247</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3652</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>3652</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BIOGEN IDEC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>09062X103</cusip>
                <value>115</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>375</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>375</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BIOGEN IDEC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>09062X103</cusip>
                <value>295</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>963</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>155</Sole>
                        <Shared>0</Shared>
                        <None>808</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BLACKROCK INCOME TRUST</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>09247F100</cusip>
                <value>192</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>29430</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>29430</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BLACKROCK INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>09247X101</cusip>
                <value>1</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>4</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>4</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BLACKROCK INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>09247X101</cusip>
                <value>399</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1270</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>855</Sole>
                        <Shared>0</Shared>
                        <None>415</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>BLUCORA INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>095229100</cusip>
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                        <None>3116</None>
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                        <None>1000</None>
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                        <None>83610</None>
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                <votingAuthority>
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                        <None>1440</None>
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        <infoTable>
                <nameOfIssuer>BORGWARNER, INC.</nameOfIssuer>
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                        <None>0</None>
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        <infoTable>
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                        <None>8000</None>
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                        <None>30000</None>
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                        <None>0</None>
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        <infoTable>
                <nameOfIssuer>BRISTOL-MYERS SQUIBB</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
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                <votingAuthority>
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                        <None>40211</None>
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                <votingAuthority>
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                <votingAuthority>
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                        <Sole>5370</Sole>
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                        <None>119735</None>
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                <votingAuthority>
                        <Sole>21580</Sole>
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                        <None>850</None>
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                <nameOfIssuer>BUCKEYE PARTNERS L P</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
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                <votingAuthority>
                        <Sole>625</Sole>
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                        <None>0</None>
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        <infoTable>
                <nameOfIssuer>BUCKEYE PARTNERS L P</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>118230101</cusip>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
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                        <None>125</None>
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                <nameOfIssuer>BUFFALO WILD WINGS INC</nameOfIssuer>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
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                        <None>3350</None>
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                <nameOfIssuer>CBS CORP</nameOfIssuer>
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                <votingAuthority>
                        <Sole>25513</Sole>
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                        <None>300</None>
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                <nameOfIssuer>CF INDUSTRIES HLDGS</nameOfIssuer>
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                <votingAuthority>
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                        <None>90</None>
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                <nameOfIssuer>CF INDUSTRIES HLDGS</nameOfIssuer>
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                <cusip>125269100</cusip>
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                        <None>0</None>
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                <nameOfIssuer>CF INDUSTRIES HLDGS</nameOfIssuer>
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                <investmentDiscretion>OTR</investmentDiscretion>
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                        <None>13559</None>
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                <nameOfIssuer>CIGNA CORP</nameOfIssuer>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
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                        <None>0</None>
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                <investmentDiscretion>OTR</investmentDiscretion>
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                        <None>848</None>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
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                        <None>1308</None>
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                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
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                        <None>0</None>
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        <infoTable>
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                <cusip>126408103</cusip>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>12612</Sole>
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                        <None>6979</None>
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                <nameOfIssuer>CVS CAREMARK</nameOfIssuer>
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                <votingAuthority>
                        <Sole>96526</Sole>
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                        <None>1240</None>
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        <infoTable>
                <nameOfIssuer>CVS CAREMARK</nameOfIssuer>
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        <infoTable>
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                        <None>142007</None>
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        <infoTable>
                <nameOfIssuer>CAMERON INTERNATIONAL CORP.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>13342B105</cusip>
                <value>19</value>
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                <votingAuthority>
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                        <None>0</None>
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        </infoTable>
        <infoTable>
                <nameOfIssuer>CAMERON INTERNATIONAL CORP.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>100</Sole>
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                        <None>3057</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>CAMPBELL SOUP COMPANY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>134429109</cusip>
                <value>336</value>
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                        <sshPrnamt>7488</sshPrnamt>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>7488</Sole>
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                        <None>0</None>
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        </infoTable>
        <infoTable>
                <nameOfIssuer>CAMPBELL SOUP COMPANY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>134429109</cusip>
                <value>36</value>
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                        <sshPrnamt>811</sshPrnamt>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>211</Sole>
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                        <None>600</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>CANADIAN NAT'L RAILWAY CO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>136375102</cusip>
                <value>77</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1364</sshPrnamt>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>964</Sole>
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                        <None>400</None>
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        <infoTable>
                <nameOfIssuer>CANADIAN NAT'L RAILWAY CO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>136375102</cusip>
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                        <sshPrnamt>52470</sshPrnamt>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>400</Sole>
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                        <None>52070</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>CANADIAN NATURAL RESOURCES LTD.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>136385101</cusip>
                <value>56</value>
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                        <sshPrnamt>1466</sshPrnamt>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>1466</Sole>
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                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>CANADIAN NATURAL RESOURCES LTD.</nameOfIssuer>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>5367</None>
                </votingAuthority>
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                <nameOfIssuer>CARDINAL FINANCIAL CORP</nameOfIssuer>
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                        <sshPrnamt>105000</sshPrnamt>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>105000</None>
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                <nameOfIssuer>CARDINAL HEALTH</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>14149Y108</cusip>
                <value>442</value>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>5860</Sole>
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                        <None>450</None>
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        <infoTable>
                <nameOfIssuer>CARDINAL HEALTH</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>14149Y108</cusip>
                <value>233</value>
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                        <sshPrnamt>3329</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>2000</Sole>
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                        <None>1329</None>
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                <nameOfIssuer>CARRIZO OIL &amp; GAS</nameOfIssuer>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>500</Sole>
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                        <None>0</None>
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        <infoTable>
                <nameOfIssuer>CARRIZO OIL &amp; GAS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
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                        <None>148500</None>
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                <nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
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                <cusip>149123101</cusip>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>10647</Sole>
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                        <None>100</None>
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        <infoTable>
                <nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>149123101</cusip>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>6252</Sole>
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                        <None>3394</None>
                </votingAuthority>
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                <nameOfIssuer>CELGENE CORP</nameOfIssuer>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>6965</Sole>
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                        <None>1300</None>
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        <infoTable>
                <nameOfIssuer>CELGENE CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>151020104</cusip>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>1200</Sole>
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                        <None>47677</None>
                </votingAuthority>
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                <nameOfIssuer>CENTURYLINK</nameOfIssuer>
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                <value>96</value>
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                        <sshPrnamt>2917</sshPrnamt>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>2762</Sole>
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                        <None>155</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>CENTURYLINK</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>1533</Sole>
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                        <None>2107</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>CERNER CORP.</nameOfIssuer>
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                        <sshPrnamt>7728</sshPrnamt>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>7728</Sole>
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                        <None>0</None>
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        <infoTable>
                <nameOfIssuer>CERNER CORP.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>2592</Sole>
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                        <None>2736</None>
                </votingAuthority>
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                <nameOfIssuer>CHART INDUSTRIES</nameOfIssuer>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
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                        <None>12200</None>
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                <nameOfIssuer>CHEVRON CORPORATION</nameOfIssuer>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>160598</Sole>
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                        <None>7985</None>
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        <infoTable>
                <nameOfIssuer>CHEVRON CORPORATION</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
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                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>690</Sole>
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                        <None>2000</None>
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        <infoTable>
                <nameOfIssuer>CHEVRON CORPORATION</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>30399</Sole>
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                        <None>24803</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>CHICAGO BRIDGE &amp; IRON</nameOfIssuer>
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                <votingAuthority>
                        <Sole>78621</Sole>
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                        <None>1885</None>
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        <infoTable>
                <nameOfIssuer>CHICAGO BRIDGE &amp; IRON</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>167250109</cusip>
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                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
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                        <None>0</None>
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        <infoTable>
                <nameOfIssuer>CHICAGO BRIDGE &amp; IRON</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>167250109</cusip>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>6515</Sole>
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                        <None>207130</None>
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        <infoTable>
                <nameOfIssuer>CHICO'S FAS, INC.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
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                        <sshPrnamt>55300</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
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                        <None>55300</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>CHUBB</nameOfIssuer>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>3287</Sole>
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                        <None>0</None>
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        <infoTable>
                <nameOfIssuer>CHUBB</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
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                        <None>907</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>CHURCH &amp; DWIGHT CO., INC.</nameOfIssuer>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
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        <infoTable>
                <nameOfIssuer>CHURCH &amp; DWIGHT CO., INC.</nameOfIssuer>
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                <investmentDiscretion>OTR</investmentDiscretion>
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                        <None>0</None>
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        <infoTable>
                <nameOfIssuer>CIMAREX ENERGY CO.</nameOfIssuer>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>40</Sole>
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                        <None>0</None>
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        </infoTable>
        <infoTable>
                <nameOfIssuer>CIMAREX ENERGY CO.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
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                        <None>15086</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>CISCO SYSTEMS</nameOfIssuer>
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                <votingAuthority>
                        <Sole>241686</Sole>
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                        <None>3600</None>
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        <infoTable>
                <nameOfIssuer>CISCO SYSTEMS</nameOfIssuer>
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                <investmentDiscretion>DFND</investmentDiscretion>
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        <infoTable>
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                <investmentDiscretion>OTR</investmentDiscretion>
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                        <None>107195</None>
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        <infoTable>
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                <votingAuthority>
                        <Sole>2227</Sole>
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                        <None>0</None>
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        <infoTable>
                <nameOfIssuer>CITIGROUP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
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                        <None>300</None>
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        <infoTable>
                <nameOfIssuer>CITIGROUP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
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                        <None>23442</None>
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        <infoTable>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>5980</Sole>
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                        <None>0</None>
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        <infoTable>
                <nameOfIssuer>CLOROX</nameOfIssuer>
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                <investmentDiscretion>SOLE</investmentDiscretion>
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                        <None>0</None>
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        <infoTable>
                <nameOfIssuer>CLOROX</nameOfIssuer>
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                        <None>500</None>
                </votingAuthority>
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        <infoTable>
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                <votingAuthority>
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                        <None>0</None>
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        <infoTable>
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                <investmentDiscretion>OTR</investmentDiscretion>
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                        <None>14392</None>
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        <infoTable>
                <nameOfIssuer>COCA-COLA CO</nameOfIssuer>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>383462</Sole>
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                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>1195</Sole>
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                        <None>6000</None>
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        <infoTable>
                <nameOfIssuer>COCA-COLA CO</nameOfIssuer>
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                        <None>56732</None>
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                        <None>19275</None>
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                <nameOfIssuer>COLGATE-PALMOLIVE COMPANY</nameOfIssuer>
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                        <Sole>13602</Sole>
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                        <None>66</None>
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        <infoTable>
                <nameOfIssuer>COLGATE-PALMOLIVE COMPANY</nameOfIssuer>
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                        <None>0</None>
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        <infoTable>
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                <votingAuthority>
                        <Sole>1381</Sole>
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                        <None>12180</None>
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                <investmentDiscretion>OTR</investmentDiscretion>
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                        <Sole>0</Sole>
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                        <None>11500</None>
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                        <Sole>0</Sole>
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                        <None>3900</None>
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                <votingAuthority>
                        <Sole>21350</Sole>
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                        <None>4419</None>
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                <votingAuthority>
                        <Sole>145540</Sole>
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                        <None>5435</None>
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        <infoTable>
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                <votingAuthority>
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        <infoTable>
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                <votingAuthority>
                        <Sole>6060</Sole>
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        <infoTable>
                <nameOfIssuer>CONSOL ENERGY INC</nameOfIssuer>
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                <votingAuthority>
                        <Sole>1356</Sole>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>2570</Sole>
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        <infoTable>
                <nameOfIssuer>CONSOLIDATED EDISON INC</nameOfIssuer>
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        <infoTable>
                <nameOfIssuer>CONSOLIDATED EDISON INC</nameOfIssuer>
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                <votingAuthority>
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                        <None>2348</None>
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                <cusip>212015101</cusip>
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                <votingAuthority>
                        <Sole>48525</Sole>
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                        <None>1500</None>
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        <infoTable>
                <nameOfIssuer>CONTINENTAL RESOURCES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>212015101</cusip>
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                <investmentDiscretion>DFND</investmentDiscretion>
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                        <Sole>90</Sole>
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                        <None>0</None>
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        <infoTable>
                <nameOfIssuer>CONTINENTAL RESOURCES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>212015101</cusip>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>1920</Sole>
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                        <None>40740</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>CONVERSANT INC</nameOfIssuer>
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                <cusip>21249J105</cusip>
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                        <sshPrnamt>19500</sshPrnamt>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
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                        <None>19500</None>
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        <infoTable>
                <nameOfIssuer>COPART,INC </nameOfIssuer>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
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                        <None>7682</None>
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                <nameOfIssuer>CORNING</nameOfIssuer>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>19454</Sole>
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                        <None>0</None>
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        <infoTable>
                <nameOfIssuer>CORNING</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>28392</Sole>
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                        <None>3600</None>
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                <nameOfIssuer>COSTCO WHOLESALE</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>22160K105</cusip>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>51283</Sole>
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                        <None>1450</None>
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        <infoTable>
                <nameOfIssuer>COSTCO WHOLESALE</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>22160K105</cusip>
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                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>90</Sole>
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                        <None>0</None>
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        </infoTable>
        <infoTable>
                <nameOfIssuer>COSTCO WHOLESALE</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>22160K105</cusip>
                <value>966</value>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>3317</Sole>
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                        <None>5329</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>COVANCE INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>222816100</cusip>
                <value>166</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1598</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>1598</Sole>
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                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>COVANCE INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>222816100</cusip>
                <value>2180</value>
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                        <sshPrnamt>20982</sshPrnamt>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>75</Sole>
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                        <None>20907</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>CREE INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>225447101</cusip>
                <value>774</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>13680</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>13680</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>CUBIST PHARMACEUTICALS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>229678107</cusip>
                <value>7</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>100</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>100</Sole>
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                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>CUBIST PHARMACEUTICALS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>229678107</cusip>
                <value>2392</value>
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                        <sshPrnamt>32700</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>32700</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>CUMMINS INC.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>231021106</cusip>
                <value>104</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>698</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>428</Sole>
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                        <None>270</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>CUMMINS INC.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>231021106</cusip>
                <value>190</value>
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                        <sshPrnamt>1272</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>800</Sole>
                        <Shared>0</Shared>
                        <None>472</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>D T E ENERGY CO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>233331107</cusip>
                <value>135</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1813</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>1813</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>D T E ENERGY CO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>233331107</cusip>
                <value>120</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1613</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>800</Sole>
                        <Shared>0</Shared>
                        <None>813</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>DANAHER</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>235851102</cusip>
                <value>525</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>7000</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>7000</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>DANAHER</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>235851102</cusip>
                <value>283</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3778</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>1050</Sole>
                        <Shared>0</Shared>
                        <None>2728</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>DARDEN RESTAURANTS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>237194105</cusip>
                <value>411</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>8100</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>7600</Sole>
                        <Shared>0</Shared>
                        <None>500</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>DARDEN RESTAURANTS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>237194105</cusip>
                <value>195</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3839</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>3589</Sole>
                        <Shared>0</Shared>
                        <None>250</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>244199105</cusip>
                <value>2209</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>24324</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>22394</Sole>
                        <Shared>0</Shared>
                        <None>1930</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>244199105</cusip>
                <value>272</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3000</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>3000</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>244199105</cusip>
                <value>1211</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>13332</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>2240</Sole>
                        <Shared>0</Shared>
                        <None>11092</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>DEVON ENERGY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>25179M103</cusip>
                <value>202</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3018</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>2418</Sole>
                        <Shared>0</Shared>
                        <None>600</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>DEVON ENERGY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>25179M103</cusip>
                <value>107</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1606</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>456</Sole>
