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	<infoTable>
		<nameOfIssuer>AAON INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>000360206</cusip>
		<value>2096875</value>
		<shrsOrPrnAmt>
			<sshPrnamt>27500</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>27500</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AFLAC INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>001055102</cusip>
		<value>57782</value>
		<shrsOrPrnAmt>
			<sshPrnamt>524</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>524</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AFLAC INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>001055102</cusip>
		<value>944573</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8566</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>326</Sole>
			<Shared>0</Shared>
			<None>8240</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ALPS</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>00162Q452</cusip>
		<value>93287</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1984</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1798</Sole>
			<Shared>0</Shared>
			<None>186</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ALPS</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>00162Q452</cusip>
		<value>160903</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3422</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2714</Sole>
			<Shared>0</Shared>
			<None>708</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AT&amp;T INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>00206R102</cusip>
		<value>2170044</value>
		<shrsOrPrnAmt>
			<sshPrnamt>87361</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>86236</Sole>
			<Shared>0</Shared>
			<None>1125</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AT&amp;T INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>00206R102</cusip>
		<value>47246</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1902</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1902</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AT&amp;T INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>00206R102</cusip>
		<value>2595236</value>
		<shrsOrPrnAmt>
			<sshPrnamt>104478</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>95368</Sole>
			<Shared>0</Shared>
			<None>9110</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ABBOTT LABORATORIES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>002824100</cusip>
		<value>3266942</value>
		<shrsOrPrnAmt>
			<sshPrnamt>26075</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>26011</Sole>
			<Shared>0</Shared>
			<None>64</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ABBOTT LABORATORIES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>002824100</cusip>
		<value>81439</value>
		<shrsOrPrnAmt>
			<sshPrnamt>650</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>650</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ABBOTT LABORATORIES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>002824100</cusip>
		<value>2253970</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17990</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>16264</Sole>
			<Shared>0</Shared>
			<None>1726</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ABBVIE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>00287Y109</cusip>
		<value>6726979</value>
		<shrsOrPrnAmt>
			<sshPrnamt>29441</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>29405</Sole>
			<Shared>0</Shared>
			<None>36</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ABBVIE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>00287Y109</cusip>
		<value>54838</value>
		<shrsOrPrnAmt>
			<sshPrnamt>240</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>240</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ABBVIE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>00287Y109</cusip>
		<value>11973108</value>
		<shrsOrPrnAmt>
			<sshPrnamt>52401</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>16586</Sole>
			<Shared>0</Shared>
			<None>35815</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ABERCROMBIE &amp; FITCH CO- CL A</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>002896207</cusip>
		<value>2517400</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>ABERDEEN</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>00301W105</cusip>
		<value>103600</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14800</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>14800</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ABRDN</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>00326W106</cusip>
		<value>201240</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4000</Sole>
			<Shared>0</Shared>
			<None>5000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ABIVAX SA-ADR</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>00370M103</cusip>
		<value>674275</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>5000</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ACADIA PHARMACEUTICALS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>004225108</cusip>
		<value>2088722</value>
		<shrsOrPrnAmt>
			<sshPrnamt>78200</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>78200</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ACUSHNET HOLDINGS CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>005098108</cusip>
		<value>731071</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9159</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>9159</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ADAMS</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>006212104</cusip>
		<value>260298</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11162</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>11162</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ADAMS</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>006212104</cusip>
		<value>237958</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10204</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3204</Sole>
			<Shared>0</Shared>
			<None>7000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ADOBE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>00724F101</cusip>
		<value>191447</value>
		<shrsOrPrnAmt>
			<sshPrnamt>547</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>539</Sole>
			<Shared>0</Shared>
			<None>8</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ADOBE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>00724F101</cusip>
		<value>10500</value>
		<shrsOrPrnAmt>
			<sshPrnamt>30</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>30</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ADOBE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>00724F101</cusip>
		<value>5950</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>17</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ADVANCE AUTO PARTS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>00751Y106</cusip>
		<value>860670</value>
		<shrsOrPrnAmt>
			<sshPrnamt>21900</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>500</Sole>
			<Shared>0</Shared>
			<None>21400</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ADVANCED ENGINE TECHNOLOGIES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>00758C107</cusip>
		<value>1</value>
		<shrsOrPrnAmt>
			<sshPrnamt>71800</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>71800</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ADVANCED MICRO DEVICES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>007903107</cusip>
		<value>17581902</value>
		<shrsOrPrnAmt>
			<sshPrnamt>82097</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>81670</Sole>
			<Shared>0</Shared>
			<None>427</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ADVANCED MICRO DEVICES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>007903107</cusip>
		<value>56752</value>
		<shrsOrPrnAmt>
			<sshPrnamt>265</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>265</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ADVANCED MICRO DEVICES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>007903107</cusip>
		<value>13411343</value>
		<shrsOrPrnAmt>
			<sshPrnamt>62623</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>25358</Sole>
			<Shared>0</Shared>
			<None>37265</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AGILENT TECHNOLOGIES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>00846U101</cusip>
		<value>253362</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1862</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1862</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AGILENT TECHNOLOGIES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>00846U101</cusip>
		<value>32385</value>
		<shrsOrPrnAmt>
			<sshPrnamt>238</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>238</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AIR PRODUCTS &amp; CHEMICALS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>009158106</cusip>
		<value>425366</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1722</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1722</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AIR PRODUCTS &amp; CHEMICALS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>009158106</cusip>
		<value>1411225</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5713</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>5670</Sole>
			<Shared>0</Shared>
			<None>43</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ALIBABA GROUP HOLDING LTD</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>01609W102</cusip>
		<value>17444</value>
		<shrsOrPrnAmt>
			<sshPrnamt>119</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>25</Sole>
			<Shared>0</Shared>
			<None>94</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ALIBABA GROUP HOLDING LTD</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>01609W102</cusip>
		<value>29316</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>ALIBABA GROUP HOLDING LTD</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>01609W102</cusip>
		<value>536044</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3657</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3632</Sole>
			<Shared>0</Shared>
			<None>25</None>
		</votingAuthority>
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		<nameOfIssuer>ALLSTATE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>020002101</cusip>
		<value>1007863</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4842</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4842</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ALLSTATE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>020002101</cusip>
		<value>765576</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3678</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3150</Sole>
			<Shared>0</Shared>
			<None>528</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ALPHABET INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>02079K107</cusip>
		<value>10521711</value>
		<shrsOrPrnAmt>
			<sshPrnamt>33530</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>33530</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ALPHABET INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>02079K107</cusip>
		<value>15606215</value>
		<shrsOrPrnAmt>
			<sshPrnamt>49733</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>32521</Sole>
			<Shared>0</Shared>
			<None>17212</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ALPHABET INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>02079K305</cusip>
		<value>61932058</value>
		<shrsOrPrnAmt>
			<sshPrnamt>197866</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>193727</Sole>
			<Shared>0</Shared>
			<None>4139</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ALPHABET INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>02079K305</cusip>
		<value>1059505</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3385</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1065</Sole>
			<Shared>0</Shared>
			<None>2320</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ALPHABET INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>02079K305</cusip>
		<value>47009157</value>
		<shrsOrPrnAmt>
			<sshPrnamt>150189</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>56895</Sole>
			<Shared>0</Shared>
			<None>93294</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ALTRIA GROUP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>02209S103</cusip>
		<value>695439</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12061</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>11861</Sole>
			<Shared>0</Shared>
			<None>200</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ALTRIA GROUP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>02209S103</cusip>
		<value>1842758</value>
		<shrsOrPrnAmt>
			<sshPrnamt>31959</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>22564</Sole>
			<Shared>0</Shared>
			<None>9395</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>AMAZON.COM</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>023135106</cusip>
		<value>52440245</value>
		<shrsOrPrnAmt>
			<sshPrnamt>227191</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>221461</Sole>
			<Shared>0</Shared>
			<None>5730</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>AMAZON.COM</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>023135106</cusip>
		<value>1647362</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7137</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>687</Sole>
			<Shared>0</Shared>
			<None>6450</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>AMAZON.COM</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>023135106</cusip>
		<value>37664977</value>
		<shrsOrPrnAmt>
			<sshPrnamt>163179</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>69546</Sole>
			<Shared>0</Shared>
			<None>93633</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AMERICAN ELECTRIC POWER</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>025537101</cusip>
		<value>3598374</value>
		<shrsOrPrnAmt>
			<sshPrnamt>31206</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>30906</Sole>
			<Shared>0</Shared>
			<None>300</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AMERICAN ELECTRIC POWER</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>025537101</cusip>
		<value>852718</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7395</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>395</Sole>
			<Shared>0</Shared>
			<None>7000</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>AMERICAN ELECTRIC POWER</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>025537101</cusip>
		<value>3200199</value>
		<shrsOrPrnAmt>
			<sshPrnamt>27753</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>25742</Sole>
			<Shared>0</Shared>
			<None>2011</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>025816109</cusip>
		<value>3478653</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9403</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>9403</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>025816109</cusip>
		<value>70292</value>
		<shrsOrPrnAmt>
			<sshPrnamt>190</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>190</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>025816109</cusip>
		<value>821660</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2221</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1671</Sole>
			<Shared>0</Shared>
			<None>550</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>AMERICAN TOWER CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>03027X100</cusip>
		<value>265816</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1514</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1514</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AMERICAN TOWER CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>03027X100</cusip>
		<value>3660986</value>
		<shrsOrPrnAmt>
			<sshPrnamt>20852</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>917</Sole>
			<Shared>0</Shared>
			<None>19935</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>AMERICAN WATER WORKS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>030420103</cusip>
		<value>8049344</value>
		<shrsOrPrnAmt>
			<sshPrnamt>61680</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>61438</Sole>
			<Shared>0</Shared>
			<None>242</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>AMERICAN WATER WORKS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>030420103</cusip>
		<value>3819614</value>
		<shrsOrPrnAmt>
			<sshPrnamt>29269</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4248</Sole>
			<Shared>0</Shared>
			<None>25021</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>CENCORA INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>03073E105</cusip>
		<value>448195</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1327</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1327</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CENCORA INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>03073E105</cusip>
		<value>32086</value>
		<shrsOrPrnAmt>
			<sshPrnamt>95</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>95</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CENCORA INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>03073E105</cusip>
		<value>200961</value>
		<shrsOrPrnAmt>
			<sshPrnamt>595</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>595</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>AMERIPRISE FINANCIAL INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>03076C106</cusip>
		<value>74532</value>
		<shrsOrPrnAmt>
			<sshPrnamt>152</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>152</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>AMERIPRISE FINANCIAL INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>03076C106</cusip>
		<value>562911</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1148</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>563</Sole>
			<Shared>0</Shared>
			<None>585</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>AMERIS BANCORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>03076K108</cusip>
		<value>2066711</value>
		<shrsOrPrnAmt>
			<sshPrnamt>27827</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>27827</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AMGEN INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>031162100</cusip>
		<value>15410101</value>
		<shrsOrPrnAmt>
			<sshPrnamt>47081</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>46810</Sole>
			<Shared>0</Shared>
			<None>271</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AMGEN INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>031162100</cusip>
		<value>32731</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>AMGEN INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>031162100</cusip>
		<value>11485312</value>
		<shrsOrPrnAmt>
			<sshPrnamt>35090</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>15039</Sole>
			<Shared>0</Shared>
			<None>20051</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AMPHENOL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>032095101</cusip>
		<value>2446575</value>
		<shrsOrPrnAmt>
			<sshPrnamt>18104</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>17104</Sole>
			<Shared>0</Shared>
			<None>1000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AMPHENOL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>032095101</cusip>
		<value>33785</value>
		<shrsOrPrnAmt>
			<sshPrnamt>250</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>250</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AMPHENOL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>032095101</cusip>
		<value>3032137</value>
		<shrsOrPrnAmt>
			<sshPrnamt>22437</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>21668</Sole>
			<Shared>0</Shared>
			<None>769</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ANALOG DEVICES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>032654105</cusip>
		<value>496568</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1831</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1831</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ANALOG DEVICES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>032654105</cusip>
		<value>20611</value>
		<shrsOrPrnAmt>
			<sshPrnamt>76</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>76</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ANALOG DEVICES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>032654105</cusip>
		<value>767225</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2829</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2629</Sole>
			<Shared>0</Shared>
			<None>200</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ANNALY CAPITAL MGMT</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>035710839</cusip>
		<value>422603</value>
		<shrsOrPrnAmt>
			<sshPrnamt>18900</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>5725</Sole>
			<Shared>0</Shared>
			<None>13175</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ELEVANCE HEALTH INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>036752103</cusip>
		<value>147232</value>
		<shrsOrPrnAmt>
			<sshPrnamt>420</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>420</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ELEVANCE HEALTH INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>036752103</cusip>
		<value>289906</value>
		<shrsOrPrnAmt>
			<sshPrnamt>827</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>627</Sole>
			<Shared>0</Shared>
			<None>200</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>APOLLO GLOBAL MANAGEMENT INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>03769M106</cusip>
		<value>7672</value>
		<shrsOrPrnAmt>
			<sshPrnamt>53</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>53</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>APOLLO GLOBAL MANAGEMENT INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>03769M106</cusip>
		<value>4632320</value>
		<shrsOrPrnAmt>
			<sshPrnamt>32000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>32000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>APPLE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>037833100</cusip>
		<value>114799169</value>
		<shrsOrPrnAmt>
			<sshPrnamt>422274</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>418002</Sole>
			<Shared>0</Shared>
			<None>4272</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>APPLE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>037833100</cusip>
		<value>3647273</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13416</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2561</Sole>
			<Shared>0</Shared>
			<None>10855</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>APPLE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>037833100</cusip>
		<value>105075529</value>
		<shrsOrPrnAmt>
			<sshPrnamt>386506</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>220250</Sole>
			<Shared>0</Shared>
			<None>166256</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>APPLIED INDUSTRIAL TECHNOLOGIES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>03820C105</cusip>
		<value>3082524</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12005</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>12005</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>APPLIED MATERIALS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>038222105</cusip>
		<value>768403</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2990</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2990</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>APPLIED MATERIALS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>038222105</cusip>
		<value>1112510</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4329</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3329</Sole>
			<Shared>0</Shared>
			<None>1000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>APPLOVIN CORP-CLASS A</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>03831W108</cusip>
		<value>218317</value>
		<shrsOrPrnAmt>
			<sshPrnamt>324</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>324</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>APPLOVIN CORP-CLASS A</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>03831W108</cusip>
		<value>147567</value>
		<shrsOrPrnAmt>
			<sshPrnamt>219</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>29</Sole>
			<Shared>0</Shared>
			<None>190</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ARCHER DANIELS </nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>039483102</cusip>
		<value>110669</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1925</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1925</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ARCHER DANIELS </nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>039483102</cusip>
		<value>136596</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2376</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2376</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ARCUTIS BIOTHERAPEUTICS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>03969K108</cusip>
		<value>1408440</value>
		<shrsOrPrnAmt>
			<sshPrnamt>48500</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>48500</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ARGAN INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>04010E109</cusip>
		<value>57964</value>
		<shrsOrPrnAmt>
			<sshPrnamt>185</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>185</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ARGAN INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>04010E109</cusip>
		<value>2161908</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6900</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>6900</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ARMSTRONG WORLD INDUSTRIES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>04247X102</cusip>
		<value>1681107</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8797</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>8797</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ARTISAN PARTNERS ASSET MGMT</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>04316A108</cusip>
		<value>412737</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10131</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>120</Sole>
			<Shared>0</Shared>
			<None>10011</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ASANA INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>04342Y104</cusip>