                        <Shared>0</Shared>
                        <None>1150</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>DIAGEO PLC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>25243Q205</cusip>
                <value>6</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>50</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>50</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>DIAGEO PLC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>25243Q205</cusip>
                <value>235</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1885</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>615</Sole>
                        <Shared>0</Shared>
                        <None>1270</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>WALT DISNEY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>254687106</cusip>
                <value>8734</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>109081</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>106541</Sole>
                        <Shared>0</Shared>
                        <None>2540</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>WALT DISNEY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>254687106</cusip>
                <value>331</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>4130</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>130</Sole>
                        <Shared>0</Shared>
                        <None>4000</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>WALT DISNEY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>254687106</cusip>
                <value>9302</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>116170</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>12690</Sole>
                        <Shared>0</Shared>
                        <None>103480</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>DISCOVER FINANCIAL SERVICES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>254709108</cusip>
                <value>17</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>289</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>146</Sole>
                        <Shared>0</Shared>
                        <None>143</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>DISCOVER FINANCIAL SERVICES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>254709108</cusip>
                <value>1142</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>19627</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>3672</Sole>
                        <Shared>0</Shared>
                        <None>15955</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>DIRECTV</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>25490A309</cusip>
                <value>184</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2412</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>2412</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>DIRECTV</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>25490A309</cusip>
                <value>384</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>5019</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>100</Sole>
                        <Shared>0</Shared>
                        <None>4919</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>DOMINION RESOURCES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>25746U109</cusip>
                <value>7598</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>107027</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>93889</Sole>
                        <Shared>0</Shared>
                        <None>13138</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>DOMINION RESOURCES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>25746U109</cusip>
                <value>548</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>7718</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>3618</Sole>
                        <Shared>0</Shared>
                        <None>4100</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>DOMINION RESOURCES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>25746U109</cusip>
                <value>4303</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>60615</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>54001</Sole>
                        <Shared>0</Shared>
                        <None>6614</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>DOVER CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>260003108</cusip>
                <value>7</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>87</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>87</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>DOVER CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>260003108</cusip>
                <value>705</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>8622</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>8622</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>DOW CHEMICAL</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>260543103</cusip>
                <value>7128</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>146689</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>141189</Sole>
                        <Shared>0</Shared>
                        <None>5500</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>DOW CHEMICAL</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>260543103</cusip>
                <value>97</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>DOW CHEMICAL</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>260543103</cusip>
                <value>3509</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>72221</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>37518</Sole>
                        <Shared>0</Shared>
                        <None>34703</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>DR PEPPER SNAPPLE GROUP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>26138E109</cusip>
                <value>224</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>4105</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>4105</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>DR PEPPER SNAPPLE GROUP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>26138E109</cusip>
                <value>116</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2125</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>1261</Sole>
                        <Shared>0</Shared>
                        <None>864</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>EI DU PONT DE NEMOURS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>263534109</cusip>
                <value>12080</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>180032</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>175090</Sole>
                        <Shared>0</Shared>
                        <None>4942</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>EI DU PONT DE NEMOURS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>263534109</cusip>
                <value>279</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>4160</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>1160</Sole>
                        <Shared>0</Shared>
                        <None>3000</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>EI DU PONT DE NEMOURS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>263534109</cusip>
                <value>5389</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>80308</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>45523</Sole>
                        <Shared>0</Shared>
                        <None>34785</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>DUKE REALTY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>264411505</cusip>
                <value>95</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>5600</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>5600</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>DUKE REALTY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>264411505</cusip>
                <value>84</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>5000</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>2000</Sole>
                        <Shared>0</Shared>
                        <None>3000</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>DUKE ENERGY CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>26441C204</cusip>
                <value>2332</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>32741</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>31302</Sole>
                        <Shared>0</Shared>
                        <None>1439</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>DUKE ENERGY CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>26441C204</cusip>
                <value>279</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3916</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>1250</Sole>
                        <Shared>0</Shared>
                        <None>2666</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>DUKE ENERGY CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>26441C204</cusip>
                <value>1818</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>25521</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>5549</Sole>
                        <Shared>0</Shared>
                        <None>19972</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>DUKE ENERGY CORP</nameOfIssuer>
                <titleOfClass>PREFERRED STOCK</titleOfClass>
                <cusip>26441C303</cusip>
                <value>364</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>15685</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>15685</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>DUKE ENERGY CORP</nameOfIssuer>
                <titleOfClass>PREFERRED STOCK</titleOfClass>
                <cusip>26441C303</cusip>
                <value>102</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>4400</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>4400</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>E M C CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>268648102</cusip>
                <value>6079</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>221779</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>220979</Sole>
                        <Shared>0</Shared>
                        <None>800</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>E M C CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>268648102</cusip>
                <value>8</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>290</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>290</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>E M C CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>268648102</cusip>
                <value>9213</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>336114</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>32825</Sole>
                        <Shared>0</Shared>
                        <None>303289</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>EOG RESOURCES, INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>26875P101</cusip>
                <value>9188</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>46835</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>46835</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>EOG RESOURCES, INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>26875P101</cusip>
                <value>1856</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>9460</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>3400</Sole>
                        <Shared>0</Shared>
                        <None>6060</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ESB FINANCIAL CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>26884F102</cusip>
                <value>377</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>28881</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>28881</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>EQT CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>26884L109</cusip>
                <value>6357</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>65555</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>63785</Sole>
                        <Shared>0</Shared>
                        <None>1770</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>EQT CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>26884L109</cusip>
                <value>157</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1620</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>620</Sole>
                        <Shared>0</Shared>
                        <None>1000</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>EQT CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>26884L109</cusip>
                <value>3241</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>33420</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>2350</Sole>
                        <Shared>0</Shared>
                        <None>31070</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>EASTMAN CHEMICAL CO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>277432100</cusip>
                <value>338</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3920</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>3710</Sole>
                        <Shared>0</Shared>
                        <None>210</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>EASTMAN CHEMICAL CO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>277432100</cusip>
                <value>565</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>6548</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>3572</Sole>
                        <Shared>0</Shared>
                        <None>2976</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>EATON VANCE ENHANCED EQUITY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>278274105</cusip>
                <value>257</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>19669</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>18969</Sole>
                        <Shared>0</Shared>
                        <None>700</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>EATON VANCE ENHANCED EQUITY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>278274105</cusip>
                <value>5</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>375</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>375</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>EBAY INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>278642103</cusip>
                <value>1653</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>29924</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>29524</Sole>
                        <Shared>0</Shared>
                        <None>400</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>EBAY INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>278642103</cusip>
                <value>8</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>EBAY INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>278642103</cusip>
                <value>423</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>7660</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>2270</Sole>
                        <Shared>0</Shared>
                        <None>5390</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>EMERSON ELECTRIC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>291011104</cusip>
                <value>4364</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>65325</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>62325</Sole>
                        <Shared>0</Shared>
                        <None>3000</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>EMERSON ELECTRIC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>291011104</cusip>
                <value>135</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2028</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>28</Sole>
                        <Shared>0</Shared>
                        <None>2000</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>EMERSON ELECTRIC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>291011104</cusip>
                <value>1407</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>21068</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>6212</Sole>
                        <Shared>0</Shared>
                        <None>14856</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ENTERPRISE PRODUCTS PARTNERS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>293792107</cusip>
                <value>128</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1841</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>1841</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ENTERPRISE PRODUCTS PARTNERS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>293792107</cusip>
                <value>309</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>4462</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>822</Sole>
                        <Shared>0</Shared>
                        <None>3640</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>EQUIFAX</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>294429105</cusip>
                <value>973</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>14307</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>8800</Sole>
                        <Shared>0</Shared>
                        <None>5507</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>EQUINIX</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>29444U502</cusip>
                <value>1590</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>8600</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>8600</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>EXELON CORPORATION</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>30161N101</cusip>
                <value>177</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>5272</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>4872</Sole>
                        <Shared>0</Shared>
                        <None>400</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>EXELON CORPORATION</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>30161N101</cusip>
                <value>236</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>7029</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>5727</Sole>
                        <Shared>0</Shared>
                        <None>1302</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>EXPONENT INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>30214U102</cusip>
                <value>212</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2820</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>2820</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>EXPRESS SCRIPTS HLDG CO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>30219G108</cusip>
                <value>3227</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>42971</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>40477</Sole>
                        <Shared>0</Shared>
                        <None>2494</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>EXPRESS SCRIPTS HLDG CO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>30219G108</cusip>
                <value>8</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>EXPRESS SCRIPTS HLDG CO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>30219G108</cusip>
                <value>1747</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>23267</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>5758</Sole>
                        <Shared>0</Shared>
                        <None>17509</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>30231G102</cusip>
                <value>53483</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>547528</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>530119</Sole>
                        <Shared>0</Shared>
                        <None>17409</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>30231G102</cusip>
                <value>273</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2799</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>670</Sole>
                        <Shared>0</Shared>
                        <None>2129</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>30231G102</cusip>
                <value>20896</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>213924</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>178528</Sole>
                        <Shared>6514</Shared>
                        <None>28882</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>FMC CORPORATION</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>302491303</cusip>
                <value>4800</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>62697</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>62317</Sole>
                        <Shared>0</Shared>
                        <None>380</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>FMC CORPORATION</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>302491303</cusip>
                <value>11</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>140</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>140</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>FMC CORPORATION</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>302491303</cusip>
                <value>223</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2908</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>2358</Sole>
                        <Shared>0</Shared>
                        <None>550</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>FACEBOOK INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>30303M102</cusip>
                <value>97</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1610</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>1610</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>FACEBOOK INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>30303M102</cusip>
                <value>331</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>5490</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>200</Sole>
                        <Shared>0</Shared>
                        <None>5290</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>FACTSET RESEARCH SYSTEMS INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>303075105</cusip>
                <value>211</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1960</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>150</Sole>
                        <Shared>0</Shared>
                        <None>1810</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>FREDDIE MAC</nameOfIssuer>
                <titleOfClass>PREFERRED STOCK</titleOfClass>
                <cusip>313400673</cusip>
                <value>180</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>20000</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>20000</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>FREDDIE MAC</nameOfIssuer>
                <titleOfClass>PREFERRED STOCK</titleOfClass>
                <cusip>313400780</cusip>
                <value>169</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>10000</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>10000</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>FREDDIE MAC</nameOfIssuer>
                <titleOfClass>PREFERRED STOCK</titleOfClass>
                <cusip>313400855</cusip>
                <value>176</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>10000</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>10000</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>FEDERATED INVESTORS COMMON</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>314211103</cusip>
                <value>241</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>7900</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>7900</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>FEDEX CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>31428X106</cusip>
                <value>1457</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>10994</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>10994</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>FEDEX CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>31428X106</cusip>
                <value>368</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2774</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>834</Sole>
                        <Shared>0</Shared>
                        <None>1940</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>F5 NETWORKS INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>315616102</cusip>
                <value>1091</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>10236</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>10236</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>FIDELITY NATIONAL INFORMATION</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>31620M106</cusip>
                <value>340</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>6366</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>5000</Sole>
                        <Shared>0</Shared>
                        <None>1366</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>FIFTH THIRD BANCORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>316773100</cusip>
                <value>927</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>40365</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>34365</Sole>
                        <Shared>0</Shared>
                        <None>6000</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>FIFTH THIRD BANCORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>316773100</cusip>
                <value>7108</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>309644</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>4315</Sole>
                        <Shared>0</Shared>
                        <None>305329</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>FIRST AMERICAN FINANCIAL</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>31847R102</cusip>
                <value>597</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>22500</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>22500</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>FIRST SOLAR</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>336433107</cusip>
                <value>345</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>4950</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>4950</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>FIRST UNITED CORPORATION</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>33741H107</cusip>
                <value>122</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>16060</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>16060</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>FIRST WEST VIRGINIA BANCORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>337493100</cusip>
                <value>614</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>31316</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>31316</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>FIRST WEST VIRGINIA BANCORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>337493100</cusip>
                <value>285</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>14546</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>2146</Sole>
                        <Shared>0</Shared>
                        <None>12400</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>FISERV INC.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>337738108</cusip>
                <value>287</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>5058</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>3000</Sole>
                        <Shared>0</Shared>
                        <None>2058</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>FIRST ENERGY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>337932107</cusip>
                <value>559</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>16427</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>16019</Sole>
                        <Shared>0</Shared>
                        <None>408</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>FIRST ENERGY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>337932107</cusip>
                <value>429</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>12615</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>6511</Sole>
                        <Shared>0</Shared>
                        <None>6104</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>FLUOR CORP.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>343412102</cusip>
                <value>318</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>4090</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>3690</Sole>
                        <Shared>0</Shared>
                        <None>400</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>FLUOR CORP.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>343412102</cusip>
                <value>73</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>937</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>937</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>FOOT LOCKER, INC.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>344849104</cusip>
                <value>2922</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>62200</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>62200</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>FORD</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>345370860</cusip>
                <value>2081</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>133415</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>133415</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>FORD</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>345370860</cusip>
                <value>78</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>5000</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>5000</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>FORD</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>345370860</cusip>
                <value>3730</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>239113</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>34480</Sole>
                        <Shared>0</Shared>
                        <None>204633</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>FOREST LABORATORIES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>345838106</cusip>
                <value>5</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>50</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>50</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>FOREST LABORATORIES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>345838106</cusip>
                <value>245</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2650</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>2000</Sole>
                        <Shared>0</Shared>
                        <None>650</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>FORTUNE BRANDS HOME &amp; SECURITY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>34964C106</cusip>
                <value>213</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>5050</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>5050</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>FORTUNE BRANDS HOME &amp; SECURITY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>34964C106</cusip>
                <value>187</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>4447</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>4147</Sole>
                        <Shared>0</Shared>
                        <None>300</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>FRANKLIN RESOURCES, INC.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>354613101</cusip>
                <value>1916</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>35367</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>35367</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>FRANKLIN RESOURCES, INC.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>354613101</cusip>
                <value>536</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>9901</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>7242</Sole>
                        <Shared>0</Shared>
                        <None>2659</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>FREEPORT-MCMORAN COPPER &amp; GOLD</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>35671D857</cusip>
                <value>35</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1070</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>870</Sole>
                        <Shared>0</Shared>
                        <None>200</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>FREEPORT-MCMORAN COPPER &amp; GOLD</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>35671D857</cusip>
                <value>794</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>24014</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>1160</Sole>
                        <Shared>0</Shared>
                        <None>22854</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>FRONTIER COMMUNICATIONS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>35906A108</cusip>
                <value>57</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>10018</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>9308</Sole>
                        <Shared>0</Shared>
                        <None>710</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>FRONTIER COMMUNICATIONS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>35906A108</cusip>
                <value>32</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>5673</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>3833</Sole>
                        <Shared>0</Shared>
                        <None>1840</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>GAMESTOP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>36467W109</cusip>
                <value>243</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>5915</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>5915</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>GAP STORES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>364760108</cusip>
                <value>8</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>189</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>189</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>GAP STORES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>364760108</cusip>
                <value>1019</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>25441</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>25441</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>GENERAL DYNAMICS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>369550108</cusip>
                <value>287</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2633</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>2500</Sole>
                        <Shared>0</Shared>
                        <None>133</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>GENERAL DYNAMICS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>369550108</cusip>
                <value>9</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>86</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>86</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>GENERAL ELECTRIC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>369604103</cusip>
                <value>31457</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1215032</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>1157697</Sole>
                        <Shared>0</Shared>
                        <None>57335</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>GENERAL ELECTRIC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>369604103</cusip>
                <value>436</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>16850</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>1850</Sole>
                        <Shared>0</Shared>
                        <None>15000</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>GENERAL ELECTRIC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>369604103</cusip>
                <value>21161</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>817333</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>250587</Sole>
                        <Shared>0</Shared>
                        <None>566746</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>GENERAL MILLS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>370334104</cusip>
                <value>11043</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>213108</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>210495</Sole>
                        <Shared>0</Shared>
                        <None>2613</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>GENERAL MILLS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>370334104</cusip>
                <value>11</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>210</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>210</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>GENERAL MILLS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>370334104</cusip>
                <value>4254</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>82089</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>16195</Sole>
                        <Shared>0</Shared>
                        <None>65894</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>GENUINE PARTS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>372460105</cusip>
                <value>639</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>7358</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>7358</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>GENUINE PARTS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>372460105</cusip>
                <value>237</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2724</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>2174</Sole>
                        <Shared>0</Shared>
                        <None>550</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>375558103</cusip>
                <value>149</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2100</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>2100</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>375558103</cusip>
                <value>2753</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>38849</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>7725</Sole>
                        <Shared>0</Shared>
                        <None>31124</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>GLAXO SMITHKLINE SPONSORED PLC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>37733W105</cusip>
                <value>519</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>9717</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>9717</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>GLAXO SMITHKLINE SPONSORED PLC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>37733W105</cusip>
                <value>771</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>14427</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>5628</Sole>
                        <Shared>0</Shared>
                        <None>8799</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>GOLDMAN SACHS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>38141G104</cusip>
                <value>115</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>700</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>700</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>GOLDMAN SACHS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>38141G104</cusip>
                <value>1132</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>6908</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>1325</Sole>
                        <Shared>0</Shared>
                        <None>5583</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>GOLDMAN SACHS GROUP</nameOfIssuer>
                <titleOfClass>PREFERRED STOCK</titleOfClass>
                <cusip>38143Y665</cusip>
                <value>1364</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>71300</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>71300</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>GOLDMAN SACHS GROUP</nameOfIssuer>
                <titleOfClass>PREFERRED STOCK</titleOfClass>
                <cusip>38143Y665</cusip>
                <value>421</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>22000</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>1000</Sole>
                        <Shared>0</Shared>
                        <None>21000</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>GOOGLE INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>38259P508</cusip>
                <value>10999</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>9869</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>9614</Sole>
                        <Shared>0</Shared>
                        <None>255</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>GOOGLE INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>38259P508</cusip>
                <value>17</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>15</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>15</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>GOOGLE INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>38259P508</cusip>
                <value>12331</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>11064</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>802</Sole>
                        <Shared>0</Shared>
                        <None>10262</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>HCP INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>40414L109</cusip>
                <value>245</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>6315</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>5265</Sole>
                        <Shared>0</Shared>
                        <None>1050</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>HSBC HOLDINGS PLC</nameOfIssuer>
                <titleOfClass>FOREIGN STOCK</titleOfClass>
                <cusip>404280406</cusip>
                <value>362</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>7120</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>700</Sole>
                        <Shared>0</Shared>
                        <None>6420</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>HALCON RESOURCES CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>40537Q209</cusip>
                <value>4</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1000</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>1000</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>HALCON RESOURCES CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>40537Q209</cusip>
                <value>60</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>13796</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>13796</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>HALLIBURTON </nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>406216101</cusip>
                <value>1111</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>18863</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>17863</Sole>
                        <Shared>0</Shared>
                        <None>1000</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>HALLIBURTON </nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>406216101</cusip>
                <value>118</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>HALLIBURTON </nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>406216101</cusip>
                <value>1005</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>17070</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>3033</Sole>
                        <Shared>0</Shared>
                        <None>14037</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>HARTFORD FINANCIAL CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>416515104</cusip>
                <value>18</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>515</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>415</Sole>
                        <Shared>0</Shared>
                        <None>100</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>HARTFORD FINANCIAL CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>416515104</cusip>
                <value>802</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>22739</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>14210</Sole>
                        <Shared>0</Shared>
                        <None>8529</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>HEALTH CARE REIT INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>42217K106</cusip>
                <value>1857</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>31155</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>29355</Sole>
                        <Shared>0</Shared>
                        <None>1800</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>HEALTH CARE REIT INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>42217K106</cusip>
                <value>25</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>425</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>425</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>HEALTH CARE REIT INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>42217K106</cusip>
                <value>601</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>10078</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>6414</Sole>
                        <Shared>0</Shared>
                        <None>3664</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>HEARTLAND PAYMENT SERVICES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>42235N108</cusip>
                <value>995</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>24000</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>24000</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>HECLA</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>422704106</cusip>
                <value>0</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>320</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>320</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>HECLA</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>422704106</cusip>
                <value>47</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>15200</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>15200</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>HENRY (JACK) &amp; ASSOCIATES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>426281101</cusip>
                <value>211</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3780</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>3780</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>THE HERSHEY COMPANY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>427866108</cusip>
                <value>165</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1584</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>1317</Sole>
                        <Shared>0</Shared>
                        <None>267</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>THE HERSHEY COMPANY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>427866108</cusip>
                <value>200</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1919</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>1240</Sole>
                        <Shared>0</Shared>
                        <None>679</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>HESS CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>42809H107</cusip>
                <value>177</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>HESS CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>42809H107</cusip>
                <value>1382</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>16670</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>1230</Sole>
                        <Shared>0</Shared>
                        <None>15440</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>HEWLETT-PACKARD</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>428236103</cusip>
                <value>303</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>9378</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>8478</Sole>
                        <Shared>0</Shared>
                        <None>900</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>HEWLETT-PACKARD</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>428236103</cusip>
                <value>299</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>9246</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>6446</Sole>
                        <Shared>0</Shared>
                        <None>2800</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>HEXCEL</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>428291108</cusip>
                <value>3334</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>76569</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>76569</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>HITTITE MICROWAVE CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>43365Y104</cusip>
                <value>240</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3800</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>3800</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>HOME DEPOT</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>437076102</cusip>
                <value>7024</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>88766</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>85679</Sole>
                        <Shared>0</Shared>
                        <None>3087</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>HOME DEPOT</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>437076102</cusip>
                <value>300</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3790</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>1790</Sole>
                        <Shared>0</Shared>
                        <None>2000</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>HOME DEPOT</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>437076102</cusip>
                <value>3221</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>40710</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>22586</Sole>
                        <Shared>0</Shared>
                        <None>18124</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>HONEYWELL</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>438516106</cusip>
                <value>8410</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>90667</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>89874</Sole>
                        <Shared>0</Shared>
                        <None>793</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>HONEYWELL</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>438516106</cusip>
                <value>286</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3080</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>80</Sole>
                        <Shared>0</Shared>
                        <None>3000</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>HONEYWELL</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>438516106</cusip>
                <value>11125</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>119933</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>18040</Sole>
                        <Shared>0</Shared>
                        <None>101893</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>J.B. HUNT TRANSPORT SERVICES INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>445658107</cusip>
                <value>5400</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>75090</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>75090</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>HUNTINGTON</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>446150104</cusip>
                <value>482</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>48363</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>48363</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>HUNTINGTON</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>446150104</cusip>
                <value>15</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>HUNTINGTON</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>446150104</cusip>
                <value>644</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>64571</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>62138</Sole>
                        <Shared>0</Shared>
                        <None>2433</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ILLINOIS TOOL WORKS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>452308109</cusip>
                <value>237</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2914</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>2914</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ILLINOIS TOOL WORKS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>452308109</cusip>
                <value>227</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2786</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>1100</Sole>
                        <Shared>0</Shared>
                        <None>1686</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>INSULET CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>45784P101</cusip>
                <value>1660</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>35000</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>35000</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>INTEL</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>458140100</cusip>
                <value>5519</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>213783</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>210250</Sole>
                        <Shared>0</Shared>
                        <None>3533</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>INTEL</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>458140100</cusip>
                <value>129</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>5000</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>5000</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>INTEL</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>458140100</cusip>
                <value>3918</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>151763</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>38935</Sole>
                        <Shared>0</Shared>
                        <None>112828</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>IBM CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>459200101</cusip>
                <value>26730</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>138865</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>137102</Sole>
                        <Shared>0</Shared>
                        <None>1763</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>IBM CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>459200101</cusip>
                <value>38</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>200</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>200</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>IBM CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>459200101</cusip>
                <value>10337</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>53700</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>39725</Sole>
                        <Shared>0</Shared>
                        <None>13975</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>INTERNATIONAL PAPER</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>460146103</cusip>
                <value>417</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>9083</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>9083</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>INTERNATIONAL PAPER</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>460146103</cusip>
                <value>1074</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>23405</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>2669</Sole>
                        <Shared>0</Shared>
                        <None>20736</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>INVESCO VAN KAMPEN</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>46131M106</cusip>
                <value>126</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>9807</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>4007</Sole>
                        <Shared>0</Shared>
                        <None>5800</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>INVESCO VAN KAMPEN</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>46131M106</cusip>
                <value>8</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>642</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>642</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>I SHARES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>464285105</cusip>
                <value>157</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>12600</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>12600</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>I SHARES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>464286731</cusip>
                <value>157</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>10930</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>10000</Sole>
                        <Shared>0</Shared>
                        <None>930</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>I SHARES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>464286749</cusip>
                <value>216</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>6299</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>6299</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>I SHARES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>464286772</cusip>
                <value>631</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>10265</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>10265</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>I SHARES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>464287168</cusip>
                <value>818</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>11156</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>10927</Sole>
                        <Shared>0</Shared>
                        <None>229</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>I SHARES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>464287168</cusip>
                <value>44</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>600</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>600</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>I SHARES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>464287168</cusip>
                <value>162</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2214</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>1177</Sole>
                        <Shared>0</Shared>
                        <None>1037</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>I SHARES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>464287176</cusip>
                <value>41</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>369</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>219</Sole>
                        <Shared>0</Shared>
                        <None>150</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>I SHARES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>464287176</cusip>
                <value>253</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2253</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>545</Sole>
                        <Shared>0</Shared>
                        <None>1708</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>I SHARES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>464287200</cusip>
                <value>619</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3291</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>3291</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>I SHARES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>464287200</cusip>
                <value>263</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1400</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>400</Sole>
                        <Shared>0</Shared>
                        <None>1000</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>I SHARES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>464287226</cusip>
                <value>16</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>150</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>150</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>I SHARES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>464287226</cusip>
                <value>426</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3952</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>640</Sole>
                        <Shared>0</Shared>
                        <None>3312</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>I SHARES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>464287234</cusip>
                <value>151</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3687</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>2637</Sole>
                        <Shared>0</Shared>
                        <None>1050</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>I SHARES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>464287234</cusip>
                <value>247</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>6025</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>3250</Sole>
                        <Shared>0</Shared>
                        <None>2775</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>I SHARES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>464287242</cusip>
                <value>187</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1595</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>1595</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>I SHARES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>464287242</cusip>
                <value>885</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>7565</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>7565</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>I SHARES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>464287465</cusip>
                <value>1063</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>15813</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>15263</Sole>
                        <Shared>0</Shared>
                        <None>550</None>
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                <nameOfIssuer>I SHARES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>464287465</cusip>
                <value>957</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>14246</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>692</Sole>
                        <Shared>0</Shared>
                        <None>13554</None>
                </votingAuthority>
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                <nameOfIssuer>I SHARES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>464287473</cusip>
                <value>677</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>9856</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>9856</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
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                <nameOfIssuer>I SHARES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>464287473</cusip>
                <value>467</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>6799</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>6799</None>
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                <nameOfIssuer>I SHARES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>464287481</cusip>
                <value>1813</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>21136</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>21136</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>I SHARES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>464287481</cusip>
                <value>344</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>4005</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>4005</None>
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                <nameOfIssuer>I SHARES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>464287499</cusip>
                <value>240</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1550</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>1550</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
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        <infoTable>
                <nameOfIssuer>I SHARES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>464287499</cusip>
                <value>301</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1943</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>626</Sole>
                        <Shared>0</Shared>
                        <None>1317</None>
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                <nameOfIssuer>I SHARES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>464287507</cusip>
                <value>194</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1414</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>959</Sole>
                        <Shared>0</Shared>
                        <None>455</None>
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        <infoTable>
                <nameOfIssuer>I SHARES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>464287507</cusip>
                <value>27</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>200</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>200</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
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                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>464287556</cusip>
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                <shrsOrPrnAmt>
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                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>3715</Sole>
                        <Shared>0</Shared>
                        <None>352</None>
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        <infoTable>
                <nameOfIssuer>I SHARES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>464287556</cusip>
                <value>118</value>
                <shrsOrPrnAmt>
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                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>500</None>
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        <infoTable>
                <nameOfIssuer>I SHARES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>464287556</cusip>
                <value>217</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>920</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>275</Sole>
                        <Shared>0</Shared>
                        <None>645</None>
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                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>464287630</cusip>
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                <shrsOrPrnAmt>
                        <sshPrnamt>9281</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>9281</Sole>
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                        <None>0</None>
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                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>464287630</cusip>
                <value>8</value>
                <shrsOrPrnAmt>
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                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>78</None>
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                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>464287648</cusip>
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                <shrsOrPrnAmt>
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                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>21700</Sole>
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                        <None>0</None>
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        <infoTable>
                <nameOfIssuer>I SHARES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>464287648</cusip>
                <value>2558</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>18800</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>300</Sole>
                        <Shared>0</Shared>
                        <None>18500</None>
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                <nameOfIssuer>I SHARES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>464287655</cusip>
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                <shrsOrPrnAmt>
                        <sshPrnamt>10067</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>10067</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
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        <infoTable>
                <nameOfIssuer>I SHARES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>464287655</cusip>
                <value>116</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1000</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>1000</Sole>
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                        <None>0</None>
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        <infoTable>
                <nameOfIssuer>I SHARES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>464287655</cusip>
                <value>2040</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>17536</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>1536</Sole>
                        <Shared>0</Shared>
                        <None>16000</None>
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        <infoTable>
                <nameOfIssuer>I SHARES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>464287762</cusip>
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                <shrsOrPrnAmt>
                        <sshPrnamt>8600</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
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                        <None>0</None>
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        <infoTable>
                <nameOfIssuer>I SHARES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>464287762</cusip>
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                <shrsOrPrnAmt>
                        <sshPrnamt>570</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