		<value>1007685</value>
		<shrsOrPrnAmt>
			<sshPrnamt>73500</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>73500</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ASTRAZENECA</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>046353108</cusip>
		<value>10531871</value>
		<shrsOrPrnAmt>
			<sshPrnamt>114564</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>114034</Sole>
			<Shared>0</Shared>
			<None>530</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ASTRAZENECA</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>046353108</cusip>
		<value>34014</value>
		<shrsOrPrnAmt>
			<sshPrnamt>370</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>370</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ASTRAZENECA</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>046353108</cusip>
		<value>977031</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10628</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>8807</Sole>
			<Shared>0</Shared>
			<None>1821</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ATLANTIC UNION BANKSHARES CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>04911A107</cusip>
		<value>2213310</value>
		<shrsOrPrnAmt>
			<sshPrnamt>62700</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>62700</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ATMOS ENERGY CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>049560105</cusip>
		<value>283967</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1694</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1694</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ATMOS ENERGY CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>049560105</cusip>
		<value>53642</value>
		<shrsOrPrnAmt>
			<sshPrnamt>320</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>320</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ATMUS FILTRATION TECHNOLOGIES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>04956D107</cusip>
		<value>2512444</value>
		<shrsOrPrnAmt>
			<sshPrnamt>48400</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>48400</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AUTOMATIC DATA PROCESSING</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>053015103</cusip>
		<value>436518</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1697</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1697</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AUTOMATIC DATA PROCESSING</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>053015103</cusip>
		<value>32154</value>
		<shrsOrPrnAmt>
			<sshPrnamt>125</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>125</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AUTOMATIC DATA PROCESSING</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>053015103</cusip>
		<value>1357146</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5276</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>5076</Sole>
			<Shared>0</Shared>
			<None>200</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AUTOZONE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>053332102</cusip>
		<value>1682212</value>
		<shrsOrPrnAmt>
			<sshPrnamt>496</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>496</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AUTOZONE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>053332102</cusip>
		<value>30524</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>9</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AVISTA CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>05379B107</cusip>
		<value>1557016</value>
		<shrsOrPrnAmt>
			<sshPrnamt>40400</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>40400</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AXON ENTERPRISE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>05464C101</cusip>
		<value>8519</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>15</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AXON ENTERPRISE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>05464C101</cusip>
		<value>221492</value>
		<shrsOrPrnAmt>
			<sshPrnamt>390</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>225</Sole>
			<Shared>0</Shared>
			<None>165</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AXSOME THERAPEUTICS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>05464T104</cusip>
		<value>1607232</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8800</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>8800</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BP PLC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>055622104</cusip>
		<value>426903</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12292</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>12292</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BP PLC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>055622104</cusip>
		<value>360880</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10391</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>7441</Sole>
			<Shared>0</Shared>
			<None>2950</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BAIDU INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>056752108</cusip>
		<value>243681</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1865</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1865</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BANCFIRST CORP.</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>05945F103</cusip>
		<value>451645</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4260</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>4260</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BANK OF AMERICA</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>060505104</cusip>
		<value>11984060</value>
		<shrsOrPrnAmt>
			<sshPrnamt>217892</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>216946</Sole>
			<Shared>0</Shared>
			<None>946</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BANK OF AMERICA</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>060505104</cusip>
		<value>39545</value>
		<shrsOrPrnAmt>
			<sshPrnamt>719</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>719</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BANK OF AMERICA</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>060505104</cusip>
		<value>6595105</value>
		<shrsOrPrnAmt>
			<sshPrnamt>119911</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>26053</Sole>
			<Shared>0</Shared>
			<None>93858</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BANK OF AMERICA</nameOfIssuer>
		<titleOfClass>PREFERRED STOCK</titleOfClass>
		<cusip>060505633</cusip>
		<value>63826</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3450</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3450</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BANK OF AMERICA</nameOfIssuer>
		<titleOfClass>PREFERRED STOCK</titleOfClass>
		<cusip>060505633</cusip>
		<value>143838</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7775</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>7775</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>540747</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4658</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4622</Sole>
			<Shared>0</Shared>
			<None>36</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BANK OF NY MELLON CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>064058100</cusip>
		<value>40051</value>
		<shrsOrPrnAmt>
			<sshPrnamt>345</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>345</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>687252</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5920</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1840</Sole>
			<Shared>0</Shared>
			<None>4080</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BANNER CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>06652V208</cusip>
		<value>1389110</value>
		<shrsOrPrnAmt>
			<sshPrnamt>22169</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>22169</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BARCLAYS PLC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>06738E204</cusip>
		<value>203600</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>8000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BEAZER HOMES USA INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>07556Q881</cusip>
		<value>1347955</value>
		<shrsOrPrnAmt>
			<sshPrnamt>66500</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>66500</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BELDEN INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>077454106</cusip>
		<value>1165500</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>BELLRING BRANDS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>07831C103</cusip>
		<value>15236</value>
		<shrsOrPrnAmt>
			<sshPrnamt>570</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>570</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BELLRING BRANDS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>07831C103</cusip>
		<value>882143</value>
		<shrsOrPrnAmt>
			<sshPrnamt>33002</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2</Sole>
			<Shared>0</Shared>
			<None>33000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WR BERKLEY CORP.</nameOfIssuer>
		<titleOfClass>PREFERRED STOCK</titleOfClass>
		<cusip>084423870</cusip>
		<value>163100</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>BERKSHIRE HATHAWAY INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>084670108</cusip>
		<value>3019200</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BERKSHIRE HATHAWAY INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>084670702</cusip>
		<value>8195238</value>
		<shrsOrPrnAmt>
			<sshPrnamt>16304</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>14319</Sole>
			<Shared>0</Shared>
			<None>1985</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BERKSHIRE HATHAWAY INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>084670702</cusip>
		<value>135213</value>
		<shrsOrPrnAmt>
			<sshPrnamt>269</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>169</Sole>
			<Shared>0</Shared>
			<None>100</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>BERKSHIRE HATHAWAY INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>084670702</cusip>
		<value>7232633</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14389</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>12439</Sole>
			<Shared>0</Shared>
			<None>1950</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>BHP BILLITON LIMITED -ADR</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>088606108</cusip>
		<value>210812</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3492</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3492</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BHP BILLITON LIMITED -ADR</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>088606108</cusip>
		<value>78481</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1300</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1300</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BIOMARIN PHARMACEUTICAL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>09061G101</cusip>
		<value>2080050</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>BLACKLINE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>09239B109</cusip>
		<value>1824570</value>
		<shrsOrPrnAmt>
			<sshPrnamt>33000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>33000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BLACKROCK</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>09248F109</cusip>
		<value>296067</value>
		<shrsOrPrnAmt>
			<sshPrnamt>29518</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>29518</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>BLACKROCK</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>09253N104</cusip>
		<value>256496</value>
		<shrsOrPrnAmt>
			<sshPrnamt>21848</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>21848</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BLACKROCK</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>09253N104</cusip>
		<value>54591</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4650</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4650</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>THE BLACKSTONE GROUP INC A</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>09260D107</cusip>
		<value>163233</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1059</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1059</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>THE BLACKSTONE GROUP INC A</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>09260D107</cusip>
		<value>200382</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1300</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1300</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BLACKROCK INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>09290D101</cusip>
		<value>7262249</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6785</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6760</Sole>
			<Shared>0</Shared>
			<None>25</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BLACKROCK INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>09290D101</cusip>
		<value>10703</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>10</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BLACKROCK INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>09290D101</cusip>
		<value>8126020</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7592</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>887</Sole>
			<Shared>0</Shared>
			<None>6705</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BLOOM ENERGY CORP-A</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>093712107</cusip>
		<value>4634017</value>
		<shrsOrPrnAmt>
			<sshPrnamt>53332</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>232</Sole>
			<Shared>0</Shared>
			<None>53100</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BOEING</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>097023105</cusip>
		<value>1824678</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8404</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>8404</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BOEING</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>097023105</cusip>
		<value>10205</value>
		<shrsOrPrnAmt>
			<sshPrnamt>47</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>47</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BOEING</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>097023105</cusip>
		<value>2688817</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12384</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>12241</Sole>
			<Shared>0</Shared>
			<None>143</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BOOKING HOLDINGS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>09857L108</cusip>
		<value>2051086</value>
		<shrsOrPrnAmt>
			<sshPrnamt>383</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>383</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BOOKING HOLDINGS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>09857L108</cusip>
		<value>32131</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>6</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BOSTON SCIENTIFIC CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>101137107</cusip>
		<value>945690</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9918</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>9918</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BOSTON SCIENTIFIC CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>101137107</cusip>
		<value>19070</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>BOSTON SCIENTIFIC CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>101137107</cusip>
		<value>28605</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>BOX INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>10316T104</cusip>
		<value>2430307</value>
		<shrsOrPrnAmt>
			<sshPrnamt>81254</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>81254</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BRISTOL-MYERS SQUIBB</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>110122108</cusip>
		<value>5955037</value>
		<shrsOrPrnAmt>
			<sshPrnamt>110401</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>110401</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BRISTOL-MYERS SQUIBB</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>110122108</cusip>
		<value>117050</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2170</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>170</Sole>
			<Shared>0</Shared>
			<None>2000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BRISTOL-MYERS SQUIBB</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>110122108</cusip>
		<value>6483699</value>
		<shrsOrPrnAmt>
			<sshPrnamt>120202</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>114326</Sole>
			<Shared>0</Shared>
			<None>5876</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BROADSTONE NET LEASE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>11135E203</cusip>
		<value>1059570</value>
		<shrsOrPrnAmt>
			<sshPrnamt>61000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>61000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BROADCOM INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>11135F101</cusip>
		<value>69450893</value>
		<shrsOrPrnAmt>
			<sshPrnamt>200667</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>200316</Sole>
			<Shared>0</Shared>
			<None>351</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BROADCOM INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>11135F101</cusip>
		<value>3649625</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10545</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>420</Sole>
			<Shared>0</Shared>
			<None>10125</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BROADCOM INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>11135F101</cusip>
		<value>44903022</value>
		<shrsOrPrnAmt>
			<sshPrnamt>129740</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>82619</Sole>
			<Shared>0</Shared>
			<None>47121</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AZENTA INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>114340102</cusip>
		<value>1320422</value>
		<shrsOrPrnAmt>
			<sshPrnamt>39700</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>39700</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>B2GOLD CORP</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>11777Q209</cusip>
		<value>46904</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10400</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>10400</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CB FINANCIAL SERVICES INC.</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>12479G101</cusip>
		<value>194798</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5588</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5588</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CB FINANCIAL SERVICES INC.</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>12479G101</cusip>
		<value>269084</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7719</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>7719</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CF INDUSTRIES HLDGS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>125269100</cusip>
		<value>12374</value>
		<shrsOrPrnAmt>
			<sshPrnamt>160</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>160</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CF INDUSTRIES HLDGS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>125269100</cusip>
		<value>209359</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2707</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>72</Sole>
			<Shared>0</Shared>
			<None>2635</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>THE CIGNA GROUP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>125523100</cusip>
		<value>686150</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2493</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2493</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>THE CIGNA GROUP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>125523100</cusip>
		<value>137615</value>
		<shrsOrPrnAmt>
			<sshPrnamt>500</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>500</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>THE CIGNA GROUP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>125523100</cusip>
		<value>807525</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2934</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1627</Sole>
			<Shared>0</Shared>
			<None>1307</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CME GROUP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>12572Q105</cusip>
		<value>368114</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1348</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1348</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CME GROUP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>12572Q105</cusip>
		<value>28673</value>
		<shrsOrPrnAmt>
			<sshPrnamt>105</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>51</Sole>
			<Shared>0</Shared>
			<None>54</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CSX CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>126408103</cusip>
		<value>1349845</value>
		<shrsOrPrnAmt>
			<sshPrnamt>37237</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>35887</Sole>
			<Shared>0</Shared>
			<None>1350</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CSX CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>126408103</cusip>
		<value>709342</value>
		<shrsOrPrnAmt>
			<sshPrnamt>19568</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>19568</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>126650100</cusip>
		<value>1531726</value>
		<shrsOrPrnAmt>
			<sshPrnamt>19301</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>19301</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>126650100</cusip>
		<value>1199371</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15113</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>14116</Sole>
			<Shared>0</Shared>
			<None>997</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CADENCE DESIGN SYSTEMS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>127387108</cusip>
		<value>13753</value>
		<shrsOrPrnAmt>
			<sshPrnamt>44</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>44</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CADENCE DESIGN SYSTEMS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>127387108</cusip>
		<value>608281</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1946</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1917</Sole>
			<Shared>0</Shared>
			<None>29</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CADENCE BANK</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>12740C103</cusip>
		<value>2005597</value>
		<shrsOrPrnAmt>
			<sshPrnamt>46816</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>46816</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CAMECO CORP</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>13321L108</cusip>
		<value>274470</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3000</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CANADIAN NAT&apos;L RAILWAY CO</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>136375102</cusip>
		<value>152229</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1540</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1540</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CANADIAN NAT&apos;L RAILWAY CO</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>136375102</cusip>
		<value>57531</value>
		<shrsOrPrnAmt>
			<sshPrnamt>582</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>582</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CANADIAN PACIFIC KANSAS CITY</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>13646K108</cusip>
		<value>421973</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5731</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5731</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CANADIAN PACIFIC KANSAS CITY</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>13646K108</cusip>
		<value>116261</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1579</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>858</Sole>
			<Shared>0</Shared>
			<None>721</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CANNABIS SCIENCE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>137648101</cusip>
		<value>75</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>15000</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CITIZENS BANCSHARES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>140000993</cusip>
		<value>293993</value>
		<shrsOrPrnAmt>
			<sshPrnamt>750</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>750</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CAPITAL ONE FINANCIAL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>14040H105</cusip>
		<value>395533</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1632</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1632</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CAPITAL ONE FINANCIAL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>14040H105</cusip>
		<value>422433</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1743</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1591</Sole>
			<Shared>0</Shared>
			<None>152</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CARDINAL HEALTH</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>14149Y108</cusip>
		<value>979013</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4764</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4630</Sole>
			<Shared>0</Shared>
			<None>134</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CARDINAL HEALTH</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>14149Y108</cusip>
		<value>20550</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>CARDINAL HEALTH</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>14149Y108</cusip>
		<value>540054</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2628</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2442</Sole>
			<Shared>0</Shared>
			<None>186</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CARLSMED INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>14280C105</cusip>
		<value>456950</value>
		<shrsOrPrnAmt>
			<sshPrnamt>37000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>37000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CARLYLE GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>14316J108</cusip>
		<value>8309630</value>
		<shrsOrPrnAmt>
			<sshPrnamt>140579</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>139898</Sole>
			<Shared>0</Shared>
			<None>681</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CARLYLE GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>14316J108</cusip>
		<value>1030820</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17439</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>13965</Sole>
			<Shared>0</Shared>
			<None>3474</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CARRIER GLOBAL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>14448C104</cusip>
		<value>8120079</value>
		<shrsOrPrnAmt>
			<sshPrnamt>153673</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>152894</Sole>
			<Shared>0</Shared>
			<None>779</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CARRIER GLOBAL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>14448C104</cusip>
		<value>31915</value>
		<shrsOrPrnAmt>
			<sshPrnamt>604</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>604</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CARRIER GLOBAL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>14448C104</cusip>
		<value>2498379</value>
		<shrsOrPrnAmt>
			<sshPrnamt>47282</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>34739</Sole>
			<Shared>0</Shared>
			<None>12543</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CATALYST PHARMACEUTICALS, INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>14888U101</cusip>
		<value>1307040</value>
		<shrsOrPrnAmt>
			<sshPrnamt>56000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>56000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CAVA GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>148929102</cusip>
		<value>2647212</value>
		<shrsOrPrnAmt>
			<sshPrnamt>45105</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>105</Sole>
			<Shared>0</Shared>
			<None>45000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>149123101</cusip>
		<value>5937228</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10364</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10340</Sole>
			<Shared>0</Shared>
			<None>24</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>149123101</cusip>
		<value>6036334</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10537</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4680</Sole>
			<Shared>0</Shared>
			<None>5857</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CELSIUS HOLDINGS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>15118V207</cusip>
		<value>1418260</value>
		<shrsOrPrnAmt>
			<sshPrnamt>31007</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>7</Sole>
			<Shared>0</Shared>
			<None>31000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CENTURI HOLDINGS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>155923105</cusip>
		<value>1969500</value>
		<shrsOrPrnAmt>
			<sshPrnamt>78000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>78000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CG ONCOLOGY INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>156944100</cusip>
		<value>1121040</value>
		<shrsOrPrnAmt>
			<sshPrnamt>27000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>27000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHENIERE ENERGY, INC.</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>16411R208</cusip>
		<value>39850</value>
		<shrsOrPrnAmt>
			<sshPrnamt>205</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>205</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHENIERE ENERGY, INC.</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>16411R208</cusip>
		<value>298972</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1538</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1538</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EXPAND ENERGY CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>165167735</cusip>
		<value>217961</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1975</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1975</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHEVRON CORPORATION</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>166764100</cusip>
		<value>21289138</value>
		<shrsOrPrnAmt>
			<sshPrnamt>139683</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>138580</Sole>
			<Shared>0</Shared>
			<None>1103</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHEVRON CORPORATION</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>166764100</cusip>
		<value>429186</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2816</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>816</Sole>
			<Shared>0</Shared>
			<None>2000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHEVRON CORPORATION</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>166764100</cusip>
		<value>20202870</value>
		<shrsOrPrnAmt>
			<sshPrnamt>132556</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>72437</Sole>
			<Shared>0</Shared>
			<None>60119</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHIPOTLE MEXICAN GRILL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>169656105</cusip>
		<value>4425163</value>
		<shrsOrPrnAmt>
			<sshPrnamt>119599</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>119038</Sole>
			<Shared>0</Shared>
			<None>561</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHIPOTLE MEXICAN GRILL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>169656105</cusip>
		<value>19425</value>
		<shrsOrPrnAmt>
			<sshPrnamt>525</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>525</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHIPOTLE MEXICAN GRILL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>169656105</cusip>
		<value>3104115</value>
		<shrsOrPrnAmt>
			<sshPrnamt>83895</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>7068</Sole>
			<Shared>0</Shared>
			<None>76827</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHURCH &amp; DWIGHT CO INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>171340102</cusip>
		<value>1457234</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17379</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>17379</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHURCH &amp; DWIGHT CO INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>171340102</cusip>
		<value>526076</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6274</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>5474</Sole>
			<Shared>0</Shared>
			<None>800</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>17275R102</cusip>
		<value>17575484</value>
		<shrsOrPrnAmt>
			<sshPrnamt>228164</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>227398</Sole>
			<Shared>0</Shared>
			<None>766</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>17275R102</cusip>
		<value>431907</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5607</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>607</Sole>
			<Shared>0</Shared>
			<None>5000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>17275R102</cusip>
		<value>12462842</value>
		<shrsOrPrnAmt>
			<sshPrnamt>161792</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>119917</Sole>
			<Shared>0</Shared>
			<None>41875</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CITIGROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>172967424</cusip>
		<value>333734</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2860</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2860</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CITIGROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>172967424</cusip>
		<value>794892</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6812</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2142</Sole>
			<Shared>0</Shared>
			<None>4670</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CITIGROUP</nameOfIssuer>
		<titleOfClass>PREFERRED STOCK</titleOfClass>
		<cusip>173080201</cusip>
		<value>286900</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9500</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>9500</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CITY HOLDING COMPANY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>177835105</cusip>
		<value>196084</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1645</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1645</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CITY HOLDING COMPANY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>177835105</cusip>
		<value>65560</value>
		<shrsOrPrnAmt>
			<sshPrnamt>550</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>550</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CLOROX</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>189054109</cusip>
		<value>129566</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1285</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1285</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CLOROX</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>189054109</cusip>
		<value>173025</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1716</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1716</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CLOUDFLARE INC </nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>18915M107</cusip>
		<value>26616</value>
		<shrsOrPrnAmt>
			<sshPrnamt>135</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>135</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CLOUDFLARE INC </nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>18915M107</cusip>
		<value>207008</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1050</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>500</Sole>
			<Shared>0</Shared>
			<None>550</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COCA-COLA CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>191216100</cusip>
		<value>17720514</value>
		<shrsOrPrnAmt>
			<sshPrnamt>253476</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>252204</Sole>
			<Shared>0</Shared>
			<None>1272</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COCA-COLA CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>191216100</cusip>
		<value>360386</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5155</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2155</Sole>
			<Shared>0</Shared>
			<None>3000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COCA-COLA CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>191216100</cusip>
		<value>10956715</value>
		<shrsOrPrnAmt>
			<sshPrnamt>156726</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>153471</Sole>
			<Shared>0</Shared>
			<None>3255</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COGNEX CORP.</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>192422103</cusip>
		<value>683620</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>COLGATE-PALMOLIVE COMPANY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>194162103</cusip>
		<value>592650</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7500</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7500</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COLGATE-PALMOLIVE COMPANY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>194162103</cusip>
		<value>691422</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8750</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>7589</Sole>
			<Shared>0</Shared>
			<None>1161</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COMCAST CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>20030N101</cusip>
		<value>508349</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17007</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>16766</Sole>
			<Shared>0</Shared>
			<None>241</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COMCAST CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>20030N101</cusip>
		<value>59780</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>COMCAST CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>20030N101</cusip>
		<value>1263179</value>
		<shrsOrPrnAmt>
			<sshPrnamt>42261</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>8212</Sole>
			<Shared>0</Shared>
			<None>34049</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COMSTOCK RES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>205768302</cusip>
		<value>2145286</value>
		<shrsOrPrnAmt>
			<sshPrnamt>92549</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>92549</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CONAGRA BRANDS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>205887102</cusip>
		<value>179613</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10376</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10141</Sole>
			<Shared>0</Shared>
			<None>235</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CONAGRA BRANDS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>205887102</cusip>
		<value>145752</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8420</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>7720</Sole>
			<Shared>0</Shared>
			<None>700</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CONCENTRA GROUP HOLDINGS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>20603L102</cusip>
		<value>1307716</value>
		<shrsOrPrnAmt>
			<sshPrnamt>66449</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>66449</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>20825C104</cusip>
		<value>3302380</value>
		<shrsOrPrnAmt>
			<sshPrnamt>35278</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>35278</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>20825C104</cusip>
		<value>7302</value>
		<shrsOrPrnAmt>
			<sshPrnamt>78</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>78</Sole>
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			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>20825C104</cusip>
		<value>4766248</value>
		<shrsOrPrnAmt>
			<sshPrnamt>50916</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>45301</Sole>
			<Shared>0</Shared>
			<None>5615</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CONSOLIDATED EDISON INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>209115104</cusip>
		<value>190793</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1921</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1921</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CONSOLIDATED EDISON INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>209115104</cusip>
		<value>567811</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5717</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>5614</Sole>
			<Shared>0</Shared>
			<None>103</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CONSTELLATION BRANDS, INC.</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>21036P108</cusip>
		<value>1151001</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8343</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>8343</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CONSTELLATION BRANDS, INC.</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>21036P108</cusip>
		<value>247637</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1795</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1698</Sole>
			<Shared>0</Shared>
			<None>97</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CONSTELLATION ENERGY </nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>21037T109</cusip>
		<value>1140004</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3227</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3227</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CONSTELLATION ENERGY </nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>21037T109</cusip>
		<value>9185</value>
		<shrsOrPrnAmt>
			<sshPrnamt>26</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>26</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CONSTELLATION ENERGY </nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>21037T109</cusip>
		<value>411559</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1165</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1165</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CORNING</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>219350105</cusip>
		<value>479390</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5475</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5475</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CORNING</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>219350105</cusip>
		<value>510387</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5829</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>5829</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CORTEVA INC.</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>22052L104</cusip>
		<value>722450</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10778</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10645</Sole>
			<Shared>0</Shared>
			<None>133</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CORTEVA INC.</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>22052L104</cusip>
		<value>1034945</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15440</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>13284</Sole>
			<Shared>0</Shared>
			<None>2156</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CORVEL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>221006109</cusip>
		<value>523157</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7731</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>7731</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COSTCO WHOLESALE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>22160K105</cusip>
		<value>4480716</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5196</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5171</Sole>
			<Shared>0</Shared>
			<None>25</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COSTCO WHOLESALE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>22160K105</cusip>
		<value>21559</value>
		<shrsOrPrnAmt>
			<sshPrnamt>25</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>25</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COSTCO WHOLESALE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>22160K105</cusip>
		<value>6226097</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7220</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>6700</Sole>
			<Shared>0</Shared>
			<None>520</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COVNANT LOGISTICS GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>22284P105</cusip>
		<value>473860</value>
		<shrsOrPrnAmt>
			<sshPrnamt>21500</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>21500</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CROWDSTRIKE HOLDINGS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>22788C105</cusip>
		<value>194067</value>
		<shrsOrPrnAmt>
			<sshPrnamt>414</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>414</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CROWDSTRIKE HOLDINGS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>22788C105</cusip>
		<value>379696</value>
		<shrsOrPrnAmt>
			<sshPrnamt>810</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>275</Sole>
			<Shared>0</Shared>
			<None>535</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CUBESMART</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>229663109</cusip>
		<value>411258</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11408</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>11408</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CUMMINS INC.</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>231021106</cusip>
		<value>3046373</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5968</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5968</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CUMMINS INC.</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>231021106</cusip>
		<value>58702</value>
		<shrsOrPrnAmt>
			<sshPrnamt>115</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>115</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CUMMINS INC.</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>231021106</cusip>
		<value>2966225</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5811</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4743</Sole>
			<Shared>0</Shared>
			<None>1068</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DNP SELECT INCOME FUND, INC.</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>23325P104</cusip>
		<value>138042</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13818</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>13818</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DNP SELECT INCOME FUND, INC.</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>23325P104</cusip>
		<value>76573</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7665</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>7665</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DANAHER</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>235851102</cusip>
		<value>1774589</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7752</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7752</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DANAHER</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>235851102</cusip>
		<value>61808</value>
		<shrsOrPrnAmt>
			<sshPrnamt>270</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>270</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DANAHER</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>235851102</cusip>
		<value>601374</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2627</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2280</Sole>
			<Shared>0</Shared>
			<None>347</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DARDEN RESTAURANTS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>237194105</cusip>
		<value>78762</value>
		<shrsOrPrnAmt>
			<sshPrnamt>428</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>428</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DARDEN RESTAURANTS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>237194105</cusip>
		<value>289280</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1572</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1311</Sole>
			<Shared>0</Shared>
			<None>261</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>244199105</cusip>
		<value>793797</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1705</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1705</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>244199105</cusip>
		<value>6854121</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14722</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1959</Sole>
			<Shared>0</Shared>
			<None>12763</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DELL TECHNOLOGIES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>24703L202</cusip>
		<value>199520</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1585</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1585</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DELL TECHNOLOGIES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>24703L202</cusip>
		<value>436047</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3464</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3165</Sole>
			<Shared>0</Shared>
			<None>299</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DELTA AIR LINES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>247361702</cusip>
		<value>1072439</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15453</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>15453</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DELTA AIR LINES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>247361702</cusip>
		<value>665615</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9591</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3816</Sole>
			<Shared>0</Shared>
			<None>5775</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DIAMONDBACK ENERGY INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>25278X109</cusip>
		<value>8001771</value>
		<shrsOrPrnAmt>
			<sshPrnamt>53228</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>52990</Sole>
			<Shared>0</Shared>
			<None>238</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DIAMONDBACK ENERGY INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>25278X109</cusip>
		<value>3664748</value>
		<shrsOrPrnAmt>
			<sshPrnamt>24378</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4817</Sole>
			<Shared>0</Shared>
			<None>19561</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DICK&apos;S SPORTING GOODS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>253393102</cusip>
		<value>854043</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4314</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>4314</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DIGITAL REALTY TRUST INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>253868103</cusip>
		<value>7616215</value>
		<shrsOrPrnAmt>
			<sshPrnamt>49229</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>49034</Sole>
			<Shared>0</Shared>
			<None>195</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DIGITAL REALTY TRUST INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>253868103</cusip>
		<value>8509</value>
		<shrsOrPrnAmt>
			<sshPrnamt>55</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>55</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DIGITAL REALTY TRUST INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>253868103</cusip>
		<value>2270524</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14676</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>9428</Sole>
			<Shared>0</Shared>
			<None>5248</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DIGITALOCEAN HOLDINGS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>25402D102</cusip>
		<value>2752464</value>
		<shrsOrPrnAmt>
			<sshPrnamt>57200</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>57200</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DIMENSIONAL </nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>25434V401</cusip>
		<value>1284032</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17312</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>12712</Sole>