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                        <None>0</None>
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                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>464287879</cusip>
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                <shrsOrPrnAmt>
                        <sshPrnamt>162</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <votingAuthority>
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                        <None>0</None>
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        <infoTable>
                <nameOfIssuer>I SHARES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>464287879</cusip>
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                <shrsOrPrnAmt>
                        <sshPrnamt>4118</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
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                        <None>4118</None>
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        <infoTable>
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                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>464287887</cusip>
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                <shrsOrPrnAmt>
                        <sshPrnamt>3016</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
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                        <None>3016</None>
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        <infoTable>
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                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>464288240</cusip>
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                <shrsOrPrnAmt>
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                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
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                        <None>0</None>
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        <infoTable>
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                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>464288240</cusip>
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                <shrsOrPrnAmt>
                        <sshPrnamt>1290</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>DFND</investmentDiscretion>
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                        <None>0</None>
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        <infoTable>
                <nameOfIssuer>I SHARES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>464288646</cusip>
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                <votingAuthority>
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                        <None>0</None>
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        <infoTable>
                <nameOfIssuer>I SHARES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>464288687</cusip>
                <value>208</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>5325</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>4925</Sole>
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                        <None>400</None>
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        <infoTable>
                <nameOfIssuer>I SHARES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>464288687</cusip>
                <value>110</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2825</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>1575</Sole>
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                        <None>1250</None>
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        <infoTable>
                <nameOfIssuer>I SHARES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>46429B663</cusip>
                <value>320</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>4475</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>4475</Sole>
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                        <None>0</None>
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        <infoTable>
                <nameOfIssuer>ITC HOLDINGS CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>465685105</cusip>
                <value>94</value>
                <shrsOrPrnAmt>
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                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>2511</Sole>
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                        <None>0</None>
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        <infoTable>
                <nameOfIssuer>ITC HOLDINGS CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>465685105</cusip>
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                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
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                        <None>73800</None>
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        <infoTable>
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                <cusip>46625H100</cusip>
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                        <sshPrnamt>212170</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>201260</Sole>
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                        <None>10910</None>
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        <infoTable>
                <nameOfIssuer>JP MORGAN CHASE </nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>46625H100</cusip>
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                        <sshPrnamt>4000</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
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                        <Shared>0</Shared>
                        <None>4000</None>
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        <infoTable>
                <nameOfIssuer>JP MORGAN CHASE </nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>46625H100</cusip>
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                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>50369</Sole>
                        <Shared>0</Shared>
                        <None>59714</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>JACOBS ENGINEERING GROUP INC.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>469814107</cusip>
                <value>125</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1966</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>1966</Sole>
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                        <None>0</None>
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        <infoTable>
                <nameOfIssuer>JACOBS ENGINEERING GROUP INC.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>469814107</cusip>
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                        <sshPrnamt>1200</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>500</Sole>
                        <Shared>0</Shared>
                        <None>700</None>
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        </infoTable>
        <infoTable>
                <nameOfIssuer>JARDEN CORP.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>471109108</cusip>
                <value>2019</value>
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                        <sshPrnamt>33750</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
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                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>33750</None>
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        <infoTable>
                <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
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                <shrsOrPrnAmt>
                        <sshPrnamt>221944</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>217866</Sole>
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                        <None>4078</None>
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        </infoTable>
        <infoTable>
                <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>478160104</cusip>
                <value>16</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>160</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>160</Sole>
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                        <None>0</None>
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        <infoTable>
                <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>478160104</cusip>
                <value>15964</value>
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                        <sshPrnamt>162518</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>37789</Sole>
                        <Shared>0</Shared>
                        <None>124729</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>JOHNSON CONTROLS INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>478366107</cusip>
                <value>36</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>755</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>755</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>JOHNSON CONTROLS INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>478366107</cusip>
                <value>1974</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>41708</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>708</Sole>
                        <Shared>0</Shared>
                        <None>41000</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>JOY GLOBAL INC.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>481165108</cusip>
                <value>233</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>4018</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>4018</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>J2 GLOBAL INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>48123V102</cusip>
                <value>501</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>10000</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>10000</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>KBS REAL ESTATE INV TRUST II</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>48243C109</cusip>
                <value>164</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>15957</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>15957</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>KLA-TENCOR CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>482480100</cusip>
                <value>96</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1393</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>1393</Sole>
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                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>KLA-TENCOR CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>482480100</cusip>
                <value>1475</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>21328</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>21328</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>KELLOGG</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>487836108</cusip>
                <value>806</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>12853</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>12353</Sole>
                        <Shared>0</Shared>
                        <None>500</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>KELLOGG</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>487836108</cusip>
                <value>291</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>4637</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>677</Sole>
                        <Shared>0</Shared>
                        <None>3960</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>KENNAMETAL INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>489170100</cusip>
                <value>574</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>12963</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>12963</None>
                </votingAuthority>
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                <nameOfIssuer>KIMBERLY-CLARK</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>494368103</cusip>
                <value>575</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>5219</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>5219</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>KIMBERLY-CLARK</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>494368103</cusip>
                <value>914</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>8293</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>4911</Sole>
                        <Shared>0</Shared>
                        <None>3382</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>KINDER MORGAN ENERGY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>494550106</cusip>
                <value>2023</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>27352</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>27219</Sole>
                        <Shared>0</Shared>
                        <None>133</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>KINDER MORGAN ENERGY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>494550106</cusip>
                <value>22</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>300</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>300</Sole>
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                        <None>0</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>KINDER MORGAN ENERGY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>494550106</cusip>
                <value>539</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>7285</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>6535</Sole>
                        <Shared>0</Shared>
                        <None>750</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>KINDER MORGAN MANAGEMENT LLC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>49455U100</cusip>
                <value>73</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1021</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>1021</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>KINDER MORGAN MANAGEMENT LLC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>49455U100</cusip>
                <value>137</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1909</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>1480</Sole>
                        <Shared>0</Shared>
                        <None>429</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>KINDER MORGAN INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>49456B101</cusip>
                <value>25</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>776</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>571</Sole>
                        <Shared>0</Shared>
                        <None>205</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>KINDER MORGAN INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>49456B101</cusip>
                <value>191</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>5872</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>3114</Sole>
                        <Shared>0</Shared>
                        <None>2758</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>KOHLS CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>500255104</cusip>
                <value>45</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>800</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>800</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>KOHLS CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>500255104</cusip>
                <value>726</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>12782</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>2675</Sole>
                        <Shared>0</Shared>
                        <None>10107</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>KRAFT FOODS GROUP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>50076Q106</cusip>
                <value>1390</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>24780</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>24134</Sole>
                        <Shared>0</Shared>
                        <None>646</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>KRAFT FOODS GROUP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>50076Q106</cusip>
                <value>1177</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>20977</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>8671</Sole>
                        <Shared>0</Shared>
                        <None>12306</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>KROGER</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>501044101</cusip>
                <value>52</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1184</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>784</Sole>
                        <Shared>0</Shared>
                        <None>400</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>KROGER</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>501044101</cusip>
                <value>972</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>22258</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>22258</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>L BRANDS INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>501797104</cusip>
                <value>164</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2890</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>2890</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>L BRANDS INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>501797104</cusip>
                <value>57</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1001</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>544</Sole>
                        <Shared>0</Shared>
                        <None>457</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>LSI CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>502161102</cusip>
                <value>2</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>140</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>140</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>LSI CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>502161102</cusip>
                <value>1524</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>137700</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>137700</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>LAM RESEARCH</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>512807108</cusip>
                <value>2218</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>40331</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>40331</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>LANDSTAR SYSTEM INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>515098101</cusip>
                <value>238</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>4020</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>4020</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>LAS VEGAS SANDS CORP.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>517834107</cusip>
                <value>12</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>149</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>149</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>LAS VEGAS SANDS CORP.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>517834107</cusip>
                <value>202</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2500</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>1900</Sole>
                        <Shared>0</Shared>
                        <None>600</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>LENNOX INTERNATIONAL INC.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>526107107</cusip>
                <value>2464</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>27100</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>27100</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>LEXICON PHARMACEUTICALS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>528872104</cusip>
                <value>72</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>41500</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>41500</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ELI LILLY &amp; CO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>532457108</cusip>
                <value>666</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>11321</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>11021</Sole>
                        <Shared>0</Shared>
                        <None>300</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ELI LILLY &amp; CO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>532457108</cusip>
                <value>1321</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>22447</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>17982</Sole>
                        <Shared>0</Shared>
                        <None>4465</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>LIQUIDMETAL TECHNOLOGIES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>53634X100</cusip>
                <value>7</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>28000</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>28000</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>LIQUIDMETAL TECHNOLOGIES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>53634X100</cusip>
                <value>23</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>89000</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>89000</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>LITHIA MOTORS INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>536797103</cusip>
                <value>1356</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>20400</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>20400</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>LITHIUM TECHNOLOGY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>536808405</cusip>
                <value>0</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>20000</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>20000</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>LLOYDES TSB GROUP PLC -ADR</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>539439109</cusip>
                <value>15</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3000</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>3000</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>LLOYDES TSB GROUP PLC -ADR</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>539439109</cusip>
                <value>121</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>23790</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>23790</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>LOCKHEED MARTIN</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>539830109</cusip>
                <value>202</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1240</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>1240</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>LOCKHEED MARTIN</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>539830109</cusip>
                <value>361</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2210</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>710</Sole>
                        <Shared>0</Shared>
                        <None>1500</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>LOUISIANA PACIFIC CORPORATION</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>546347105</cusip>
                <value>1481</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>87800</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>87800</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>LOWES COS INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>548661107</cusip>
                <value>1578</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>32266</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>30666</Sole>
                        <Shared>0</Shared>
                        <None>1600</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>LOWES COS INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>548661107</cusip>
                <value>952</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>19469</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>15724</Sole>
                        <Shared>0</Shared>
                        <None>3745</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>M &amp; T BANK CORPORATION</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>55261F104</cusip>
                <value>36</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>300</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>300</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>M &amp; T BANK CORPORATION</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>55261F104</cusip>
                <value>245</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2019</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>135</Sole>
                        <Shared>0</Shared>
                        <None>1884</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MACY'S INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>55616P104</cusip>
                <value>4703</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>79318</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>78628</Sole>
                        <Shared>0</Shared>
                        <None>690</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MACY'S INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>55616P104</cusip>
                <value>9</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>160</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>160</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MACY'S INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>55616P104</cusip>
                <value>8154</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>137525</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>4999</Sole>
                        <Shared>0</Shared>
                        <None>132526</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MANULIFE FINANCIAL CORP.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>56501R106</cusip>
                <value>541</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>27996</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>27996</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MANULIFE FINANCIAL CORP.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>56501R106</cusip>
                <value>62</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3194</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>684</Sole>
                        <Shared>0</Shared>
                        <None>2510</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MARATHON OIL CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>565849106</cusip>
                <value>236</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>6649</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>6649</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MARATHON OIL CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>565849106</cusip>
                <value>76</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2145</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>450</Sole>
                        <Shared>0</Shared>
                        <None>1695</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MARATHON PETROLEUM CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>56585A102</cusip>
                <value>3193</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>36687</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>36687</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MARATHON PETROLEUM CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>56585A102</cusip>
                <value>2905</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>33372</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>450</Sole>
                        <Shared>0</Shared>
                        <None>32922</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MARKWEST ENERGY PARTNERS LP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>570759100</cusip>
                <value>536</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>8206</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>7840</Sole>
                        <Shared>0</Shared>
                        <None>366</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MARKWEST ENERGY PARTNERS LP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>570759100</cusip>
                <value>36</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>550</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>550</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MARKWEST ENERGY PARTNERS LP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>570759100</cusip>
                <value>154</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2350</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>1600</Sole>
                        <Shared>0</Shared>
                        <None>750</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MARSH &amp; MCLENNAN</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>571748102</cusip>
                <value>218</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>4413</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>3048</Sole>
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                        <None>1365</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MARRIOTT INTERNATIONAL INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>571903202</cusip>
                <value>214</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3814</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>403</Sole>
                        <Shared>0</Shared>
                        <None>3411</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MASCO CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>574599106</cusip>
                <value>3163</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>142430</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>141420</Sole>
                        <Shared>0</Shared>
                        <None>1010</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MASCO CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>574599106</cusip>
                <value>7</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>320</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>320</Sole>
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                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MASCO CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>574599106</cusip>
                <value>1139</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>51270</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>6020</Sole>
                        <Shared>0</Shared>
                        <None>45250</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MASTEC INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>576323109</cusip>
                <value>434</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>10000</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>10000</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MASTERCARD INC CLASS A</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>57636Q104</cusip>
                <value>1884</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>25215</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>24915</Sole>
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                        <None>300</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MASTERCARD INC CLASS A</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>57636Q104</cusip>
                <value>86</value>
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                        <sshPrnamt>1150</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>150</Sole>
                        <Shared>0</Shared>
                        <None>1000</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MASTERCARD INC CLASS A</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>57636Q104</cusip>
                <value>654</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>8750</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>2040</Sole>
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                        <None>6710</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MATTEL INC.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>577081102</cusip>
                <value>25</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>633</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>633</Sole>
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                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MATTEL INC.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>577081102</cusip>
                <value>806</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>20093</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>3950</Sole>
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                        <None>16143</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>580135101</cusip>
                <value>5139</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>52423</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>50823</Sole>
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                        <None>1600</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>580135101</cusip>
                <value>98</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>MCDONALDS CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>580135101</cusip>
                <value>2433</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>24815</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>10409</Sole>
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                        <None>14406</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MCKESSON CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>58155Q103</cusip>
                <value>8097</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>45857</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>45347</Sole>
                        <Shared>0</Shared>
                        <None>510</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MCKESSON CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>58155Q103</cusip>
                <value>14</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>80</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>80</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MCKESSON CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>58155Q103</cusip>
                <value>5544</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>31398</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>3156</Sole>
                        <Shared>0</Shared>
                        <None>28242</None>
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        <infoTable>
                <nameOfIssuer>MEAD JOHNSON NUTRITION CO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>582839106</cusip>
                <value>17</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>200</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>200</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MEAD JOHNSON NUTRITION CO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>582839106</cusip>
                <value>2547</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>30633</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>30633</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MEADWESTVACO CORPORATION</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>583334107</cusip>
                <value>640</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>16997</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>16997</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MEADWESTVACO CORPORATION</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>583334107</cusip>
                <value>143</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3800</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>3500</Sole>
                        <Shared>0</Shared>
                        <None>300</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MEDNAX</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>58502B106</cusip>
                <value>676</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>10900</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>10900</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>MEDTRONIC INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>585055106</cusip>
                <value>66</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1075</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>875</Sole>
                        <Shared>0</Shared>
                        <None>200</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>MEDTRONIC INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>585055106</cusip>
                <value>123</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2000</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>2000</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MEDTRONIC INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>585055106</cusip>
                <value>214</value>
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                        <sshPrnamt>3474</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>1300</Sole>
                        <Shared>0</Shared>
                        <None>2174</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>MERCK &amp; CO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>58933Y105</cusip>
                <value>11232</value>
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                        <sshPrnamt>197856</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>193677</Sole>
                        <Shared>0</Shared>
                        <None>4179</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MERCK &amp; CO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>58933Y105</cusip>
                <value>102</value>
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                        <sshPrnamt>1800</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>800</Sole>
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                        <None>1000</None>
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        </infoTable>
        <infoTable>
                <nameOfIssuer>MERCK &amp; CO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>58933Y105</cusip>
                <value>10049</value>
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                        <sshPrnamt>177006</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>54218</Sole>
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                        <None>122788</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>MERRILL LYNCH PFD CAPITAL TRUST</nameOfIssuer>
                <titleOfClass>PREFERRED STOCK</titleOfClass>
                <cusip>59021F206</cusip>
                <value>890</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>35050</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>35050</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>METLIFE</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>59156R108</cusip>
                <value>173</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3283</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>3283</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>METLIFE</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>59156R108</cusip>
                <value>219</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>4153</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>4153</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>METLIFE</nameOfIssuer>
                <titleOfClass>PREFERRED STOCK</titleOfClass>
                <cusip>59156R504</cusip>
                <value>209</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>9000</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>9000</Sole>
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                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>METLIFE</nameOfIssuer>
                <titleOfClass>PREFERRED STOCK</titleOfClass>
                <cusip>59156R504</cusip>
                <value>70</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3000</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>3000</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>MICROS SYSTEMS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>594901100</cusip>
                <value>1694</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>32012</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>32012</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MICROSOFT</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>594918104</cusip>
                <value>9821</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>239599</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>236498</Sole>
                        <Shared>0</Shared>
                        <None>3101</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MICROSOFT</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>594918104</cusip>
                <value>218</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>5320</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>320</Sole>
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                        <None>5000</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MICROSOFT</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>594918104</cusip>
                <value>14497</value>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>38253</Sole>
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                        <None>315430</None>
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        <infoTable>
                <nameOfIssuer>MITSUBISHI UFJ FINANCIAL GRP</nameOfIssuer>
                <titleOfClass>FOREIGN STOCK</titleOfClass>
                <cusip>606822104</cusip>
                <value>72</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>13060</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>13060</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MONDELEZ INTERNATIONAL</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>609207105</cusip>
                <value>7500</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>217090</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>212189</Sole>
                        <Shared>0</Shared>
                        <None>4901</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MONDELEZ INTERNATIONAL</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>609207105</cusip>
                <value>78</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2270</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>270</Sole>
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                        <None>2000</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MONDELEZ INTERNATIONAL</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>609207105</cusip>
                <value>3789</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>109667</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>24572</Sole>
                        <Shared>0</Shared>
                        <None>85095</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MONSANTO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>61166W101</cusip>
                <value>615</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>5409</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>5409</Sole>
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                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MONSANTO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>61166W101</cusip>
                <value>3805</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>33449</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>4054</Sole>
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                        <None>29395</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MOOG INC- CL A</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>615394202</cusip>
                <value>2424</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>37007</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>37007</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MOOG INC- CL A</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>615394202</cusip>
                <value>8802</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>134364</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>1664</Sole>
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                        <None>132700</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MORGAN STANLEY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>617446448</cusip>
                <value>142</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>4556</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>4250</Sole>
                        <Shared>0</Shared>
                        <None>306</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MORGAN STANLEY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>617446448</cusip>
                <value>47</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1500</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>1500</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MORGAN STANLEY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>617446448</cusip>
                <value>6534</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>209631</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>5275</Sole>
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                        <None>204356</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MORGAN STANLEY </nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>61744G107</cusip>
                <value>124</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>8132</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>8132</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MORGAN STANLEY </nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>61744G107</cusip>
                <value>84</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>5500</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>5500</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MURPHY OIL CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>626717102</cusip>
                <value>324</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>5150</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>5150</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MURPHY OIL CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>626717102</cusip>
                <value>126</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>MURPHY OIL CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>626717102</cusip>
                <value>27</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>422</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>422</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MYLAN LABORATORIES INC.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>628530107</cusip>
                <value>1489</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>30496</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>30496</Sole>
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                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>MYLAN LABORATORIES INC.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>628530107</cusip>
                <value>546</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>11187</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>2550</Sole>
                        <Shared>0</Shared>
                        <None>8637</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>NCR CORP.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>62886E108</cusip>
                <value>7</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>191</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>191</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>NCR CORP.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>62886E108</cusip>
                <value>932</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>25500</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>25500</None>
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                <nameOfIssuer>NATIONAL FUEL GAS CO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>636180101</cusip>
                <value>164</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2345</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>2345</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>NATIONAL FUEL GAS CO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>636180101</cusip>
                <value>321</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>4590</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>4590</Sole>
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                        <None>0</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>NATIONAL-OILWELL VARCO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>637071101</cusip>
                <value>5675</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>72876</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>72496</Sole>
                        <Shared>0</Shared>
                        <None>380</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>NATIONAL-OILWELL VARCO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>637071101</cusip>
                <value>10</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>130</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>130</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>NATIONAL-OILWELL VARCO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>637071101</cusip>
                <value>3022</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>38806</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>5012</Sole>
                        <Shared>0</Shared>
                        <None>33794</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>NATIONAL RETAIL PROPERTIES INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>637417106</cusip>
                <value>2153</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>62723</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>61883</Sole>
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                        <None>840</None>
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        </infoTable>
        <infoTable>
                <nameOfIssuer>NATIONAL RETAIL PROPERTIES INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>637417106</cusip>
                <value>77</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2240</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>2240</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>NATIONAL RETAIL PROPERTIES INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>637417106</cusip>
                <value>881</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>25679</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>12159</Sole>
                        <Shared>0</Shared>
                        <None>13520</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>NEOGEN CORPORATION</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>640491106</cusip>
                <value>1365</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>30375</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>30375</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>NESTLE S.A. REG ADR</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>641069406</cusip>
                <value>17</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>222</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>222</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>NESTLE S.A. REG ADR</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>641069406</cusip>
                <value>2605</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>34627</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>34627</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>NETAPP INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>64110D104</cusip>
                <value>223</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>6054</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>6054</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>NETSCOUT SYSTEMS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>64115T104</cusip>
                <value>1240</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>33000</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>33000</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>NEW YORK COMMUNITY BANCORP, INC.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>649445103</cusip>
                <value>4</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>227</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>227</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>NEW YORK COMMUNITY BANCORP, INC.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>649445103</cusip>
                <value>295</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>18357</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>13600</Sole>
                        <Shared>0</Shared>
                        <None>4757</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>NEWMONT MINING CORPORATION</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>651639106</cusip>
                <value>74</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3154</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>2433</Sole>
                        <Shared>0</Shared>
                        <None>721</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>NEWMONT MINING CORPORATION</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>651639106</cusip>
                <value>164</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>6979</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>400</Sole>
                        <Shared>0</Shared>
                        <None>6579</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>NEXTERA ENERGY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>65339F101</cusip>
                <value>2884</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>30159</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>29159</Sole>
                        <Shared>0</Shared>
                        <None>1000</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>NEXTERA ENERGY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>65339F101</cusip>
                <value>1808</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>18906</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>5189</Sole>
                        <Shared>0</Shared>
                        <None>13717</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>NIKE INC. CLASS B</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>654106103</cusip>
                <value>3694</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>50012</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>49112</Sole>
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                        <None>900</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>NIKE INC. CLASS B</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>654106103</cusip>
                <value>213</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2886</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>900</Sole>
                        <Shared>0</Shared>
                        <None>1986</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>NISOURCE INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>65473P105</cusip>
                <value>124</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3500</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>3500</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>NISOURCE INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>65473P105</cusip>
                <value>254</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>7135</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>3118</Sole>
                        <Shared>0</Shared>
                        <None>4017</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>NORDSTROM INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>655664100</cusip>
                <value>100</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1600</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>1600</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>NORDSTROM INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>655664100</cusip>
                <value>1586</value>
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                        <sshPrnamt>25400</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>25400</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>NORFOLK SOUTHERN</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>655844108</cusip>
                <value>643</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>6621</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>6293</Sole>
                        <Shared>0</Shared>
                        <None>328</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>NORFOLK SOUTHERN</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>655844108</cusip>
                <value>2572</value>
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                        <sshPrnamt>26467</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>3774</Sole>
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                        <None>22693</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>NORTHSTAR REALTY FINANCE</nameOfIssuer>
                <titleOfClass>PREFERRED STOCK</titleOfClass>
                <cusip>66704R308</cusip>
                <value>406</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>16500</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>16500</Sole>
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                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>NOVARTIS A G ADR</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>66987V109</cusip>
                <value>33</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>387</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>387</Sole>
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                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>NOVARTIS A G ADR</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>66987V109</cusip>
                <value>270</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3171</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>1100</Sole>
                        <Shared>0</Shared>
                        <None>2071</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>NUCOR CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>670346105</cusip>
                <value>1160</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>22955</sshPrnamt>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>22755</Sole>
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                        <None>200</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>NUCOR CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>670346105</cusip>
                <value>76</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1500</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>1500</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>NUCOR CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>670346105</cusip>
                <value>128</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2541</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>1100</Sole>
                        <Shared>0</Shared>
                        <None>1441</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>NUVEEN MUNICIPAL VALUE FUND INC.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>670928100</cusip>
                <value>168</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>17762</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>17762</Sole>
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                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>NUVEEN MUNICIPAL VALUE FUND INC.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>670928100</cusip>
                <value>196</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>20700</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>20700</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>NUVEEN OHIO QUALITY INC MUNI</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>670980101</cusip>
                <value>224</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>14736</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>14736</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>NUVEEN INSURED MUNICIPAL</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>670984103</cusip>
                <value>96</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>6977</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>6977</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>NUVEEN INSURED MUNICIPAL</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>670984103</cusip>
                <value>232</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>16850</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>16850</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>OSI SYSTEMS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>671044105</cusip>
                <value>1197</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>20000</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>20000</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>OCCIDENTAL PETROLEUM</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>674599105</cusip>
                <value>1250</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>13122</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>12656</Sole>
                        <Shared>0</Shared>
                        <None>466</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>OCCIDENTAL PETROLEUM</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>674599105</cusip>
                <value>2098</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>22014</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>2014</Sole>
                        <Shared>0</Shared>
                        <None>20000</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>OCEANEERING INTERNATIONAL INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>675232102</cusip>
                <value>250</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3480</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>3480</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>OCEANEERING INTERNATIONAL INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>675232102</cusip>
                <value>740</value>
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                        <sshPrnamt>10300</sshPrnamt>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>10300</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>OLD REPUBLIC INTERNATIONAL CORP.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>680223104</cusip>
                <value>243</value>
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                        <sshPrnamt>14820</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>14320</Sole>
                        <Shared>0</Shared>
                        <None>500</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ONEOK, INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>682680103</cusip>
                <value>459</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>7750</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>7750</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>ONEOK, INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>682680103</cusip>
                <value>221</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3730</sshPrnamt>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>3230</Sole>
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                        <None>500</None>
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        <infoTable>
                <nameOfIssuer>ORACLE CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>68389X105</cusip>
                <value>4554</value>
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                        <sshPrnamt>111326</sshPrnamt>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>106160</Sole>
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                        <None>5166</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>ORACLE CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>68389X105</cusip>
                <value>205</value>
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                        <sshPrnamt>5000</sshPrnamt>
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                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>5000</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>ORACLE CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>68389X105</cusip>
                <value>13326</value>
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                        <sshPrnamt>325735</sshPrnamt>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>14060</Sole>
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                        <None>311675</None>
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                <nameOfIssuer>OWENS &amp; MINOR</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>690732102</cusip>
                <value>75</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2130</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>2130</None>
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        <infoTable>
                <nameOfIssuer>OWENS &amp; MINOR</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>690732102</cusip>
                <value>158</value>
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                        <sshPrnamt>4500</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>4500</None>
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        <infoTable>
                <nameOfIssuer>PNC FINANCIAL SERVICES GROUP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>693475105</cusip>
                <value>8774</value>
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                        <sshPrnamt>100853</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>98653</Sole>
                        <Shared>0</Shared>
                        <None>2200</None>
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        <infoTable>
                <nameOfIssuer>PNC FINANCIAL SERVICES GROUP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>693475105</cusip>
                <value>22</value>
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                        <sshPrnamt>249</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>249</Sole>
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                        <None>0</None>
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        <infoTable>
                <nameOfIssuer>PNC FINANCIAL SERVICES GROUP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>693475105</cusip>
                <value>3047</value>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>9441</Sole>
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                        <None>25579</None>
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        <infoTable>
                <nameOfIssuer>PNC FINANCIAL SERVICES GROUP</nameOfIssuer>
                <titleOfClass>PREFERRED STOCK</titleOfClass>
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                <value>17</value>
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                        <sshPrnamt>800</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>800</Sole>
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                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>PNC FINANCIAL SERVICES GROUP</nameOfIssuer>
                <titleOfClass>PREFERRED STOCK</titleOfClass>
                <cusip>693475832</cusip>
                <value>326</value>
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                        <sshPrnamt>15150</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
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                        <None>15150</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>PPG INDUSTRIES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>693506107</cusip>
                <value>5362</value>
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                        <sshPrnamt>27718</sshPrnamt>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>27338</Sole>
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                        <None>380</None>
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        <infoTable>
                <nameOfIssuer>PPG INDUSTRIES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>693506107</cusip>
                <value>6</value>
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                        <sshPrnamt>30</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>30</Sole>
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                        <None>0</None>
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        <infoTable>
                <nameOfIssuer>PPG INDUSTRIES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>693506107</cusip>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>19164</Sole>
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                        <None>15812</None>
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        <infoTable>
                <nameOfIssuer>PPL CORPORATION</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>69351T106</cusip>
                <value>416</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>12566</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>12566</Sole>
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                        <None>0</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>PPL CORPORATION</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>3410</Sole>
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                        <None>7139</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>PACCAR INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>693718108</cusip>
                <value>437</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>6475</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>6375</Sole>
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                        <None>100</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>PACCAR INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>693718108</cusip>
                <value>259</value>
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                        <sshPrnamt>3846</sshPrnamt>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>850</Sole>