			<Shared>0</Shared>
			<None>4600</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DIMENSIONAL </nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>25434V708</cusip>
		<value>4454549</value>
		<shrsOrPrnAmt>
			<sshPrnamt>112517</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>112517</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DIMENSIONAL </nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>25434V708</cusip>
		<value>427928</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10809</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>10809</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DIMENSIONAL </nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>25434V880</cusip>
		<value>298203</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9111</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5405</Sole>
			<Shared>0</Shared>
			<None>3706</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WALT DISNEY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>254687106</cusip>
		<value>2418865</value>
		<shrsOrPrnAmt>
			<sshPrnamt>21261</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>21197</Sole>
			<Shared>0</Shared>
			<None>64</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WALT DISNEY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>254687106</cusip>
		<value>227540</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>WALT DISNEY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>254687106</cusip>
		<value>2746868</value>
		<shrsOrPrnAmt>
			<sshPrnamt>24144</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>15109</Sole>
			<Shared>0</Shared>
			<None>9035</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DOLLAR GENERAL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>256677105</cusip>
		<value>266</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DOLLAR GENERAL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>256677105</cusip>
		<value>317320</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2390</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1000</Sole>
			<Shared>0</Shared>
			<None>1390</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DOMINION ENERGY INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>25746U109</cusip>
		<value>2148732</value>
		<shrsOrPrnAmt>
			<sshPrnamt>36674</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>36674</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DOMINION ENERGY INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>25746U109</cusip>
		<value>245492</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4190</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>90</Sole>
			<Shared>0</Shared>
			<None>4100</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DOMINION ENERGY INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>25746U109</cusip>
		<value>3764001</value>
		<shrsOrPrnAmt>
			<sshPrnamt>64243</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>37380</Sole>
			<Shared>0</Shared>
			<None>26863</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DONALDSON</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>257651109</cusip>
		<value>392055</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4422</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>301</Sole>
			<Shared>0</Shared>
			<None>4121</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DOW INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>260557103</cusip>
		<value>610344</value>
		<shrsOrPrnAmt>
			<sshPrnamt>26105</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>25845</Sole>
			<Shared>0</Shared>
			<None>260</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DOW INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>260557103</cusip>
		<value>7061</value>
		<shrsOrPrnAmt>
			<sshPrnamt>302</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>302</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DOW INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>260557103</cusip>
		<value>724828</value>
		<shrsOrPrnAmt>
			<sshPrnamt>31002</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>27646</Sole>
			<Shared>0</Shared>
			<None>3356</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>DUKE ENERGY CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>26441C204</cusip>
		<value>13269122</value>
		<shrsOrPrnAmt>
			<sshPrnamt>113208</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>112633</Sole>
			<Shared>0</Shared>
			<None>575</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>DUKE ENERGY CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>26441C204</cusip>
		<value>374604</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3196</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>530</Sole>
			<Shared>0</Shared>
			<None>2666</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>DUKE ENERGY CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>26441C204</cusip>
		<value>7095428</value>
		<shrsOrPrnAmt>
			<sshPrnamt>60536</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>19037</Sole>
			<Shared>0</Shared>
			<None>41499</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>26614N102</cusip>
		<value>911774</value>
		<shrsOrPrnAmt>
			<sshPrnamt>22681</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>22297</Sole>
			<Shared>0</Shared>
			<None>384</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>26614N102</cusip>
		<value>10532</value>
		<shrsOrPrnAmt>
			<sshPrnamt>262</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>262</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>26614N102</cusip>
		<value>726617</value>
		<shrsOrPrnAmt>
			<sshPrnamt>18075</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>15749</Sole>
			<Shared>0</Shared>
			<None>2326</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ELF BEAUTY INC</nameOfIssuer>
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		<shrsOrPrnAmt>
			<sshPrnamt>13000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>13000</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>EOG RESOURCES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
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		<shrsOrPrnAmt>
			<sshPrnamt>85067</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>84749</Sole>
			<Shared>0</Shared>
			<None>318</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>EOG RESOURCES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>26875P101</cusip>
		<value>4095</value>
		<shrsOrPrnAmt>
			<sshPrnamt>39</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>39</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>EOG RESOURCES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>26875P101</cusip>
		<value>4878660</value>
		<shrsOrPrnAmt>
			<sshPrnamt>46459</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>31428</Sole>
			<Shared>0</Shared>
			<None>15031</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>EQT CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>26884L109</cusip>
		<value>91656</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1710</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1710</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EQT CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>26884L109</cusip>
		<value>294693</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5498</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>651</Sole>
			<Shared>0</Shared>
			<None>4847</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EASTMAN CHEMICAL CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>277432100</cusip>
		<value>119489</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1872</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1872</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>EASTMAN CHEMICAL CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>277432100</cusip>
		<value>114447</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1793</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1793</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>EATON VANCE</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>278277108</cusip>
		<value>230144</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9831</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>9831</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EBAY INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>278642103</cusip>
		<value>257467</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2956</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2956</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EBAY INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>278642103</cusip>
		<value>160264</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1840</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1840</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ECOLAB INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>278865100</cusip>
		<value>72981</value>
		<shrsOrPrnAmt>
			<sshPrnamt>278</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>278</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ECOLAB INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>278865100</cusip>
		<value>423970</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1615</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>485</Sole>
			<Shared>0</Shared>
			<None>1130</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EDISON INTERNATIONAL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>281020107</cusip>
		<value>252265</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4203</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1758</Sole>
			<Shared>0</Shared>
			<None>2445</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EMCOR GROUP, INC.</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>29084Q100</cusip>
		<value>449054</value>
		<shrsOrPrnAmt>
			<sshPrnamt>734</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>734</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EMERSON ELECTRIC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>291011104</cusip>
		<value>2518176</value>
		<shrsOrPrnAmt>
			<sshPrnamt>18974</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>18974</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EMERSON ELECTRIC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>291011104</cusip>
		<value>1471998</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11091</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>10891</Sole>
			<Shared>0</Shared>
			<None>200</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EMPLOYERS HOLDINGS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>292218104</cusip>
		<value>1105152</value>
		<shrsOrPrnAmt>
			<sshPrnamt>25600</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>25600</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ENBRIDGE INC</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>29250N105</cusip>
		<value>131961</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2759</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2759</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ENBRIDGE INC</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>29250N105</cusip>
		<value>18559</value>
		<shrsOrPrnAmt>
			<sshPrnamt>388</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>388</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ENBRIDGE INC</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>29250N105</cusip>
		<value>433915</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9072</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>7544</Sole>
			<Shared>0</Shared>
			<None>1528</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ENERGY TRANSFER LP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>29273V100</cusip>
		<value>67428</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4089</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3789</Sole>
			<Shared>0</Shared>
			<None>300</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ENERGY TRANSFER LP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>29273V100</cusip>
		<value>1695633</value>
		<shrsOrPrnAmt>
			<sshPrnamt>102828</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>99260</Sole>
			<Shared>0</Shared>
			<None>3568</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ENTERGY CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>29364G103</cusip>
		<value>708016</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7660</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7660</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ENTERGY CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>29364G103</cusip>
		<value>18486</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>ENTERGY CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>29364G103</cusip>
		<value>341435</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3694</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3694</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ENTERPRISE PRODUCTS PARTNERS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>293792107</cusip>
		<value>97014</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3026</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3026</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ENTERPRISE PRODUCTS PARTNERS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>293792107</cusip>
		<value>975778</value>
		<shrsOrPrnAmt>
			<sshPrnamt>30436</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>16950</Sole>
			<Shared>0</Shared>
			<None>13486</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EQUIFAX</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>294429105</cusip>
		<value>162085</value>
		<shrsOrPrnAmt>
			<sshPrnamt>747</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>747</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EQUIFAX</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>294429105</cusip>
		<value>551347</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2541</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>270</Sole>
			<Shared>0</Shared>
			<None>2271</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EQUINIX</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>29444U700</cusip>
		<value>202266</value>
		<shrsOrPrnAmt>
			<sshPrnamt>264</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>264</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EQUINIX</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>29444U700</cusip>
		<value>15323</value>
		<shrsOrPrnAmt>
			<sshPrnamt>20</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>20</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ESSENTIAL UTILITIES, INC. </nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>29670G102</cusip>
		<value>223180</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5818</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5818</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ESSENTIAL UTILITIES, INC. </nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>29670G102</cusip>
		<value>13541</value>
		<shrsOrPrnAmt>
			<sshPrnamt>353</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>353</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EVAXION A/S</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>29970R303</cusip>
		<value>47700</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10000</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EXELON CORPORATION</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>30161N101</cusip>
		<value>390043</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8948</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>8948</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EXELON CORPORATION</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>30161N101</cusip>
		<value>3487</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>EXELON CORPORATION</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>30161N101</cusip>
		<value>273528</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6275</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>6275</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EXELIXIS INC </nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>30161Q104</cusip>
		<value>1490</value>
		<shrsOrPrnAmt>
			<sshPrnamt>34</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>34</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EXELIXIS INC </nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>30161Q104</cusip>
		<value>2410650</value>
		<shrsOrPrnAmt>
			<sshPrnamt>55000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1000</Sole>
			<Shared>0</Shared>
			<None>54000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EXPEDIA GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>30212P303</cusip>
		<value>504859</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1782</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1782</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>30231G102</cusip>
		<value>17444384</value>
		<shrsOrPrnAmt>
			<sshPrnamt>144960</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>144760</Sole>
			<Shared>0</Shared>
			<None>200</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>30231G102</cusip>
		<value>251633</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2091</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2091</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>30231G102</cusip>
		<value>22213563</value>
		<shrsOrPrnAmt>
			<sshPrnamt>184590</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>177915</Sole>
			<Shared>0</Shared>
			<None>6675</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FTI CONSULTING INC.</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>302941109</cusip>
		<value>670679</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3926</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>3926</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>META PLATFORMS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>30303M102</cusip>
		<value>29138362</value>
		<shrsOrPrnAmt>
			<sshPrnamt>44143</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>43774</Sole>
			<Shared>0</Shared>
			<None>369</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>META PLATFORMS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>30303M102</cusip>
		<value>434999</value>
		<shrsOrPrnAmt>
			<sshPrnamt>659</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>159</Sole>
			<Shared>0</Shared>
			<None>500</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>META PLATFORMS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>30303M102</cusip>
		<value>26281487</value>
		<shrsOrPrnAmt>
			<sshPrnamt>39815</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>13918</Sole>
			<Shared>0</Shared>
			<None>25897</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FASTENAL CO.</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>311900104</cusip>
		<value>318915</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7947</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7947</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FASTENAL CO.</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>311900104</cusip>
		<value>8748</value>
		<shrsOrPrnAmt>
			<sshPrnamt>218</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>218</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FASTENAL CO.</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>311900104</cusip>
		<value>256832</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6400</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4000</Sole>
			<Shared>0</Shared>
			<None>2400</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FREDDIE MAC</nameOfIssuer>
		<titleOfClass>PREFERRED STOCK</titleOfClass>
		<cusip>313400673</cusip>
		<value>249320</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>190000</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>211100</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>FANNIE MAE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>313586109</cusip>
		<value>536629</value>
		<shrsOrPrnAmt>
			<sshPrnamt>50012</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>50012</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FEDERATED HERMES</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>31423L404</cusip>
		<value>1190077</value>
		<shrsOrPrnAmt>
			<sshPrnamt>46872</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>46872</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FEDEX CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>31428X106</cusip>
		<value>2768435</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9584</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>9524</Sole>
			<Shared>0</Shared>
			<None>60</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FEDEX CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>31428X106</cusip>
		<value>2155474</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7462</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>6230</Sole>
			<Shared>0</Shared>
			<None>1232</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FIDELITY</nameOfIssuer>
		<titleOfClass>ALTERNATIVE FUN</titleOfClass>
		<cusip>315948109</cusip>
		<value>371240</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4870</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4870</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FIDELITY</nameOfIssuer>
		<titleOfClass>ALTERNATIVE FUN</titleOfClass>
		<cusip>315948109</cusip>
		<value>292342</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3835</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>538</Sole>
			<Shared>0</Shared>
			<None>3297</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FIFTH THIRD BANCORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>316773100</cusip>
		<value>428826</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9161</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>9161</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FIFTH THIRD BANCORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>316773100</cusip>
		<value>5296879</value>
		<shrsOrPrnAmt>
			<sshPrnamt>113157</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>11047</Sole>
			<Shared>0</Shared>
			<None>102110</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FIRST BANCORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>318910106</cusip>
		<value>3052885</value>
		<shrsOrPrnAmt>
			<sshPrnamt>60108</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>60108</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>FIRST HAWAIIAN INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>32051X108</cusip>
		<value>517056</value>
		<shrsOrPrnAmt>
			<sshPrnamt>20437</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>20437</None>
		</votingAuthority>
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		<nameOfIssuer>FIRST TRUST</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>33733E104</cusip>
		<value>412232</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4456</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>4456</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>FIRST TRUST</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>33735J101</cusip>
		<value>278602</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3234</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3234</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>FIRST TRUST</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>33738R308</cusip>
		<value>495808</value>
		<shrsOrPrnAmt>
			<sshPrnamt>20991</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>20991</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>FIRST TRUST</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>33738R308</cusip>
		<value>38406</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1626</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1626</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>FIRST TRUST</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>33738R407</cusip>
		<value>481172</value>
		<shrsOrPrnAmt>
			<sshPrnamt>23111</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>23111</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>FIRST TRUST</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>33739E108</cusip>
		<value>922753</value>
		<shrsOrPrnAmt>
			<sshPrnamt>50645</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>50645</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>FIRST TRUST</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>33739E108</cusip>
		<value>76524</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4200</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4200</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>FIRST TRUST</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>33739Q200</cusip>
		<value>6597691</value>
		<shrsOrPrnAmt>
			<sshPrnamt>131980</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>128910</Sole>
			<Shared>0</Shared>
			<None>3070</None>
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	<infoTable>
		<nameOfIssuer>FIRST TRUST</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>33739Q200</cusip>
		<value>207060</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4142</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>4142</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>FIRST TRUST</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>33739Q200</cusip>
		<value>144421</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2889</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2889</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>FIRST TRUST</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>33739Q408</cusip>
		<value>11993142</value>
		<shrsOrPrnAmt>
			<sshPrnamt>200119</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>195732</Sole>
			<Shared>0</Shared>
			<None>4387</None>
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	<infoTable>
		<nameOfIssuer>FIRST TRUST</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>33739Q408</cusip>
		<value>324880</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5421</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>5421</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>FIRST TRUST</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>33739Q408</cusip>
		<value>20976</value>
		<shrsOrPrnAmt>
			<sshPrnamt>350</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>350</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>FIRST WATCH RESTAURANT GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>33748L101</cusip>
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		<shrsOrPrnAmt>
			<sshPrnamt>79699</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>79699</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>FISERV INC</nameOfIssuer>
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		<shrsOrPrnAmt>
			<sshPrnamt>405</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>405</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>FISERV INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>337738108</cusip>
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		<shrsOrPrnAmt>
			<sshPrnamt>6600</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>6000</Sole>
			<Shared>0</Shared>
			<None>600</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>FIRST ENERGY</nameOfIssuer>
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		<cusip>337932107</cusip>
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		<shrsOrPrnAmt>
			<sshPrnamt>6395</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5195</Sole>
			<Shared>0</Shared>
			<None>1200</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>FIRST ENERGY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>337932107</cusip>
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		<shrsOrPrnAmt>
			<sshPrnamt>2797</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2797</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>FORD</nameOfIssuer>
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		<shrsOrPrnAmt>
			<sshPrnamt>26645</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>25645</Sole>
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			<None>1000</None>
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	<infoTable>
		<nameOfIssuer>FORD</nameOfIssuer>
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		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>FORD</nameOfIssuer>
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		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
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			<None>500</None>
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	<infoTable>
		<nameOfIssuer>FORTINET INC</nameOfIssuer>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>114</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>FORTINET INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
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		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
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			<None>4775</None>
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	<infoTable>
		<nameOfIssuer>FOX CORPORATION</nameOfIssuer>
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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>
		<nameOfIssuer>FOX CORPORATION</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
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			<Shared>0</Shared>
			<None>2835</None>
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	<infoTable>
		<nameOfIssuer>FREEPORT-MCMORAN</nameOfIssuer>
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		<cusip>35671D857</cusip>
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		<shrsOrPrnAmt>
			<sshPrnamt>92506</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>92063</Sole>
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			<None>443</None>
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	<infoTable>
		<nameOfIssuer>FREEPORT-MCMORAN</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
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		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>9797</Sole>
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			<None>75633</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>H.B FULLER COMPANY</nameOfIssuer>
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		<cusip>359694106</cusip>
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		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
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			<Shared>0</Shared>
			<None>25500</None>
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	<infoTable>
		<nameOfIssuer>GE HEALTHCARE TECHNOLOGY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
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		<value>265251</value>
		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3234</Sole>
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			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>GE HEALTHCARE TECHNOLOGY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
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	<infoTable>
		<nameOfIssuer>GE HEALTHCARE TECHNOLOGY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>8527</Sole>
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			<None>722</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>GARRETT MOTION INC</nameOfIssuer>
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		<cusip>366505105</cusip>
		<value>1830742</value>
		<shrsOrPrnAmt>
			<sshPrnamt>105034</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>34</Sole>
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			<None>105000</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>GE VERNOVA INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>36828A101</cusip>
		<value>2293379</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3509</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3488</Sole>
			<Shared>0</Shared>
			<None>21</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>GE VERNOVA INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>36828A101</cusip>
		<value>7189</value>
		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>11</Sole>
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			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GE VERNOVA INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>36828A101</cusip>
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		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>7555</Sole>
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			<None>1302</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>GENERAL DYNAMICS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>369550108</cusip>
		<value>459205</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1364</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1364</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>GENERAL DYNAMICS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>369550108</cusip>
		<value>513407</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1525</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1045</Sole>
			<Shared>0</Shared>
			<None>480</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GE AEROSPACE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>369604301</cusip>
		<value>4019789</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13050</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>12963</Sole>
			<Shared>0</Shared>
			<None>87</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GE AEROSPACE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>369604301</cusip>
		<value>14169</value>
		<shrsOrPrnAmt>
			<sshPrnamt>46</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>46</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>GE AEROSPACE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>369604301</cusip>
		<value>10469019</value>
		<shrsOrPrnAmt>
			<sshPrnamt>33987</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>29567</Sole>
			<Shared>0</Shared>
			<None>4420</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GENERAL MILLS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>370334104</cusip>
		<value>1845313</value>
		<shrsOrPrnAmt>
			<sshPrnamt>39684</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>39134</Sole>
			<Shared>0</Shared>
			<None>550</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GENERAL MILLS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>370334104</cusip>
		<value>4418</value>
		<shrsOrPrnAmt>
			<sshPrnamt>95</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>95</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>GENERAL MILLS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>370334104</cusip>
		<value>1149346</value>
		<shrsOrPrnAmt>
			<sshPrnamt>24717</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>23633</Sole>
			<Shared>0</Shared>
			<None>1084</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>GENERAL MOTORS CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>37045V100</cusip>
		<value>16507</value>
		<shrsOrPrnAmt>
			<sshPrnamt>203</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>203</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>GENERAL MOTORS CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>37045V100</cusip>
		<value>341462</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4199</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>564</Sole>
			<Shared>0</Shared>
			<None>3635</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>GENUINE PARTS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>372460105</cusip>
		<value>106237</value>
		<shrsOrPrnAmt>
			<sshPrnamt>864</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>864</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GENUINE PARTS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>372460105</cusip>
		<value>11681</value>
		<shrsOrPrnAmt>
			<sshPrnamt>95</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>95</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GENUINE PARTS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>372460105</cusip>
		<value>421629</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3429</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3429</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GIBRALTAR INDUSTRIES INC.</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>374689107</cusip>
		<value>1677400</value>
		<shrsOrPrnAmt>
			<sshPrnamt>33928</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>33928</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>375558103</cusip>
		<value>1315904</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10721</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10231</Sole>
			<Shared>0</Shared>
			<None>490</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>375558103</cusip>
		<value>952707</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7762</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>7577</Sole>
			<Shared>0</Shared>
			<None>185</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>GLOBAL WATER RESOURCES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>379463102</cusip>
		<value>519675</value>
		<shrsOrPrnAmt>
			<sshPrnamt>61500</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>61500</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GLOBAL X</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>37954Y889</cusip>
		<value>252600</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3072</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3072</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>GOLDMAN SACHS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>38141G104</cusip>
		<value>3080895</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3505</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3477</Sole>
			<Shared>0</Shared>
			<None>28</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>GOLDMAN SACHS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>38141G104</cusip>
		<value>85263</value>
		<shrsOrPrnAmt>
			<sshPrnamt>97</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>97</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GOLDMAN SACHS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>38141G104</cusip>
		<value>4107567</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4673</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1978</Sole>
			<Shared>0</Shared>
			<None>2695</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GOOSEHEAD INSURANCE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>38267D109</cusip>
		<value>721770</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9800</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>9800</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GRACO INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>384109104</cusip>
		<value>556495</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6789</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>285</Sole>
			<Shared>0</Shared>
			<None>6504</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GRAIL INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>384747101</cusip>
		<value>1027080</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>12000</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GRANITE CONSTRUCTION INC.</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>387328107</cusip>
		<value>4085928</value>
		<shrsOrPrnAmt>
			<sshPrnamt>35422</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>35422</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GREIF INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>397624107</cusip>
		<value>1275400</value>
		<shrsOrPrnAmt>
			<sshPrnamt>18839</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>18839</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GUARDANT HEALTH INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>40131M109</cusip>
		<value>308054</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3016</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3016</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GULFPORT ENERGY CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>402635502</cusip>
		<value>2059101</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9900</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>9900</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HARRIS OFFICE EQUIPMENT INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>406000992</cusip>
		<value>492273</value>
		<shrsOrPrnAmt>
			<sshPrnamt>80</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>80</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HALLIBURTON </nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>406216101</cusip>
		<value>627038</value>
		<shrsOrPrnAmt>
			<sshPrnamt>22188</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>22188</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HALLIBURTON </nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>406216101</cusip>
		<value>3787690</value>
		<shrsOrPrnAmt>
			<sshPrnamt>134030</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>8030</Sole>
			<Shared>0</Shared>
			<None>126000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HARTFORD FINANCIAL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>416515104</cusip>
		<value>98114</value>
		<shrsOrPrnAmt>
			<sshPrnamt>712</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>712</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HARTFORD FINANCIAL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>416515104</cusip>
		<value>569527</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4133</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>528</Sole>
			<Shared>0</Shared>
			<None>3605</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HAWKINS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>420261109</cusip>
		<value>2463036</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17338</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>17338</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>JACK HENRY &amp; ASSOCIATES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>426281101</cusip>
		<value>10584</value>
		<shrsOrPrnAmt>
			<sshPrnamt>58</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>58</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>JACK HENRY &amp; ASSOCIATES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>426281101</cusip>
		<value>627548</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3439</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>5</Sole>
			<Shared>0</Shared>
			<None>3434</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>THE HERSHEY COMPANY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>427866108</cusip>
		<value>28208</value>
		<shrsOrPrnAmt>
			<sshPrnamt>155</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>80</Sole>
			<Shared>0</Shared>
			<None>75</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>THE HERSHEY COMPANY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>427866108</cusip>
		<value>254772</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1400</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1200</Sole>
			<Shared>0</Shared>
			<None>200</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HILTON GRAND VACATIONS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>43283X105</cusip>
		<value>1437460</value>
		<shrsOrPrnAmt>
			<sshPrnamt>32122</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>32122</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HILTON WORLDWIDE HOLDINGS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>43300A203</cusip>
		<value>430879</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1500</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1500</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HILTON WORLDWIDE HOLDINGS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>43300A203</cusip>
		<value>143625</value>
		<shrsOrPrnAmt>
			<sshPrnamt>500</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>500</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>437076102</cusip>
		<value>14677289</value>
		<shrsOrPrnAmt>
			<sshPrnamt>42654</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>42360</Sole>
			<Shared>0</Shared>
			<None>294</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>437076102</cusip>
		<value>787302</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2288</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>288</Sole>
			<Shared>0</Shared>
			<None>2000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>437076102</cusip>
		<value>8330330</value>
		<shrsOrPrnAmt>
			<sshPrnamt>24209</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>17987</Sole>
			<Shared>0</Shared>
			<None>6222</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HONEYWELL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>438516106</cusip>
		<value>6329319</value>
		<shrsOrPrnAmt>
			<sshPrnamt>32443</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>32222</Sole>
			<Shared>0</Shared>
			<None>221</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HONEYWELL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>438516106</cusip>
		<value>598926</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3070</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>70</Sole>
			<Shared>0</Shared>
			<None>3000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HONEYWELL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>438516106</cusip>
		<value>4316176</value>
		<shrsOrPrnAmt>
			<sshPrnamt>22124</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>21287</Sole>
			<Shared>0</Shared>
			<None>837</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HOWMET AEROSPACE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>443201108</cusip>
		<value>771083</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3761</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3761</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HOWMET AEROSPACE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>443201108</cusip>
		<value>46130</value>
		<shrsOrPrnAmt>
			<sshPrnamt>225</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>225</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HOWMET AEROSPACE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>443201108</cusip>
		<value>219372</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1070</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>940</Sole>
			<Shared>0</Shared>
			<None>130</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HUBBELL INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>443510607</cusip>
		<value>1776</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>HUBBELL INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>443510607</cusip>
		<value>408137</value>
		<shrsOrPrnAmt>
			<sshPrnamt>919</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>919</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HUNTINGTON BANCSHARES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>446150104</cusip>
		<value>815345</value>
		<shrsOrPrnAmt>
			<sshPrnamt>46994</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>46994</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HUNTINGTON BANCSHARES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>446150104</cusip>
		<value>163211</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9407</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>9407</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HUNTINGTON BANCSHARES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>446150104</cusip>
		<value>1947226</value>
		<shrsOrPrnAmt>
			<sshPrnamt>112232</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>112232</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>IDEAYA BIOSCIENCES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>45166A102</cusip>
		<value>1372429</value>
		<shrsOrPrnAmt>
			<sshPrnamt>39700</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>39700</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ILLINOIS TOOL WORKS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>452308109</cusip>
		<value>280784</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1140</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1140</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ILLINOIS TOOL WORKS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>452308109</cusip>
		<value>18473</value>
		<shrsOrPrnAmt>
			<sshPrnamt>75</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>75</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ILLINOIS TOOL WORKS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>452308109</cusip>
		<value>673139</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2733</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2733</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>IMAX CORP</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>45245E109</cusip>
		<value>1648416</value>
		<shrsOrPrnAmt>
			<sshPrnamt>44600</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>44600</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>INGERSOLL-RAND INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>45687V106</cusip>
		<value>513345</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6480</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6480</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>INGERSOLL-RAND INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>45687V106</cusip>
		<value>209695</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2647</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2647</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>INGERSOLL-RAND INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>45687V106</cusip>
		<value>233224</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2944</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2944</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>INSTALLED BUILDING PRODUCTS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>45780R101</cusip>
		<value>697759</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2690</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2690</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>INTEL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>458140100</cusip>
		<value>1281684</value>
		<shrsOrPrnAmt>
			<sshPrnamt>34734</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>33484</Sole>
			<Shared>0</Shared>
			<None>1250</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>INTEL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>458140100</cusip>
		<value>9225</value>
		<shrsOrPrnAmt>
			<sshPrnamt>250</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>250</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>INTEL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>458140100</cusip>
		<value>1597624</value>
		<shrsOrPrnAmt>
			<sshPrnamt>43296</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>39302</Sole>
			<Shared>0</Shared>
			<None>3994</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>INTEGER HOLDINGS CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>45826H109</cusip>
		<value>1279821</value>
		<shrsOrPrnAmt>
			<sshPrnamt>16318</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>16318</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>INTELLIA THERAPEUTICS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>45826J105</cusip>
		<value>575360</value>
		<shrsOrPrnAmt>
			<sshPrnamt>64000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>64000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>INTERCONTINENTAL EXCHANGE GRP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>45866F104</cusip>
		<value>525399</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3244</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3244</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>INTERCONTINENTAL EXCHANGE GRP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>45866F104</cusip>
		<value>85353</value>
		<shrsOrPrnAmt>
			<sshPrnamt>527</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>527</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>IBM CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>459200101</cusip>
		<value>9118534</value>
		<shrsOrPrnAmt>
			<sshPrnamt>30784</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>30357</Sole>
			<Shared>0</Shared>
			<None>427</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>IBM CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>459200101</cusip>
		<value>13625</value>
		<shrsOrPrnAmt>
			<sshPrnamt>46</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>46</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>IBM CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>459200101</cusip>
		<value>14690834</value>
		<shrsOrPrnAmt>
			<sshPrnamt>49596</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>43131</Sole>
			<Shared>0</Shared>