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                        <None>2996</None>
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        <infoTable>
                <nameOfIssuer>PANERA BREAD CO. CLASS A</nameOfIssuer>
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                <cusip>69840W108</cusip>
                <value>344</value>
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                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
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                        <Shared>0</Shared>
                        <None>1950</None>
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        </infoTable>
        <infoTable>
                <nameOfIssuer>PARKER-HANNIFIN CORP.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>701094104</cusip>
                <value>762</value>
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                        <sshPrnamt>6366</sshPrnamt>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>6266</Sole>
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                        <None>100</None>
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        <infoTable>
                <nameOfIssuer>PARKER-HANNIFIN CORP.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>701094104</cusip>
                <value>141</value>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>500</Sole>
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                        <None>675</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>PAYCHEX INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
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                        <None>0</None>
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        <infoTable>
                <nameOfIssuer>PAYCHEX INC</nameOfIssuer>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
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                        <None>3506</None>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
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                        <None>0</None>
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        <infoTable>
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                <cusip>70706P104</cusip>
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                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>2000</Sole>
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                        <None>0</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>PEPSICO</nameOfIssuer>
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                <cusip>713448108</cusip>
                <value>7376</value>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>84502</Sole>
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                        <None>3833</None>
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        <infoTable>
                <nameOfIssuer>PEPSICO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>713448108</cusip>
                <value>251</value>
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                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
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                        <None>3000</None>
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        <infoTable>
                <nameOfIssuer>PEPSICO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>713448108</cusip>
                <value>2544</value>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>16359</Sole>
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                        <None>14103</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>PETSMART INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>716768106</cusip>
                <value>3956</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>57405</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>57075</Sole>
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                        <None>330</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>PETSMART INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>716768106</cusip>
                <value>8</value>
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                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>120</Sole>
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                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>PETSMART INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>716768106</cusip>
                <value>1144</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>16599</sshPrnamt>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>2060</Sole>
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                        <None>14539</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>PFIZER INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>717081103</cusip>
                <value>6782</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>211147</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>205277</Sole>
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                        <None>5870</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>PFIZER INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>717081103</cusip>
                <value>3678</value>
                <shrsOrPrnAmt>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>90583</Sole>
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                        <None>23911</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>PHILIP MORRIS INTL</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>718172109</cusip>
                <value>1713</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>20919</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>19877</Sole>
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                        <None>1042</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>PHILIP MORRIS INTL</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>718172109</cusip>
                <value>2343</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>28621</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>20481</Sole>
                        <Shared>0</Shared>
                        <None>8140</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>PHILLIPS 66</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>718546104</cusip>
                <value>4892</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>63481</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>61077</Sole>
                        <Shared>0</Shared>
                        <None>2404</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>PHILLIPS 66</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>718546104</cusip>
                <value>150</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1942</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>1942</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>PHILLIPS 66</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>718546104</cusip>
                <value>1701</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>22079</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>15211</Sole>
                        <Shared>0</Shared>
                        <None>6868</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>PIONEER NATURAL RESOURCES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>723787107</cusip>
                <value>83</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>445</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>445</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>PIONEER NATURAL RESOURCES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>723787107</cusip>
                <value>1930</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>10312</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>26</Sole>
                        <Shared>0</Shared>
                        <None>10286</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>PLUM CREEK TIMBER COMPANY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>729251108</cusip>
                <value>562</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>13377</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>13377</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>PLUM CREEK TIMBER COMPANY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>729251108</cusip>
                <value>17</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>400</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>400</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>PLUM CREEK TIMBER COMPANY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>729251108</cusip>
                <value>783</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>18626</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>3050</Sole>
                        <Shared>0</Shared>
                        <None>15576</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>PORTFOLIO RECOVERY ASSOCIATES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>73640Q105</cusip>
                <value>752</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>13000</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>13000</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>POTASH CORP OF SASKATCHEWAN</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>73755L107</cusip>
                <value>29</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>800</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>800</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>POTASH CORP OF SASKATCHEWAN</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>73755L107</cusip>
                <value>185</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>5100</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>100</Sole>
                        <Shared>0</Shared>
                        <None>5000</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>POWERSHARES QQQ</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>73935A104</cusip>
                <value>1568</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>17880</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>17880</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>POWERSHARES QQQ</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>73935A104</cusip>
                <value>88</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1000</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>500</Sole>
                        <Shared>0</Shared>
                        <None>500</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>PRAXAIR INC.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>74005P104</cusip>
                <value>347</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2651</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>2451</Sole>
                        <Shared>0</Shared>
                        <None>200</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>PRAXAIR INC.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>74005P104</cusip>
                <value>472</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3601</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>2254</Sole>
                        <Shared>0</Shared>
                        <None>1347</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>PRECISION CASTPARTS CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>740189105</cusip>
                <value>5374</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>21262</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>20957</Sole>
                        <Shared>0</Shared>
                        <None>305</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>PRECISION CASTPARTS CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>740189105</cusip>
                <value>9</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>35</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>35</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>PRECISION CASTPARTS CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>740189105</cusip>
                <value>2955</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>11691</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>1375</Sole>
                        <Shared>0</Shared>
                        <None>10316</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>PROCTER &amp; GAMBLE</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>742718109</cusip>
                <value>17258</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>214120</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>210123</Sole>
                        <Shared>0</Shared>
                        <None>3997</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>PROCTER &amp; GAMBLE</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>742718109</cusip>
                <value>8183</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>101531</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>85807</Sole>
                        <Shared>0</Shared>
                        <None>15724</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>PROLOGIS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>74340W103</cusip>
                <value>617</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>15100</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>13100</Sole>
                        <Shared>0</Shared>
                        <None>2000</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>PROLOGIS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>74340W103</cusip>
                <value>193</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>4721</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>1875</Sole>
                        <Shared>0</Shared>
                        <None>2846</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>PRUDENTIAL FINANCIAL INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>744320102</cusip>
                <value>4784</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>56511</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>55629</Sole>
                        <Shared>0</Shared>
                        <None>882</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>PRUDENTIAL FINANCIAL INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>744320102</cusip>
                <value>9</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>110</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>110</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>PRUDENTIAL FINANCIAL INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>744320102</cusip>
                <value>1283</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>15155</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>3030</Sole>
                        <Shared>0</Shared>
                        <None>12125</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>PUBLIC SERVICE ENTERPRISE GROUP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>744573106</cusip>
                <value>466</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>12220</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>11620</Sole>
                        <Shared>0</Shared>
                        <None>600</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>PUBLIC SERVICE ENTERPRISE GROUP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>744573106</cusip>
                <value>652</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>17094</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>2572</Sole>
                        <Shared>0</Shared>
                        <None>14522</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>PUBLIC STORAGE</nameOfIssuer>
                <titleOfClass>PREFERRED STOCK</titleOfClass>
                <cusip>74460W206</cusip>
                <value>272</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>11482</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>11482</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>QUALCOMM INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>747525103</cusip>
                <value>11433</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>144979</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>142249</Sole>
                        <Shared>0</Shared>
                        <None>2730</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>QUALCOMM INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>747525103</cusip>
                <value>173</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2190</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>190</Sole>
                        <Shared>0</Shared>
                        <None>2000</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>QUALCOMM INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>747525103</cusip>
                <value>13548</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>171795</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>13624</Sole>
                        <Shared>0</Shared>
                        <None>158171</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>QUALYS INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>74758T303</cusip>
                <value>674</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>26500</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>26500</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>QUANTA SERVICES INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>74762E102</cusip>
                <value>6254</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>169485</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>168375</Sole>
                        <Shared>0</Shared>
                        <None>1110</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>QUANTA SERVICES INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>74762E102</cusip>
                <value>11</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>300</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>300</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>QUANTA SERVICES INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>74762E102</cusip>
                <value>4177</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>113210</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>7600</Sole>
                        <Shared>0</Shared>
                        <None>105610</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>QUEST DIAGNOSTICS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>74834L100</cusip>
                <value>218</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3760</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>3760</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>QUEST DIAGNOSTICS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>74834L100</cusip>
                <value>139</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2398</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>1498</Sole>
                        <Shared>0</Shared>
                        <None>900</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>RAYMOND JAMES FINANCIAL</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>754730109</cusip>
                <value>142</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2540</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>2540</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>RAYMOND JAMES FINANCIAL</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>754730109</cusip>
                <value>137</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2450</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>2250</Sole>
                        <Shared>0</Shared>
                        <None>200</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>RAYONIER INC.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>754907103</cusip>
                <value>321</value>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>6900</Sole>
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                        <None>100</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>RAYTHEON</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>755111507</cusip>
                <value>608</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>6153</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>6153</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>RAYTHEON</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>755111507</cusip>
                <value>150</value>
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                        <sshPrnamt>1518</sshPrnamt>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>1518</Sole>
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                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>REGIONS FINANCIAL CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>7591EP100</cusip>
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                        <sshPrnamt>22846</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>500</Sole>
                        <Shared>0</Shared>
                        <None>22346</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>RESOURCE CAPITAL CORP</nameOfIssuer>
                <titleOfClass>PREFERRED STOCK</titleOfClass>
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                <value>308</value>
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                        <sshPrnamt>13600</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>13600</Sole>
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                        <None>0</None>
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        </infoTable>
        <infoTable>
                <nameOfIssuer>REX ENERGY CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>761565100</cusip>
                <value>131</value>
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                        <sshPrnamt>7015</sshPrnamt>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>6840</Sole>
                        <Shared>0</Shared>
                        <None>175</None>
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        </infoTable>
        <infoTable>
                <nameOfIssuer>REX ENERGY CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>761565100</cusip>
                <value>260</value>
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                        <sshPrnamt>13900</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>1400</Sole>
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                        <None>12500</None>
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        <infoTable>
                <nameOfIssuer>ROCHE HOLDINGS ADR</nameOfIssuer>
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                <cusip>771195104</cusip>
                <value>528</value>
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                        <sshPrnamt>14000</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>14000</None>
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        <infoTable>
                <nameOfIssuer>ROCKWELL</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>773903109</cusip>
                <value>1409</value>
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                        <sshPrnamt>11312</sshPrnamt>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>11162</Sole>
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                        <None>150</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ROCKWELL</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>773903109</cusip>
                <value>389</value>
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                        <sshPrnamt>3123</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>1994</Sole>
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                        <None>1129</None>
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                <nameOfIssuer>ROCKWELL COLLINS</nameOfIssuer>
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                <cusip>774341101</cusip>
                <value>587</value>
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                        <sshPrnamt>7365</sshPrnamt>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>7265</Sole>
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                        <None>100</None>
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        </infoTable>
        <infoTable>
                <nameOfIssuer>ROCKWELL COLLINS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>774341101</cusip>
                <value>263</value>
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                        <sshPrnamt>3299</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>2120</Sole>
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                        <None>1179</None>
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                <nameOfIssuer>ROPER INDUSTRIES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>776696106</cusip>
                <value>187</value>
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                        <sshPrnamt>1398</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>1398</Sole>
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                        <None>0</None>
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        <infoTable>
                <nameOfIssuer>ROPER INDUSTRIES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>776696106</cusip>
                <value>1435</value>
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                        <sshPrnamt>10745</sshPrnamt>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>6100</Sole>
                        <Shared>0</Shared>
                        <None>4645</None>
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        <infoTable>
                <nameOfIssuer>ROSETTA RESOURCES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>777779307</cusip>
                <value>198</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>4250</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>4250</Sole>
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                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ROSETTA RESOURCES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>777779307</cusip>
                <value>1258</value>
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                        <sshPrnamt>27000</sshPrnamt>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
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                        <None>27000</None>
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        <infoTable>
                <nameOfIssuer>ROYAL DUTCH SHELL PLC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>780259206</cusip>
                <value>1708</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>23378</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>23153</Sole>
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                        <None>225</None>
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        <infoTable>
                <nameOfIssuer>ROYAL DUTCH SHELL PLC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>780259206</cusip>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>18012</Sole>
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                        <None>1635</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>RYDER SYSTEM, INC.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>783549108</cusip>
                <value>1251</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>15650</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>15650</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>SM ENERGY COMPANY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>78454L100</cusip>
                <value>6</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>82</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>82</Sole>
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                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SM ENERGY COMPANY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>78454L100</cusip>
                <value>577</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>8100</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>8100</None>
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        <infoTable>
                <nameOfIssuer>SPDR</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>78462F103</cusip>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>1467</Sole>
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                        <None>0</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>SPDR</nameOfIssuer>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
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                        <None>82</None>
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                <nameOfIssuer>SPDR</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
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                <votingAuthority>
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                        <None>135</None>
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        <infoTable>
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                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>78463V107</cusip>
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                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>410</Sole>
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                        <None>500</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>SPDR</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>78464A359</cusip>
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                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>4100</Sole>
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                        <None>0</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>SPDR</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>78464A359</cusip>
                <value>871</value>
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                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
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                        <None>18000</None>
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        <infoTable>
                <nameOfIssuer>SPDR</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>78464A698</cusip>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>16050</Sole>
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                        <None>900</None>
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        <infoTable>
                <nameOfIssuer>SPDR</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>78464A698</cusip>
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                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>DFND</investmentDiscretion>
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                        <None>6000</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>SPDR</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>78464A698</cusip>
                <value>83</value>
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                        <sshPrnamt>2000</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>2000</Sole>
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                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SPDR</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>78464A763</cusip>
                <value>1398</value>
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                        <sshPrnamt>19003</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>18720</Sole>
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                        <None>283</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SPDR</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>78464A763</cusip>
                <value>625</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>8492</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>8292</Sole>
                        <Shared>0</Shared>
                        <None>200</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SPDR</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>78467Y107</cusip>
                <value>1953</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>7793</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>7793</Sole>
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                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SPDR</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>78467Y107</cusip>
                <value>9</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>34</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
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                        <None>34</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ST JUDE MEDICAL INC.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>790849103</cusip>
                <value>337</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>5150</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>3850</Sole>
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                        <None>1300</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SALESFORCE.COM,INC </nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>79466L302</cusip>
                <value>247</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>4326</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>4326</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SALIX PHARMACEUTICALS,LTD.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>795435106</cusip>
                <value>508</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>4900</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>4900</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SANDISK CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>80004C101</cusip>
                <value>524</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>6460</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>5660</Sole>
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                        <None>800</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SANDISK CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>80004C101</cusip>
                <value>4798</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>59092</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>250</Sole>
                        <Shared>0</Shared>
                        <None>58842</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SCANA CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>80589M102</cusip>
                <value>1052</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>20500</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>19500</Sole>
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                        <None>1000</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SCANA CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>80589M102</cusip>
                <value>103</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>SCANA CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>80589M102</cusip>
                <value>361</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>7031</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>5381</Sole>
                        <Shared>0</Shared>
                        <None>1650</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>806857108</cusip>
                <value>2748</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>28182</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>26766</Sole>
                        <Shared>0</Shared>
                        <None>1416</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>806857108</cusip>
                <value>4156</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>42629</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>5783</Sole>
                        <Shared>0</Shared>
                        <None>36846</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>CHARLES SCHWAB CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>808513105</cusip>
                <value>236</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>8621</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>8621</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SPDR</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>81369Y209</cusip>
                <value>295</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>5046</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>5046</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SPDR</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>81369Y704</cusip>
                <value>248</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>4739</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>4739</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SPDR</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>81369Y803</cusip>
                <value>596</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>16387</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>15387</Sole>
                        <Shared>0</Shared>
                        <None>1000</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SPDR</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>81369Y803</cusip>
                <value>97</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2665</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>2665</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SEMPRA ENERGY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>816851109</cusip>
                <value>135</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1400</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>1400</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SEMPRA ENERGY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>816851109</cusip>
                <value>166</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1714</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>1200</Sole>
                        <Shared>0</Shared>
                        <None>514</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SENIOR HOUSING PROP TRUST</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>81721M109</cusip>
                <value>491</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>21842</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>21642</Sole>
                        <Shared>0</Shared>
                        <None>200</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SENIOR HOUSING PROP TRUST</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>81721M109</cusip>
                <value>116</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>5150</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>1850</Sole>
                        <Shared>0</Shared>
                        <None>3300</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SIMON PROPERTY GROUP INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>828806109</cusip>
                <value>161</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>982</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>566</Sole>
                        <Shared>0</Shared>
                        <None>416</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SIMON PROPERTY GROUP INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>828806109</cusip>
                <value>169</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1032</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>200</Sole>
                        <Shared>0</Shared>
                        <None>832</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SIRONA DENTAL SYSTEMS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>82966C103</cusip>
                <value>246</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3300</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>3300</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SIRIUS XM HOLDINGS INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>82968B103</cusip>
                <value>26</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>8260</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>8260</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SIRIUS XM HOLDINGS INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>82968B103</cusip>
                <value>24</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>7500</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>3100</Sole>
                        <Shared>0</Shared>
                        <None>4400</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>J M SMUCKER COMPANY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>832696405</cusip>
                <value>391</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>4024</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>3124</Sole>
                        <Shared>0</Shared>
                        <None>900</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>J M SMUCKER COMPANY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>832696405</cusip>
                <value>245</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2521</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>1292</Sole>
                        <Shared>0</Shared>
                        <None>1229</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SONOCO PRODUCTS COMPANY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>835495102</cusip>
                <value>209</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>5100</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>5100</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SONOCO PRODUCTS COMPANY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>835495102</cusip>
                <value>90</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2200</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>2000</Sole>
                        <Shared>0</Shared>
                        <None>200</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SOUTHERN CO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>842587107</cusip>
                <value>1964</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>44700</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>44400</Sole>
                        <Shared>0</Shared>
                        <None>300</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SOUTHERN CO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>842587107</cusip>
                <value>324</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>7370</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>3370</Sole>
                        <Shared>0</Shared>
                        <None>4000</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SOUTHERN CO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>842587107</cusip>
                <value>1645</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>37438</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>18468</Sole>
                        <Shared>0</Shared>
                        <None>18970</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SOUTHWEST AIRLINES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>844741108</cusip>
                <value>47</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2000</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>2000</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SOUTHWEST AIRLINES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>844741108</cusip>
                <value>2682</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>113579</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>113579</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SOUTHWESTERN ENERGY COMPANY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>845467109</cusip>
                <value>3718</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>80800</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>80800</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SPECTRA ENERGY CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>847560109</cusip>
                <value>443</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>11991</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>11331</Sole>
                        <Shared>0</Shared>
                        <None>660</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SPECTRA ENERGY CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>847560109</cusip>
                <value>135</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3649</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>1308</Sole>
                        <Shared>0</Shared>
                        <None>2341</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SPLUNK INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>848637104</cusip>
                <value>207</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2901</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>2901</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SPLUNK INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>848637104</cusip>
                <value>29</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>400</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>400</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>STANDARD MOTOR PRODUCTS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>853666105</cusip>
                <value>211</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>5886</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>5886</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>855244109</cusip>
                <value>50</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>679</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>679</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>855244109</cusip>
                <value>751</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>10236</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>10236</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>STATE STREET CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>857477103</cusip>
                <value>133</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1907</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>1907</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>STATE STREET CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>857477103</cusip>
                <value>159</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2286</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>2286</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>STIFEL FINANCIAL</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>860630102</cusip>
                <value>2284</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>45900</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>45900</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>STRYKER CORP.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>863667101</cusip>
                <value>525</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>6449</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>6449</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>STRYKER CORP.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>863667101</cusip>
                <value>289</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3542</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>1650</Sole>
                        <Shared>0</Shared>
                        <None>1892</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SUMITOMO MITSUI TRUST HLDGS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>86562X106</cusip>
                <value>90</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>19965</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>19965</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SUN COMMUNITIES, INC.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>866674104</cusip>
                <value>451</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>10000</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>10000</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SUNOCO LOGISTICS PARTNERS LP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>86764L108</cusip>
                <value>951</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>10468</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>10468</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SUNOCO LOGISTICS PARTNERS LP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>86764L108</cusip>
                <value>55</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>600</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>600</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SUNTRUST BANKS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>867914103</cusip>
                <value>59</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1485</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>1485</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SUNTRUST BANKS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>867914103</cusip>
                <value>253</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>6361</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>300</Sole>
                        <Shared>0</Shared>
                        <None>6061</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SUPERIOR ENERGY SERVICES, INC.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>868157108</cusip>
                <value>18</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>600</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>600</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SUPERIOR ENERGY SERVICES, INC.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>868157108</cusip>
                <value>295</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>9600</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>9600</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SURMODICS INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>868873100</cusip>
                <value>339</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>15000</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>15000</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SYNTEL,INC </nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>87162H103</cusip>
                <value>1391</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>15475</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>15475</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SYSCO CORP.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>871829107</cusip>
                <value>407</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>11273</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>10713</Sole>
                        <Shared>0</Shared>
                        <None>560</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SYSCO CORP.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>871829107</cusip>
                <value>501</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>13865</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>7750</Sole>
                        <Shared>0</Shared>
                        <None>6115</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>TECO ENERGY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>872375100</cusip>
                <value>193</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>11226</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>11226</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>TECO ENERGY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>872375100</cusip>
                <value>144</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>8408</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>7058</Sole>
                        <Shared>0</Shared>
                        <None>1350</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>TJX COMPANIES INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>872540109</cusip>
                <value>286</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>4710</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>4710</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>TJX COMPANIES INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>872540109</cusip>
                <value>2127</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>35072</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>400</Sole>
                        <Shared>0</Shared>
                        <None>34672</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>TAIWAN SEMICONDUCTOR</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>874039100</cusip>
                <value>11</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>550</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>550</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>TAIWAN SEMICONDUCTOR</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>874039100</cusip>
                <value>339</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>16942</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>7204</Sole>
                        <Shared>0</Shared>
                        <None>9738</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>TARGET</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>87612E106</cusip>
                <value>198</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3269</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>3094</Sole>
                        <Shared>0</Shared>
                        <None>175</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>TARGET</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>87612E106</cusip>
                <value>91</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1500</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>1500</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>TARGET</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>87612E106</cusip>
                <value>510</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>8423</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>4025</Sole>
                        <Shared>0</Shared>
                        <None>4398</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>TERADYNE</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>880770102</cusip>
                <value>1579</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>79400</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>79400</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>TESORO CORP.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>881609101</cusip>
                <value>8</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>150</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>150</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>TESORO CORP.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>881609101</cusip>
                <value>951</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>18800</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>18800</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>TEVA PHARMACEUTICAL</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>881624209</cusip>
                <value>299</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>5665</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>5165</Sole>
                        <Shared>0</Shared>
                        <None>500</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>TEVA PHARMACEUTICAL</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>881624209</cusip>
                <value>339</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>6409</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>402</Sole>
                        <Shared>0</Shared>
                        <None>6007</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>TEXAS INSTRUMENTS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>882508104</cusip>
                <value>12143</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>257490</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>246314</Sole>
                        <Shared>0</Shared>
                        <None>11176</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>TEXAS INSTRUMENTS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>882508104</cusip>
                <value>318</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>6740</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>240</Sole>
                        <Shared>0</Shared>
                        <None>6500</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>TEXAS INSTRUMENTS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>882508104</cusip>
                <value>2554</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>54163</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>25446</Sole>
                        <Shared>0</Shared>
                        <None>28717</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>TEXTRON INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>883203101</cusip>
                <value>214</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>5456</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>5456</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>TEXTRON INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>883203101</cusip>
                <value>372</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>9470</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>9470</Sole>
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                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>THERMO FISHER SCIENTIFIC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>883556102</cusip>
                <value>266</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2215</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>2215</Sole>
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                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>THERMO FISHER SCIENTIFIC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>883556102</cusip>
                <value>237</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1975</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>1625</Sole>
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                        <None>350</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>THIRD STREET BANCSHARES, INC.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>884283102</cusip>
                <value>456</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>9118</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>9118</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>3M COMPANY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>88579Y101</cusip>
                <value>13420</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>98924</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>96358</Sole>
                        <Shared>0</Shared>
                        <None>2566</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>3M COMPANY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>88579Y101</cusip>
                <value>163</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1200</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>1200</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>3M COMPANY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>88579Y101</cusip>
                <value>2733</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>20146</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>13071</Sole>
                        <Shared>0</Shared>
                        <None>7075</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>THRESHOLD PHARMACEUTICALS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>885807206</cusip>
                <value>83</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>17400</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>17400</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>TIFFANY &amp; CO NEW</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>886547108</cusip>
                <value>218</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2529</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>2529</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>TIM HORTONS, INC.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>88706M103</cusip>
                <value>351</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>6353</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>6353</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>TIM HORTONS, INC.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>88706M103</cusip>
                <value>22</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>390</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>390</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>TIME WARNER</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>887317303</cusip>
                <value>109</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1669</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>1669</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>TIME WARNER</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>887317303</cusip>
                <value>517</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>7920</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>2900</Sole>
                        <Shared>0</Shared>
                        <None>5020</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>TORO COMPANY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>891092108</cusip>
                <value>371</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>5875</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>5875</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>TORONTO-DOMINION BANK</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>891160509</cusip>
                <value>1473</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>31368</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>31268</Sole>
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                        <None>100</None>
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        </infoTable>
        <infoTable>
                <nameOfIssuer>TORONTO-DOMINION BANK</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>891160509</cusip>
                <value>3207</value>
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                        <sshPrnamt>68298</sshPrnamt>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>4678</Sole>
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                        <None>63620</None>
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        <infoTable>
                <nameOfIssuer>TOTAL FINA SA SPON ADR</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>89151E109</cusip>
                <value>281</value>
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                        <sshPrnamt>4279</sshPrnamt>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>50</Sole>
                        <Shared>0</Shared>
                        <None>4229</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>TOYOTA MOTOR CORP</nameOfIssuer>
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                <cusip>892331307</cusip>
                <value>28</value>
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                        <sshPrnamt>250</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>250</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
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        <infoTable>
                <nameOfIssuer>TOYOTA MOTOR CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>892331307</cusip>
                <value>194</value>
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                        <sshPrnamt>1720</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>320</Sole>
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                        <None>1400</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>THE TRAVELERS COMPANIES INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>89417E109</cusip>
                <value>327</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3841</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>3841</Sole>
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                        <None>0</None>
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        </infoTable>
        <infoTable>
                <nameOfIssuer>THE TRAVELERS COMPANIES INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>89417E109</cusip>
                <value>173</value>
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                        <sshPrnamt>2029</sshPrnamt>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>2029</None>
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        <infoTable>
                <nameOfIssuer>TRI- CONTINENTAL CORP.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>895436103</cusip>
                <value>102</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>5078</sshPrnamt>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>5078</Sole>
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                        <None>0</None>
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        </infoTable>
        <infoTable>
                <nameOfIssuer>TRI- CONTINENTAL CORP.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>895436103</cusip>
                <value>379</value>
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                        <sshPrnamt>18861</sshPrnamt>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>18861</Sole>
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                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>TRI-STATE FIRST BANC INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>895665305</cusip>
                <value>350</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>37335</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>37335</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>TRI-STATE FIRST BANC INC</nameOfIssuer>
                <titleOfClass>PREFERRED STOCK</titleOfClass>
                <cusip>895665404</cusip>
                <value>550</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>110</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>110</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>TRIUMPH GROUP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>896818101</cusip>
                <value>3365</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>52100</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>52100</None>
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        </infoTable>
        <infoTable>
                <nameOfIssuer>TRULIA INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>897888103</cusip>
                <value>664</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>20000</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>20000</None>
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        <infoTable>
                <nameOfIssuer>TWENTY-FIRST CENTURY FOX</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>90130A101</cusip>
                <value>244</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>7620</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>7620</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>UGI CORP HOLDING CO.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>902681105</cusip>
                <value>282</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>6190</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>6190</Sole>
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                        <None>0</None>
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        <infoTable>
                <nameOfIssuer>UGI CORP HOLDING CO.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>902681105</cusip>
                <value>154</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3375</sshPrnamt>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>2175</Sole>
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                        <None>1200</None>
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        <infoTable>
                <nameOfIssuer>UMB FINANCIAL CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>902788108</cusip>
                <value>708</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>10950</sshPrnamt>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>10950</None>
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        <infoTable>
                <nameOfIssuer>US BANCORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>902973304</cusip>
                <value>5866</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>136863</sshPrnamt>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>135793</Sole>
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                        <None>1070</None>
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        <infoTable>
                <nameOfIssuer>US BANCORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>902973304</cusip>
                <value>11</value>
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                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>250</Sole>
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                        <None>0</None>
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        <infoTable>
                <nameOfIssuer>US BANCORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>902973304</cusip>
                <value>1596</value>
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                        <sshPrnamt>37248</sshPrnamt>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>8430</Sole>
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                        <None>28818</None>
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                <nameOfIssuer>US SILICA HOLDINGS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>90346E103</cusip>
                <value>720</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>18850</sshPrnamt>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>18850</None>
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        <infoTable>
                <nameOfIssuer>ULTRATECH INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>904034105</cusip>
                <value>876</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>30000</sshPrnamt>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
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                        <Shared>0</Shared>
                        <None>30000</None>
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        <infoTable>
                <nameOfIssuer>UNILEVER</nameOfIssuer>
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                <cusip>904784709</cusip>
                <value>44</value>
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                        <sshPrnamt>1071</sshPrnamt>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>1071</Sole>