			<None>6465</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>INTERNATIONAL PAPER</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>460146103</cusip>
		<value>233503</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5928</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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		<investmentDiscretion>OTR</investmentDiscretion>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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	<infoTable>
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	<infoTable>
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	<infoTable>
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	<infoTable>
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	<infoTable>
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	<infoTable>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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	<infoTable>
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		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
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		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
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	<infoTable>
		<nameOfIssuer>INVESCO</nameOfIssuer>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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	<infoTable>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
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		<nameOfIssuer>INVESCO</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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	<infoTable>
		<nameOfIssuer>INVESCO</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
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		<shrsOrPrnAmt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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	<infoTable>
		<nameOfIssuer>INVESCO</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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	<infoTable>
		<nameOfIssuer>INVESCO</nameOfIssuer>
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		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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	<infoTable>
		<nameOfIssuer>INVESCO</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
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	<infoTable>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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	<infoTable>
		<nameOfIssuer>INVESCO</nameOfIssuer>
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		<investmentDiscretion>DFND</investmentDiscretion>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
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		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
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		<investmentDiscretion>OTR</investmentDiscretion>
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		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
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		<investmentDiscretion>OTR</investmentDiscretion>
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		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>46436E718</cusip>
		<value>91045</value>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
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		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
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		<value>150570</value>
		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
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			<Shared>0</Shared>
			<None>1500</None>
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		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ALTERNATIVE FUN</titleOfClass>
		<cusip>46438F101</cusip>
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		<shrsOrPrnAmt>
			<sshPrnamt>3526</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ALTERNATIVE FUN</titleOfClass>
		<cusip>46438F101</cusip>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
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			<None>64947</None>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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	<infoTable>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>9514</Sole>
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	<infoTable>
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		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
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		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
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		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
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		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
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		<shrsOrPrnAmt>
			<sshPrnamt>14335</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
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		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
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		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
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		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
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			<sshPrnamt>11995</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
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		<shrsOrPrnAmt>
			<sshPrnamt>450</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
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		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>46654Q203</cusip>
		<value>245440</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4223</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
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		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
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		<shrsOrPrnAmt>
			<sshPrnamt>128866</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
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			<None>0</None>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3140</Sole>
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		<titleOfClass>COMMON STOCK</titleOfClass>
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		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
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	<infoTable>
		<nameOfIssuer>JACOBS SOLUTIONS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>46982L108</cusip>
		<value>84112</value>
		<shrsOrPrnAmt>
			<sshPrnamt>635</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>635</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>JANUS HENDERSON</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>47103U753</cusip>
		<value>238500</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>5000</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>JANUS HENDERSON</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>47103U845</cusip>
		<value>2023200</value>
		<shrsOrPrnAmt>
			<sshPrnamt>40000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>40000</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>JETBLUE AIRWAYS CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>477143101</cusip>
		<value>1228500</value>
		<shrsOrPrnAmt>
			<sshPrnamt>270000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>270000</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>478160104</cusip>
		<value>14977816</value>
		<shrsOrPrnAmt>
			<sshPrnamt>72374</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>71850</Sole>
			<Shared>0</Shared>
			<None>524</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>478160104</cusip>
		<value>230749</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1115</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>115</Sole>
			<Shared>0</Shared>
			<None>1000</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>478160104</cusip>
		<value>15172965</value>
		<shrsOrPrnAmt>
			<sshPrnamt>73317</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>64773</Sole>
			<Shared>0</Shared>
			<None>8544</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>KLA CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>482480100</cusip>
		<value>154315</value>
		<shrsOrPrnAmt>
			<sshPrnamt>127</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>127</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>KLA CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>482480100</cusip>
		<value>1433794</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1180</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1000</Sole>
			<Shared>0</Shared>
			<None>180</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>KKR &amp; CO INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>48251W104</cusip>
		<value>1737553</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13630</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>13630</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>KKR &amp; CO INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>48251W104</cusip>
		<value>191220</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1500</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1500</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>KKR &amp; CO INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>48251W104</cusip>
		<value>1601914</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12566</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>12066</Sole>
			<Shared>0</Shared>
			<None>500</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>KADANT INC.</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>48282T104</cusip>
		<value>424680</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1490</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1490</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>KIMBERLY-CLARK</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>494368103</cusip>
		<value>300249</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2976</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2976</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>KIMBERLY-CLARK</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>494368103</cusip>
		<value>12611</value>
		<shrsOrPrnAmt>
			<sshPrnamt>125</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>125</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>KIMBERLY-CLARK</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>494368103</cusip>
		<value>397508</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3940</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3940</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>KINDER MORGAN INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>49456B101</cusip>
		<value>1942364</value>
		<shrsOrPrnAmt>
			<sshPrnamt>70657</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>70657</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>KINDER MORGAN INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>49456B101</cusip>
		<value>13745</value>
		<shrsOrPrnAmt>
			<sshPrnamt>500</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>500</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>KINDER MORGAN INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>49456B101</cusip>
		<value>1965974</value>
		<shrsOrPrnAmt>
			<sshPrnamt>71516</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>65715</Sole>
			<Shared>0</Shared>
			<None>5801</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>KORN/FERRY INTL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>500643200</cusip>
		<value>1085699</value>
		<shrsOrPrnAmt>
			<sshPrnamt>16445</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>16445</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>KRAFT HEINZ CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>500754106</cusip>
		<value>117372</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4840</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4540</Sole>
			<Shared>0</Shared>
			<None>300</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>KRAFT HEINZ CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>500754106</cusip>
		<value>144288</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5950</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2470</Sole>
			<Shared>0</Shared>
			<None>3480</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>KROGER</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>501044101</cusip>
		<value>480156</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7685</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7685</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>KROGER</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>501044101</cusip>
		<value>237549</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3802</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1252</Sole>
			<Shared>0</Shared>
			<None>2550</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>KURU SUSHI USA INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>501270102</cusip>
		<value>1585599</value>
		<shrsOrPrnAmt>
			<sshPrnamt>30300</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>30300</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>LCI INDUSTRIES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>50189K103</cusip>
		<value>369238</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3043</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>3043</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>L3 HARRIS TECHNOLOGIES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>502431109</cusip>
		<value>59008</value>
		<shrsOrPrnAmt>
			<sshPrnamt>201</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>201</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>L3 HARRIS TECHNOLOGIES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>502431109</cusip>
		<value>1383301</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4712</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1852</Sole>
			<Shared>0</Shared>
			<None>2860</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>LAM RESEARCH CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>512807306</cusip>
		<value>243417</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1422</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1422</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>LAM RESEARCH CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>512807306</cusip>
		<value>376596</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2200</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>200</Sole>
			<Shared>0</Shared>
			<None>2000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>THE MARZETTI COMPANY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>513847103</cusip>
		<value>10030</value>
		<shrsOrPrnAmt>
			<sshPrnamt>61</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>61</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>THE MARZETTI COMPANY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>513847103</cusip>
		<value>26726308</value>
		<shrsOrPrnAmt>
			<sshPrnamt>162549</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>162549</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>LANDSTAR SYSTEM INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>515098101</cusip>
		<value>536001</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3730</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>3730</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>LEMAITRE VASCULAR INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>525558201</cusip>
		<value>1411140</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>LENNAR CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>526057104</cusip>
		<value>344893</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3355</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3355</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>LENNAR CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>526057104</cusip>
		<value>41120</value>
		<shrsOrPrnAmt>
			<sshPrnamt>400</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>400</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ELI LILLY &amp; CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>532457108</cusip>
		<value>11674239</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10863</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10755</Sole>
			<Shared>0</Shared>
			<None>108</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ELI LILLY &amp; CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>532457108</cusip>
		<value>104244</value>
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			<sshPrnamt>97</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>97</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ELI LILLY &amp; CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>532457108</cusip>
		<value>20410323</value>
		<shrsOrPrnAmt>
			<sshPrnamt>18992</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>12268</Sole>
			<Shared>0</Shared>
			<None>6724</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>LINCOLN ELECTRIC HOLDINGS, INC.</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>533900106</cusip>
		<value>203694</value>
		<shrsOrPrnAmt>
			<sshPrnamt>850</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>850</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>LINCOLN NATIONAL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>534187109</cusip>
		<value>218642</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4910</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>4910</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>LIQUIDMETAL TECHNOLOGIES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>53634X100</cusip>
		<value>61907</value>
		<shrsOrPrnAmt>
			<sshPrnamt>620307</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>620307</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>WAHED</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>53656F607</cusip>
		<value>658387</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10614</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10614</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>LOCKHEED MARTIN</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>539830109</cusip>
		<value>12516387</value>
		<shrsOrPrnAmt>
			<sshPrnamt>25878</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>25785</Sole>
			<Shared>0</Shared>
			<None>93</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>LOCKHEED MARTIN</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>539830109</cusip>
		<value>158160</value>
		<shrsOrPrnAmt>
			<sshPrnamt>327</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>127</Sole>
			<Shared>0</Shared>
			<None>200</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>LOCKHEED MARTIN</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>539830109</cusip>
		<value>3294280</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6811</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4533</Sole>
			<Shared>0</Shared>
			<None>2278</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>LOWES COS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>548661107</cusip>
		<value>6139930</value>
		<shrsOrPrnAmt>
			<sshPrnamt>25460</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>25460</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>LOWES COS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>548661107</cusip>
		<value>16881</value>
		<shrsOrPrnAmt>
			<sshPrnamt>70</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>70</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>LOWES COS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>548661107</cusip>
		<value>7071775</value>
		<shrsOrPrnAmt>
			<sshPrnamt>29324</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>19159</Sole>
			<Shared>0</Shared>
			<None>10165</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>LUMENTUM HOLDINGS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>55024U109</cusip>
		<value>750449</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2036</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2036</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>MPLX LP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>55336V100</cusip>
		<value>233067</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4367</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2167</Sole>
			<Shared>0</Shared>
			<None>2200</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>MPLX LP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>55336V100</cusip>
		<value>303036</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5678</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2878</Sole>
			<Shared>0</Shared>
			<None>2800</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>MACQUARIE BANK LTD</nameOfIssuer>
		<titleOfClass>FOREIGN BDS NTS</titleOfClass>
		<cusip>556079AD3</cusip>
		<value>387294</value>
		<shrsOrPrnAmt>
			<sshPrnamt>425000</sshPrnamt>
			<sshPrnamtType>PRN</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>175000</Sole>
			<Shared>0</Shared>
			<None>250000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MAGNOLIA OIL &amp; GAS CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>559663109</cusip>
		<value>1798001</value>
		<shrsOrPrnAmt>
			<sshPrnamt>82138</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2600</Sole>
			<Shared>0</Shared>
			<None>79538</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MAIN STREET CAPITAL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>56035L104</cusip>
		<value>259255</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4293</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3791</Sole>
			<Shared>0</Shared>
			<None>502</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MAIN STREET FINANCIAL SERVICES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>56035X108</cusip>
		<value>606977</value>
		<shrsOrPrnAmt>
			<sshPrnamt>35126</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>35126</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MAIN STREET FINANCIAL SERVICES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>56035X108</cusip>
		<value>45619</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2640</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2640</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>MAMAS CREATIONS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>56146T103</cusip>
		<value>1841385</value>
		<shrsOrPrnAmt>
			<sshPrnamt>136500</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3000</Sole>
			<Shared>0</Shared>
			<None>133500</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>MANHATTAN ASSOCIATES, INC.</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>562750109</cusip>
		<value>334662</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1931</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1931</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>MANULIFE FINANCIAL CORP.</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>56501R106</cusip>
		<value>410255</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11308</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>11308</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MANULIFE FINANCIAL CORP.</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>56501R106</cusip>
		<value>108115</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2980</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2980</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MARATHON PETROLEUM CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>56585A102</cusip>
		<value>2080526</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12793</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>11458</Sole>
			<Shared>0</Shared>
			<None>1335</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MARATHON PETROLEUM CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>56585A102</cusip>
		<value>1174840</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7224</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>6946</Sole>
			<Shared>0</Shared>
			<None>278</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>MARSH &amp; MCLENNAN</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>571748102</cusip>
		<value>89236</value>
		<shrsOrPrnAmt>
			<sshPrnamt>481</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>481</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>MARSH &amp; MCLENNAN</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>571748102</cusip>
		<value>121516</value>
		<shrsOrPrnAmt>
			<sshPrnamt>655</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>655</Sole>
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			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>MARRIOTT INTERNATIONAL INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>571903202</cusip>
		<value>27611</value>
		<shrsOrPrnAmt>
			<sshPrnamt>89</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>89</Sole>
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			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>MARRIOTT INTERNATIONAL INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>571903202</cusip>
		<value>5329923</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17180</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2371</Sole>
			<Shared>0</Shared>
			<None>14809</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>MARVELL TECHNOLOGY INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>573874104</cusip>
		<value>1955</value>
		<shrsOrPrnAmt>
			<sshPrnamt>23</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>23</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>MARVELL TECHNOLOGY INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>573874104</cusip>
		<value>5574008</value>
		<shrsOrPrnAmt>
			<sshPrnamt>65592</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1000</Sole>
			<Shared>0</Shared>
			<None>64592</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MASCO CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>574599106</cusip>
		<value>906464</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14284</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>14221</Sole>
			<Shared>0</Shared>
			<None>63</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MASCO CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>574599106</cusip>
		<value>63460</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>MASCO CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>574599106</cusip>
		<value>108579</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1711</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1504</Sole>
			<Shared>0</Shared>
			<None>207</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MASTERCARD INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>57636Q104</cusip>
		<value>19980242</value>
		<shrsOrPrnAmt>
			<sshPrnamt>34999</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>34918</Sole>
			<Shared>0</Shared>
			<None>81</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MASTERCARD INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>57636Q104</cusip>
		<value>765551</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1341</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>341</Sole>
			<Shared>0</Shared>
			<None>1000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MASTERCARD INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>57636Q104</cusip>
		<value>15801956</value>
		<shrsOrPrnAmt>
			<sshPrnamt>27680</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>12524</Sole>
			<Shared>0</Shared>
			<None>15156</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MATADOR RESOURCES COMPANY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>576485205</cusip>
		<value>1527585</value>
		<shrsOrPrnAmt>
			<sshPrnamt>35994</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>35994</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MATERION CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>576690101</cusip>
		<value>1019424</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8200</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>8200</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>580135101</cusip>
		<value>5286480</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17297</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>17297</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>580135101</cusip>
		<value>11308</value>
		<shrsOrPrnAmt>
			<sshPrnamt>37</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>37</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>580135101</cusip>
		<value>2960640</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9687</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>9167</Sole>
			<Shared>0</Shared>
			<None>520</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MCKESSON CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>58155Q103</cusip>
		<value>1551170</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1891</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1891</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MCKESSON CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>58155Q103</cusip>
		<value>628343</value>
		<shrsOrPrnAmt>
			<sshPrnamt>766</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>766</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MERCADOLIBRE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>58733R102</cusip>
		<value>2014</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MERCADOLIBRE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>58733R102</cusip>
		<value>239697</value>
		<shrsOrPrnAmt>
			<sshPrnamt>119</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>119</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MERCK &amp; CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>58933Y105</cusip>
		<value>17677706</value>
		<shrsOrPrnAmt>
			<sshPrnamt>167943</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>167138</Sole>
			<Shared>0</Shared>
			<None>805</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MERCK &amp; CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>58933Y105</cusip>
		<value>206205</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1959</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>459</Sole>
			<Shared>0</Shared>
			<None>1500</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MERCK &amp; CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>58933Y105</cusip>
		<value>12578362</value>
		<shrsOrPrnAmt>
			<sshPrnamt>119498</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>97859</Sole>
			<Shared>0</Shared>
			<None>21639</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>METLIFE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>59156R108</cusip>
		<value>199086</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2522</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2522</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>METLIFE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>59156R108</cusip>
		<value>414592</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5252</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>5252</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MICROSOFT</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>594918104</cusip>
		<value>85770503</value>
		<shrsOrPrnAmt>
			<sshPrnamt>177351</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>175019</Sole>
			<Shared>0</Shared>
			<None>2332</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MICROSOFT</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>594918104</cusip>
		<value>2825307</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5842</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>822</Sole>
			<Shared>0</Shared>
			<None>5020</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MICROSOFT</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>594918104</cusip>
		<value>68126102</value>
		<shrsOrPrnAmt>
			<sshPrnamt>140867</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>62452</Sole>
			<Shared>0</Shared>
			<None>78415</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer> MICROSTRATEGY INC</nameOfIssuer>
		<titleOfClass>PREFERRED STOCK</titleOfClass>
		<cusip>594972879</cusip>
		<value>1394490</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13800</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>13800</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MICROCHIP TECHNOLOGY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>595017104</cusip>
		<value>1307598</value>
		<shrsOrPrnAmt>
			<sshPrnamt>20521</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>20521</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MICROCHIP TECHNOLOGY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>595017104</cusip>
		<value>29694</value>
		<shrsOrPrnAmt>
			<sshPrnamt>466</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>466</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MICROCHIP TECHNOLOGY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>595017104</cusip>
		<value>501350</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7868</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>7276</Sole>
			<Shared>0</Shared>
			<None>592</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MICRON TECHNOLOGY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>595112103</cusip>
		<value>563971</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1976</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1126</Sole>
			<Shared>0</Shared>
			<None>850</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MICRON TECHNOLOGY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>595112103</cusip>
		<value>444098</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1556</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>921</Sole>
			<Shared>0</Shared>
			<None>635</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MID AMERICA APART CMNTY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>59522J103</cusip>
		<value>321717</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2316</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2316</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MID AMERICA APART CMNTY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>59522J103</cusip>
		<value>82791</value>
		<shrsOrPrnAmt>
			<sshPrnamt>596</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>596</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MOELIS &amp; CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>60786M105</cusip>
		<value>611030</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8889</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>8889</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MONDELEZ INTERNATIONAL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>609207105</cusip>
		<value>2431829</value>
		<shrsOrPrnAmt>
			<sshPrnamt>45176</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>45176</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MONDELEZ INTERNATIONAL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>609207105</cusip>
		<value>111697</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2075</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>75</Sole>
			<Shared>0</Shared>
			<None>2000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MONDELEZ INTERNATIONAL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>609207105</cusip>
		<value>1836139</value>
		<shrsOrPrnAmt>
			<sshPrnamt>34110</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>31549</Sole>
			<Shared>0</Shared>
			<None>2561</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MOOG INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>615394202</cusip>
		<value>222848</value>
		<shrsOrPrnAmt>
			<sshPrnamt>915</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>915</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MOOG INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>615394202</cusip>
		<value>3509069</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14408</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>708</Sole>
			<Shared>0</Shared>
			<None>13700</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MORGAN STANLEY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>617446448</cusip>
		<value>6754142</value>
		<shrsOrPrnAmt>
			<sshPrnamt>38045</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>37987</Sole>
			<Shared>0</Shared>
			<None>58</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MORGAN STANLEY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>617446448</cusip>
		<value>288486</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1625</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>125</Sole>
			<Shared>0</Shared>
			<None>1500</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MORGAN STANLEY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>617446448</cusip>
		<value>6391441</value>
		<shrsOrPrnAmt>
			<sshPrnamt>36001</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>14295</Sole>
			<Shared>0</Shared>
			<None>21706</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EV</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>61774R809</cusip>
		<value>530033</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>EV</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>61774R817</cusip>
		<value>21434053</value>
		<shrsOrPrnAmt>
			<sshPrnamt>425194</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>425194</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MOTOROLA SOLUTIONS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>620076307</cusip>
		<value>231908</value>
		<shrsOrPrnAmt>
			<sshPrnamt>605</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>605</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>MOTOROLA SOLUTIONS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>620076307</cusip>
		<value>289024</value>
		<shrsOrPrnAmt>
			<sshPrnamt>754</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>389</Sole>
			<Shared>0</Shared>
			<None>365</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MUELLER WATER PRODUCTS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>624758108</cusip>
		<value>1899669</value>
		<shrsOrPrnAmt>
			<sshPrnamt>79751</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>79751</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NASDAQ OMX GROUP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>631103108</cusip>
		<value>85863</value>
		<shrsOrPrnAmt>
			<sshPrnamt>884</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>884</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>NASDAQ OMX GROUP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>631103108</cusip>
		<value>33996</value>
		<shrsOrPrnAmt>
			<sshPrnamt>350</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>350</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NASDAQ OMX GROUP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>631103108</cusip>
		<value>116847</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1203</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1203</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NATIONAL AUSTRALIA BANK</nameOfIssuer>
		<titleOfClass>FOREIGN BDS NTS</titleOfClass>
		<cusip>632525AW1</cusip>
		<value>177758</value>
		<shrsOrPrnAmt>
			<sshPrnamt>250000</sshPrnamt>
			<sshPrnamtType>PRN</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>250000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NNN REIT INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>637417106</cusip>
		<value>548329</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13836</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>13580</Sole>
			<Shared>0</Shared>
			<None>256</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NNN REIT INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>637417106</cusip>
		<value>187330</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4727</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4727</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NATIONAL STORAGE AFFILIATES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>637870106</cusip>
		<value>987350</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>NETFLIX INC.</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>64110L106</cusip>
		<value>14365531</value>
		<shrsOrPrnAmt>
			<sshPrnamt>153216</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>151029</Sole>
			<Shared>0</Shared>
			<None>2187</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NETFLIX INC.</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>64110L106</cusip>
		<value>120482</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1285</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1285</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NETFLIX INC.</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>64110L106</cusip>
		<value>1865357</value>
		<shrsOrPrnAmt>
			<sshPrnamt>19895</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>16246</Sole>
			<Shared>0</Shared>
			<None>3649</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>NEUROCRINE BIOSCIENCES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>64125C109</cusip>
		<value>2411110</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>17000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NEWMONT CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>651639106</cusip>
		<value>54419</value>
		<shrsOrPrnAmt>
			<sshPrnamt>545</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>545</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NEWMONT CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>651639106</cusip>
		<value>222366</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2227</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1212</Sole>
			<Shared>0</Shared>
			<None>1015</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>NEXTERA ENERGY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>65339F101</cusip>
		<value>6743036</value>
		<shrsOrPrnAmt>
			<sshPrnamt>83994</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>83663</Sole>
			<Shared>0</Shared>
			<None>331</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>NEXTERA ENERGY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>65339F101</cusip>
		<value>29704</value>
		<shrsOrPrnAmt>
			<sshPrnamt>370</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>370</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NEXTERA ENERGY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>65339F101</cusip>
		<value>3751323</value>
		<shrsOrPrnAmt>
			<sshPrnamt>46728</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>41699</Sole>
			<Shared>0</Shared>
			<None>5029</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NIKE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>654106103</cusip>
		<value>6273402</value>
		<shrsOrPrnAmt>
			<sshPrnamt>98468</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>98068</Sole>
			<Shared>0</Shared>
			<None>400</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>NIKE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>654106103</cusip>
		<value>63710</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>NIKE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>654106103</cusip>
		<value>942908</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14800</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>12820</Sole>
			<Shared>0</Shared>
			<None>1980</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>NISOURCE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>65473P105</cusip>
		<value>1129735</value>
		<shrsOrPrnAmt>
			<sshPrnamt>27053</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>26905</Sole>
			<Shared>0</Shared>
			<None>148</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>NISOURCE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>65473P105</cusip>
		<value>488718</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11703</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>8586</Sole>
			<Shared>0</Shared>
			<None>3117</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>NLIGHT INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>65487K100</cusip>
		<value>375100</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>10000</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>NORFOLK SOUTHERN</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>655844108</cusip>
		<value>894453</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3098</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3098</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NORFOLK SOUTHERN</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>655844108</cusip>
		<value>1055560</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3656</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2756</Sole>
			<Shared>0</Shared>
			<None>900</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>NORTHERN OIL &amp; GAS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>665531307</cusip>
		<value>1041295</value>
		<shrsOrPrnAmt>
			<sshPrnamt>48500</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>48500</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>NORTHRUP GRUMMAN CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>666807102</cusip>
		<value>145404</value>
		<shrsOrPrnAmt>
			<sshPrnamt>255</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>255</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NORTHRUP GRUMMAN CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>666807102</cusip>
		<value>797153</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1398</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>698</Sole>
			<Shared>0</Shared>
			<None>700</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NORTHWEST BANCSHARES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>667340103</cusip>
		<value>38400</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3200</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3200</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NORTHWEST BANCSHARES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>667340103</cusip>
		<value>185004</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15417</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>15417</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NOVARTIS A G ADR</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>66987V109</cusip>
		<value>295456</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2143</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2143</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NOVARTIS A G ADR</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>66987V109</cusip>
		<value>166409</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1207</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1207</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NOVO NORDISK A/S</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>670100205</cusip>
		<value>315866</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6208</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6208</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NOVO NORDISK A/S</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>670100205</cusip>
		<value>577234</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11345</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2635</Sole>
			<Shared>0</Shared>
			<None>8710</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NUCOR CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>670346105</cusip>
		<value>507108</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3109</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3109</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NUCOR CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>670346105</cusip>
		<value>832677</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5105</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3545</Sole>
			<Shared>0</Shared>
			<None>1560</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NUVEEN</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>670657105</cusip>
		<value>1030104</value>
		<shrsOrPrnAmt>
			<sshPrnamt>88573</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>88573</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NUVEEN</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>670657105</cusip>
		<value>287343</value>
		<shrsOrPrnAmt>
			<sshPrnamt>24707</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>24707</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NVIDIA CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>67066G104</cusip>
		<value>52742329</value>
		<shrsOrPrnAmt>
			<sshPrnamt>282800</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>270512</Sole>
			<Shared>0</Shared>
			<None>12288</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NVIDIA CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>67066G104</cusip>
		<value>359573</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1928</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1528</Sole>
			<Shared>0</Shared>
			<None>400</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NVIDIA CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>67066G104</cusip>
		<value>35077682</value>
		<shrsOrPrnAmt>
			<sshPrnamt>188084</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>65165</Sole>
			<Shared>0</Shared>
			<None>122919</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NUVEEN DIVIDEND ADVANTAGE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>67066V101</cusip>
		<value>99034</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8239</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>8239</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NUVEEN DIVIDEND ADVANTAGE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>67066V101</cusip>
		<value>54811</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4560</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4560</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NUVEEN</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>67070X101</cusip>
		<value>137827</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10956</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10956</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NUVEEN</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>67070X101</cusip>
		<value>1812</value>
		<shrsOrPrnAmt>
			<sshPrnamt>144</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>144</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NUVEEN</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>67071L106</cusip>
		<value>910241</value>
		<shrsOrPrnAmt>
			<sshPrnamt>71899</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>71899</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NUVEEN</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>67071L106</cusip>
		<value>26332</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2080</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2080</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NUVEEN</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>67073B106</cusip>
		<value>107149</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13212</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>13212</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NUVEEN MUNICIPAL VALUE FUND INC.</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>670928100</cusip>
		<value>12077</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1333</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1333</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NUVEEN MUNICIPAL VALUE FUND INC.</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>670928100</cusip>
		<value>152425</value>
		<shrsOrPrnAmt>
			<sshPrnamt>16824</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>16824</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>O&apos;REILLY AUTOMOTIVE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>67103H107</cusip>
		<value>2315273</value>
		<shrsOrPrnAmt>
			<sshPrnamt>25384</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>25384</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>O&apos;REILLY AUTOMOTIVE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>67103H107</cusip>
		<value>22346</value>
		<shrsOrPrnAmt>
			<sshPrnamt>245</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>245</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>O&apos;REILLY AUTOMOTIVE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>67103H107</cusip>
		<value>468183</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5133</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4088</Sole>
			<Shared>0</Shared>
			<None>1045</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>OSI SYSTEMS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>671044105</cusip>
		<value>2123885</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8327</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>8327</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>OLD NATIONAL BANCORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>680033107</cusip>