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                        <None>0</None>
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        <infoTable>
                <nameOfIssuer>UNILEVER</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>904784709</cusip>
                <value>296</value>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>5300</Sole>
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                        <None>1898</None>
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                <nameOfIssuer>UNION PACIFIC</nameOfIssuer>
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                <cusip>907818108</cusip>
                <value>7392</value>
                <shrsOrPrnAmt>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>37913</Sole>
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                        <None>1480</None>
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        <infoTable>
                <nameOfIssuer>UNION PACIFIC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>907818108</cusip>
                <value>385</value>
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                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>50</Sole>
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                        <None>2000</None>
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        <infoTable>
                <nameOfIssuer>UNION PACIFIC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>907818108</cusip>
                <value>10597</value>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>2745</Sole>
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                        <None>53722</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>UNITED BANKSHARES INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>909907107</cusip>
                <value>2161</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>70565</sshPrnamt>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>68065</Sole>
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                        <None>2500</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>UNITED BANKSHARES INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>909907107</cusip>
                <value>3799</value>
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                        <sshPrnamt>124063</sshPrnamt>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>68122</Sole>
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                        <None>55941</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>UNITED BANCORP INC/OHIO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>909911109</cusip>
                <value>96</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>11329</sshPrnamt>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>11329</Sole>
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                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>UNITED BANCORP INC/OHIO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>909911109</cusip>
                <value>2170</value>
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                        <sshPrnamt>255270</sshPrnamt>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>243588</Sole>
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                        <None>11682</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>UNITED CONTINENTAL HOLDINGS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>910047109</cusip>
                <value>1811</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>40583</sshPrnamt>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>40583</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>UNITED NATURAL FOODS INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>911163103</cusip>
                <value>227</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3200</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>3200</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>UNITED PARCEL SERVICE</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>911312106</cusip>
                <value>478</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>4913</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>4713</Sole>
                        <Shared>0</Shared>
                        <None>200</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>UNITED PARCEL SERVICE</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>911312106</cusip>
                <value>97</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>UNITED PARCEL SERVICE</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>911312106</cusip>
                <value>953</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>9788</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>800</Sole>
                        <Shared>0</Shared>
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                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>92343V104</cusip>
                <value>101</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2130</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>2130</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>VERIZON COMMUNICATIONS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>92343V104</cusip>
                <value>4312</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>90638</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>50109</Sole>
                        <Shared>0</Shared>
                        <None>40529</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>VIACOM</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>92553P201</cusip>
                <value>92</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1081</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>1081</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>VIACOM</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>92553P201</cusip>
                <value>326</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3833</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>3833</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>VISA INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>92826C839</cusip>
                <value>407</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1885</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>1710</Sole>
                        <Shared>0</Shared>
                        <None>175</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>VISA INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>92826C839</cusip>
                <value>551</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2554</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>2554</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>VODAFONE GROUP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>92857W308</cusip>
                <value>447</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>12134</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>11496</Sole>
                        <Shared>0</Shared>
                        <None>638</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>VODAFONE GROUP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>92857W308</cusip>
                <value>405</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>10991</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>6646</Sole>
                        <Shared>0</Shared>
                        <None>4345</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>WVS FINANCIAL CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>929358109</cusip>
                <value>773</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>66953</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>66953</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>WAL-MART STORES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>931142103</cusip>
                <value>1525</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>19952</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>19350</Sole>
                        <Shared>0</Shared>
                        <None>602</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>WAL-MART STORES</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>931142103</cusip>
                <value>2196</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>28734</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>5889</Sole>
                        <Shared>0</Shared>
                        <None>22845</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>WALGREEN CO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>931422109</cusip>
                <value>182</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2750</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>2750</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>WALGREEN CO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>931422109</cusip>
                <value>1291</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>19548</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>2577</Sole>
                        <Shared>0</Shared>
                        <None>16971</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>WELLPOINT</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>94973V107</cusip>
                <value>90</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>900</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>62</Sole>
                        <Shared>0</Shared>
                        <None>838</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>WELLPOINT</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>94973V107</cusip>
                <value>207</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>2081</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>100</Sole>
                        <Shared>0</Shared>
                        <None>1981</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>WELLS FARGO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>949746101</cusip>
                <value>11798</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>237201</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>235141</Sole>
                        <Shared>0</Shared>
                        <None>2060</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>WELLS FARGO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>949746101</cusip>
                <value>525</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>10550</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>2550</Sole>
                        <Shared>0</Shared>
                        <None>8000</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>WELLS FARGO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>949746101</cusip>
                <value>14826</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>298067</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>27701</Sole>
                        <Shared>0</Shared>
                        <None>270366</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>WELLS FARGO</nameOfIssuer>
                <titleOfClass>PREFERRED STOCK</titleOfClass>
                <cusip>949746879</cusip>
                <value>381</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>13090</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>13090</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>WENDY'S</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>95058W100</cusip>
                <value>182</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>19940</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>19940</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>WENDY'S</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>95058W100</cusip>
                <value>6</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>615</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>615</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>WESBANCO INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>950810101</cusip>
                <value>41119</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1291817</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>939207</Sole>
                        <Shared>0</Shared>
                        <None>352610</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>WESBANCO INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>950810101</cusip>
                <value>64</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>WESBANCO INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>950810101</cusip>
                <value>13386</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>420537</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>167148</Sole>
                        <Shared>0</Shared>
                        <None>253389</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>WHIRLPOOL CORP.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>963320106</cusip>
                <value>17</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>117</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>117</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>WHIRLPOOL CORP.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>963320106</cusip>
                <value>191</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1280</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>600</Sole>
                        <Shared>0</Shared>
                        <None>680</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>WHITEWAVE FOODS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>966244105</cusip>
                <value>1082</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>37902</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>37902</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>WHITING PETROLEUM CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>966387102</cusip>
                <value>361</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>5200</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>5200</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>WHOLE FOODS MARKET, INC.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>966837106</cusip>
                <value>3240</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>63898</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>490</Sole>
                        <Shared>0</Shared>
                        <None>63408</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>THE WILLIAMS COMPANIES INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>969457100</cusip>
                <value>156</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3839</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>2339</Sole>
                        <Shared>0</Shared>
                        <None>1500</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>THE WILLIAMS COMPANIES INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>969457100</cusip>
                <value>615</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>15158</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>4200</Sole>
                        <Shared>0</Shared>
                        <None>10958</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>WINDSTREAM HOLDINGS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>97382A101</cusip>
                <value>5</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>662</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>662</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>WINDSTREAM HOLDINGS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>97382A101</cusip>
                <value>139</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>16902</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>14084</Sole>
                        <Shared>0</Shared>
                        <None>2818</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>WISCONSIN ENERGY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>976657106</cusip>
                <value>285</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>6124</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>6124</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>WISCONSIN ENERGY</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>976657106</cusip>
                <value>31</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>674</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>474</Sole>
                        <Shared>0</Shared>
                        <None>200</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>WISDOMTREE INVESTMENTS INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>97717P104</cusip>
                <value>866</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>66000</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>66000</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>WISDOMTREE</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>97717W851</cusip>
                <value>11</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>240</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>240</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>WISDOMTREE</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>97717W851</cusip>
                <value>196</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>4150</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>3000</Sole>
                        <Shared>0</Shared>
                        <None>1150</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>WOODWARD INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>980745103</cusip>
                <value>215</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>5166</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>5166</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>WOODWARD INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>980745103</cusip>
                <value>12</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>300</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>300</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>XYLEM INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>98419M100</cusip>
                <value>38</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1051</sshPrnamt>
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                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>1051</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>XYLEM INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>98419M100</cusip>
                <value>288</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>7916</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>6524</Sole>
                        <Shared>0</Shared>
                        <None>1392</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>YUM! BRANDS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>988498101</cusip>
                <value>458</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>6079</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>5919</Sole>
                        <Shared>0</Shared>
                        <None>160</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>YUM! BRANDS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>988498101</cusip>
                <value>295</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3909</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>570</Sole>
                        <Shared>0</Shared>
                        <None>3339</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ZIMMER HOLDINGS, INC.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>98956P102</cusip>
                <value>3453</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>36505</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>36065</Sole>
                        <Shared>0</Shared>
                        <None>440</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ZIMMER HOLDINGS, INC.</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>98956P102</cusip>
                <value>1526</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>16139</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>4400</Sole>
                        <Shared>0</Shared>
                        <None>11739</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>ZOETIS INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>98978V103</cusip>
                <value>29</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1000</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>1000</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ZOETIS INC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>98978V103</cusip>
                <value>1385</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>47843</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>47843</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>ZYGO CORP</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>989855101</cusip>
                <value>213</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>14000</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>14000</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>KENNEDY HARDWARE CO INC.</nameOfIssuer>
                <titleOfClass>CLOSELY HELD ST</titleOfClass>
                <cusip>992360107</cusip>
                <value>410</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>139114</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>139114</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>SANTANDER FIN PFD SA UNI</nameOfIssuer>
                <titleOfClass>PREFERRED STOCK</titleOfClass>
                <cusip>E8683R144</cusip>
                <value>261</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>10000</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>10000</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ACTAVIS PLC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>G0083B108</cusip>
                <value>2816</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>13680</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>13560</Sole>
                        <Shared>0</Shared>
                        <None>120</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ACTAVIS PLC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>G0083B108</cusip>
                <value>8</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>40</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>40</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ACTAVIS PLC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>G0083B108</cusip>
                <value>372</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1805</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>1295</Sole>
                        <Shared>0</Shared>
                        <None>510</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ALLEGION PUBLIC LIMITED CO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>G0176J109</cusip>
                <value>331</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>6346</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>6346</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ALLEGION PUBLIC LIMITED CO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>G0176J109</cusip>
                <value>52</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>ALLEGION PUBLIC LIMITED CO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>G0176J109</cusip>
                <value>81</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1557</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>1000</Sole>
                        <Shared>0</Shared>
                        <None>557</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ACCENTURE PLC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>G1151C101</cusip>
                <value>5730</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>71880</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>71520</Sole>
                        <Shared>0</Shared>
                        <None>360</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ACCENTURE PLC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>G1151C101</cusip>
                <value>10</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>120</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>120</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ACCENTURE PLC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>G1151C101</cusip>
                <value>772</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>9684</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>6568</Sole>
                        <Shared>0</Shared>
                        <None>3116</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>COVIDIEN PLC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>G2554F113</cusip>
                <value>4785</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>64956</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>62926</Sole>
                        <Shared>0</Shared>
                        <None>2030</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>COVIDIEN PLC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>G2554F113</cusip>
                <value>84</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1140</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>140</Sole>
                        <Shared>0</Shared>
                        <None>1000</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>COVIDIEN PLC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>G2554F113</cusip>
                <value>4892</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>66412</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>3520</Sole>
                        <Shared>0</Shared>
                        <None>62892</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>DELPHI AUTOMOTIVE</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>G27823106</cusip>
                <value>4</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>65</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>65</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>DELPHI AUTOMOTIVE</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>G27823106</cusip>
                <value>6834</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>100700</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>100700</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>G29183103</cusip>
                <value>9517</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>126685</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>123365</Sole>
                        <Shared>0</Shared>
                        <None>3320</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>G29183103</cusip>
                <value>236</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3140</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>140</Sole>
                        <Shared>0</Shared>
                        <None>3000</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>G29183103</cusip>
                <value>2421</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>32227</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>13533</Sole>
                        <Shared>0</Shared>
                        <None>18694</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ENDURANCE SPECIALTY HOLDINGS</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>G30397106</cusip>
                <value>242</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>4500</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>3000</Sole>
                        <Shared>0</Shared>
                        <None>1500</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ENSCO PLC-CL A</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>G3157S106</cusip>
                <value>7135</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>135190</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>132770</Sole>
                        <Shared>0</Shared>
                        <None>2420</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ENSCO PLC-CL A</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>G3157S106</cusip>
                <value>52</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>990</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>990</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ENSCO PLC-CL A</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>G3157S106</cusip>
                <value>3509</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>66487</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>14945</Sole>
                        <Shared>0</Shared>
                        <None>51542</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>INGERSOLL-RAND</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>G47791101</cusip>
                <value>1119</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>19546</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>19546</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>INGERSOLL-RAND</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>G47791101</cusip>
                <value>172</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>3000</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>3000</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>INGERSOLL-RAND</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>G47791101</cusip>
                <value>268</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>4676</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>3001</Sole>
                        <Shared>0</Shared>
                        <None>1675</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>INVESCO LTD</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>G491BT108</cusip>
                <value>5979</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>161596</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>159596</Sole>
                        <Shared>0</Shared>
                        <None>2000</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>INVESCO LTD</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>G491BT108</cusip>
                <value>11</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>290</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>290</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>INVESCO LTD</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>G491BT108</cusip>
                <value>10267</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>277498</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>10442</Sole>
                        <Shared>0</Shared>
                        <None>267056</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SEADRILL LTD</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>G7945E105</cusip>
                <value>57</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1630</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
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                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>1630</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>SEADRILL LTD</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>G7945E105</cusip>
                <value>1028</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>29241</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>1500</Sole>
                        <Shared>0</Shared>
                        <None>27741</None>
                </votingAuthority>
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        <infoTable>
                <nameOfIssuer>ACE LTD</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>H0023R105</cusip>
                <value>3978</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>40161</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>39080</Sole>
                        <Shared>0</Shared>
                        <None>1081</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ACE LTD</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>H0023R105</cusip>
                <value>7</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>70</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>DFND</investmentDiscretion>
                <votingAuthority>
                        <Sole>70</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ACE LTD</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>H0023R105</cusip>
                <value>9443</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>95325</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>1885</Sole>
                        <Shared>0</Shared>
                        <None>93440</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>ALLIED WORLD ASSURANCE CO</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>H01531104</cusip>
                <value>676</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>6550</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>6550</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>WEATHERFORD INTL</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>H27013103</cusip>
                <value>104</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>WEATHERFORD INTL</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>H27013103</cusip>
                <value>516</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>29745</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>29745</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>TYCO INTL</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>H89128104</cusip>
                <value>4</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>95</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>95</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>TYCO INTL</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>H89128104</cusip>
                <value>544</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>12825</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>775</Sole>
                        <Shared>0</Shared>
                        <None>12050</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>LYONDELLBASELL INDUSTRIES NV</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>N53745100</cusip>
                <value>89</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>1000</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>SOLE</investmentDiscretion>
                <votingAuthority>
                        <Sole>1000</Sole>
                        <Shared>0</Shared>
                        <None>0</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>LYONDELLBASELL INDUSTRIES NV</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>N53745100</cusip>
                <value>858</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>9650</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>9650</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>VITAL SPRINGS TECHNOLOGIES</nameOfIssuer>
                <titleOfClass>PREFERRED STOCK</titleOfClass>
                <cusip>PS0000010</cusip>
                <value>35</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>350000</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>350000</None>
                </votingAuthority>
        </infoTable>
        <infoTable>
                <nameOfIssuer>AVAGO TECHNOLOGIES LTD</nameOfIssuer>
                <titleOfClass>COMMON STOCK</titleOfClass>
                <cusip>Y0486S104</cusip>
                <value>3568</value>
                <shrsOrPrnAmt>
                        <sshPrnamt>55400</sshPrnamt>
                        <sshPrnamtType>SH</sshPrnamtType>
                </shrsOrPrnAmt>
                <investmentDiscretion>OTR</investmentDiscretion>
                <votingAuthority>
                        <Sole>0</Sole>
                        <Shared>0</Shared>
                        <None>55400</None>
                </votingAuthority>
        </infoTable>
</informationTable>