		<value>1907594</value>
		<shrsOrPrnAmt>
			<sshPrnamt>85504</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>85504</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>OMEGA HEALTHCARE INVESTORS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>681936100</cusip>
		<value>60702</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1369</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1369</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>OMEGA HEALTHCARE INVESTORS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>681936100</cusip>
		<value>190795</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4303</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3083</Sole>
			<Shared>0</Shared>
			<None>1220</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ONEOK, INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>682680103</cusip>
		<value>229029</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3116</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3116</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ONEOK, INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>682680103</cusip>
		<value>596673</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8118</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>8039</Sole>
			<Shared>0</Shared>
			<None>79</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ORACLE CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>68389X105</cusip>
		<value>5819233</value>
		<shrsOrPrnAmt>
			<sshPrnamt>29856</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>29856</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ORACLE CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>68389X105</cusip>
		<value>974550</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>ORACLE CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>68389X105</cusip>
		<value>10007068</value>
		<shrsOrPrnAmt>
			<sshPrnamt>51342</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>40682</Sole>
			<Shared>0</Shared>
			<None>10660</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ORMAT TECHNOLOGIES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>686688102</cusip>
		<value>1900084</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17200</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>17200</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>OTIS WORLDWIDE CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>68902V107</cusip>
		<value>1241077</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14208</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>14208</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>OTIS WORLDWIDE CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>68902V107</cusip>
		<value>26380</value>
		<shrsOrPrnAmt>
			<sshPrnamt>302</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>302</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>OTIS WORLDWIDE CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>68902V107</cusip>
		<value>1788405</value>
		<shrsOrPrnAmt>
			<sshPrnamt>20474</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>19187</Sole>
			<Shared>0</Shared>
			<None>1287</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>OXFORD LANE CAPITAL CORP</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>691543847</cusip>
		<value>440518</value>
		<shrsOrPrnAmt>
			<sshPrnamt>30090</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>30090</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PJT PARTNERS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>69343T107</cusip>
		<value>1962259</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11736</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>32</Sole>
			<Shared>0</Shared>
			<None>11704</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PNC FINANCIAL SERVICES GROUP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>693475105</cusip>
		<value>6548282</value>
		<shrsOrPrnAmt>
			<sshPrnamt>31372</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>31333</Sole>
			<Shared>0</Shared>
			<None>39</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PNC FINANCIAL SERVICES GROUP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>693475105</cusip>
		<value>27135</value>
		<shrsOrPrnAmt>
			<sshPrnamt>130</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>130</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PNC FINANCIAL SERVICES GROUP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>693475105</cusip>
		<value>6158789</value>
		<shrsOrPrnAmt>
			<sshPrnamt>29506</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>19927</Sole>
			<Shared>0</Shared>
			<None>9579</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PPG INDUSTRIES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>693506107</cusip>
		<value>1738235</value>
		<shrsOrPrnAmt>
			<sshPrnamt>16965</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>16965</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PPG INDUSTRIES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>693506107</cusip>
		<value>4466538</value>
		<shrsOrPrnAmt>
			<sshPrnamt>43593</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>11688</Sole>
			<Shared>0</Shared>
			<None>31905</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PACKAGING CORP OF AMERICA</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>695156109</cusip>
		<value>653336</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3168</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3168</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PACKAGING CORP OF AMERICA</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>695156109</cusip>
		<value>6599</value>
		<shrsOrPrnAmt>
			<sshPrnamt>32</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>32</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PALANTIR TECHNOLOGIES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>69608A108</cusip>
		<value>93141</value>
		<shrsOrPrnAmt>
			<sshPrnamt>524</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>524</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PALANTIR TECHNOLOGIES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>69608A108</cusip>
		<value>1914192</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10769</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>9608</Sole>
			<Shared>0</Shared>
			<None>1161</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PALO ALTO NETWORKS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>697435105</cusip>
		<value>20558183</value>
		<shrsOrPrnAmt>
			<sshPrnamt>111608</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>110920</Sole>
			<Shared>0</Shared>
			<None>688</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PALO ALTO NETWORKS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>697435105</cusip>
		<value>288457</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1566</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>366</Sole>
			<Shared>0</Shared>
			<None>1200</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PALO ALTO NETWORKS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>697435105</cusip>
		<value>9701260</value>
		<shrsOrPrnAmt>
			<sshPrnamt>52667</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>20511</Sole>
			<Shared>0</Shared>
			<None>32156</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PARKER-HANNIFIN CORP.</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>701094104</cusip>
		<value>13646768</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15526</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>15489</Sole>
			<Shared>0</Shared>
			<None>37</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PARKER-HANNIFIN CORP.</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>701094104</cusip>
		<value>287420</value>
		<shrsOrPrnAmt>
			<sshPrnamt>327</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>27</Sole>
			<Shared>0</Shared>
			<None>300</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PARKER-HANNIFIN CORP.</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>701094104</cusip>
		<value>11608428</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13207</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3954</Sole>
			<Shared>0</Shared>
			<None>9253</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PAYCHEX INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>704326107</cusip>
		<value>305017</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2719</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2719</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>PAYCHEX INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>704326107</cusip>
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			<sshPrnamt>1213</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1213</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>PAYCOM SOFTWARE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
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			<sshPrnamt>1312</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1312</Sole>
			<Shared>0</Shared>
			<None>0</None>
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	<infoTable>
		<nameOfIssuer>PAYPAL HOLDINGS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
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		<value>954045</value>
		<shrsOrPrnAmt>
			<sshPrnamt>16342</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>16319</Sole>
			<Shared>0</Shared>
			<None>23</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PAYPAL HOLDINGS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>70450Y103</cusip>
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		<shrsOrPrnAmt>
			<sshPrnamt>3435</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3232</Sole>
			<Shared>0</Shared>
			<None>203</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PENUMBRA INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>70975L107</cusip>
		<value>1865460</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>6000</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PEPSICO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>713448108</cusip>
		<value>7159066</value>
		<shrsOrPrnAmt>
			<sshPrnamt>49882</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>49178</Sole>
			<Shared>0</Shared>
			<None>704</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PEPSICO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>713448108</cusip>
		<value>528153</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3680</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>680</Sole>
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			<None>3000</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PEPSICO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>713448108</cusip>
		<value>8379271</value>
		<shrsOrPrnAmt>
			<sshPrnamt>58384</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>42709</Sole>
			<Shared>0</Shared>
			<None>15675</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PERELLA WEINBERG PARTNERS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>71367G102</cusip>
		<value>986100</value>
		<shrsOrPrnAmt>
			<sshPrnamt>57000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>57000</None>
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	<infoTable>
		<nameOfIssuer>REVVITY INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>714046109</cusip>
		<value>431699</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4462</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4462</Sole>
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			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PFIZER INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>717081103</cusip>
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		<shrsOrPrnAmt>
			<sshPrnamt>68039</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>68039</Sole>
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			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PFIZER INC</nameOfIssuer>
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		<cusip>717081103</cusip>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>103</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>PFIZER INC</nameOfIssuer>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>99128</Sole>
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			<None>10635</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PHILIP MORRIS INTL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>718172109</cusip>
		<value>2246564</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14006</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>14006</Sole>
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			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PHILIP MORRIS INTL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>718172109</cusip>
		<value>5614</value>
		<shrsOrPrnAmt>
			<sshPrnamt>35</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>35</Sole>
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			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PHILIP MORRIS INTL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>718172109</cusip>
		<value>2401830</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14974</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>13974</Sole>
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			<None>1000</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PHILLIPS 66</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>718546104</cusip>
		<value>2048256</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15873</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>15873</Sole>
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			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PHILLIPS 66</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>718546104</cusip>
		<value>250596</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1942</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
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			<Shared>0</Shared>
			<None>1942</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PHILLIPS 66</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>718546104</cusip>
		<value>3566280</value>
		<shrsOrPrnAmt>
			<sshPrnamt>27637</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>25010</Sole>
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			<None>2627</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PHREESIA INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>71944F106</cusip>
		<value>1091340</value>
		<shrsOrPrnAmt>
			<sshPrnamt>64500</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>64500</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PIMCO</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>72201R783</cusip>
		<value>2794360</value>
		<shrsOrPrnAmt>
			<sshPrnamt>29470</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>28978</Sole>
			<Shared>0</Shared>
			<None>492</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PIMCO</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>72201R783</cusip>
		<value>69315</value>
		<shrsOrPrnAmt>
			<sshPrnamt>731</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>731</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>PIMCO</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>72201Y101</cusip>
		<value>177614</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10029</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>10029</Sole>
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			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PINTEREST INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>72352L106</cusip>
		<value>1812300</value>
		<shrsOrPrnAmt>
			<sshPrnamt>70000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>70000</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PORTLAND GENERAL ELECTRIC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>736508847</cusip>
		<value>1751635</value>
		<shrsOrPrnAmt>
			<sshPrnamt>36500</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>36500</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>POTNETWORK HLDGS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>737636209</cusip>
		<value>0</value>
		<shrsOrPrnAmt>
			<sshPrnamt>103838</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>103838</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>POWELL INDUSTRIES, INC.</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>739128106</cusip>
		<value>2103948</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6600</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>6600</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PRESTIGE CONSUMER HEALTHCARE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>74112D101</cusip>
		<value>1086299</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17609</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>17609</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>T ROWE PRICE GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>74144T108</cusip>
		<value>195957</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1914</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1914</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>T ROWE PRICE GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>74144T108</cusip>
		<value>92654</value>
		<shrsOrPrnAmt>
			<sshPrnamt>905</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>905</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PRIMERICA INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>74164M108</cusip>
		<value>943272</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3651</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>3651</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PROCTER &amp; GAMBLE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>742718109</cusip>
		<value>17440412</value>
		<shrsOrPrnAmt>
			<sshPrnamt>121697</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>120960</Sole>
			<Shared>0</Shared>
			<None>737</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PROCTER &amp; GAMBLE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>742718109</cusip>
		<value>200921</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1402</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>402</Sole>
			<Shared>0</Shared>
			<None>1000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PROCTER &amp; GAMBLE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>742718109</cusip>
		<value>19134190</value>
		<shrsOrPrnAmt>
			<sshPrnamt>133516</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>93256</Sole>
			<Shared>0</Shared>
			<None>40260</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PROGRESSIVE CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>743315103</cusip>
		<value>3431961</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15071</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>15071</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PROGRESSIVE CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>743315103</cusip>
		<value>8653</value>
		<shrsOrPrnAmt>
			<sshPrnamt>38</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>38</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PROGRESSIVE CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>743315103</cusip>
		<value>1088957</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4782</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4332</Sole>
			<Shared>0</Shared>
			<None>450</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PROLOGIS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>74340W103</cusip>
		<value>634725</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4972</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4894</Sole>
			<Shared>0</Shared>
			<None>78</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PROLOGIS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>74340W103</cusip>
		<value>432257</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3386</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3386</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PROSHARES</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>74347B680</cusip>
		<value>488645</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5801</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5801</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PROSHARES</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>74347B698</cusip>
		<value>259892</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3934</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3934</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PROSHARES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>74347R107</cusip>
		<value>472048</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8150</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>8150</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PROSHARES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>74347R206</cusip>
		<value>201654</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2864</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2864</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PROSHARES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>74347R206</cusip>
		<value>1150218</value>
		<shrsOrPrnAmt>
			<sshPrnamt>16336</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>16336</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PRUDENTIAL FINANCIAL INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>744320102</cusip>
		<value>1436621</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12727</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>12398</Sole>
			<Shared>0</Shared>
			<None>329</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PRUDENTIAL FINANCIAL INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>744320102</cusip>
		<value>9030</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>PRUDENTIAL FINANCIAL INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>744320102</cusip>
		<value>1033301</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9154</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>8735</Sole>
			<Shared>0</Shared>
			<None>419</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PUBLIC SERVICE ENTERPRISE GROUP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>744573106</cusip>
		<value>456265</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5682</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5682</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PUBLIC SERVICE ENTERPRISE GROUP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>744573106</cusip>
		<value>75000</value>
		<shrsOrPrnAmt>
			<sshPrnamt>934</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>856</Sole>
			<Shared>0</Shared>
			<None>78</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PUBLIC STORAGE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>74460D109</cusip>
		<value>107433</value>
		<shrsOrPrnAmt>
			<sshPrnamt>414</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>414</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PUBLIC STORAGE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>74460D109</cusip>
		<value>110288</value>
		<shrsOrPrnAmt>
			<sshPrnamt>425</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>425</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PUTNAM MANAGED MUNICIPAL INCOME</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>746823103</cusip>
		<value>173680</value>
		<shrsOrPrnAmt>
			<sshPrnamt>27700</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>27700</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>QNITY ELECTRONICS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>74743L100</cusip>
		<value>843859</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10335</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10205</Sole>
			<Shared>0</Shared>
			<None>130</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>QNITY ELECTRONICS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>74743L100</cusip>
		<value>10697</value>
		<shrsOrPrnAmt>
			<sshPrnamt>131</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>131</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>QNITY ELECTRONICS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>74743L100</cusip>
		<value>711253</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8711</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>7549</Sole>
			<Shared>0</Shared>
			<None>1162</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>QUALCOMM INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>747525103</cusip>
		<value>1751728</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10242</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10242</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>QUALCOMM INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>747525103</cusip>
		<value>1252598</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7323</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4908</Sole>
			<Shared>0</Shared>
			<None>2415</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>QUALYS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>74758T303</cusip>
		<value>1615532</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12156</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>12156</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>QUANTA SERVICES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>74762E102</cusip>
		<value>74705</value>
		<shrsOrPrnAmt>
			<sshPrnamt>177</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>177</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>QUANTA SERVICES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>74762E102</cusip>
		<value>686270</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1626</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1416</Sole>
			<Shared>0</Shared>
			<None>210</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>QUEST DIAGNOSTICS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>74834L100</cusip>
		<value>65074</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>QUEST DIAGNOSTICS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>74834L100</cusip>
		<value>665488</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3835</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3015</Sole>
			<Shared>0</Shared>
			<None>820</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>RLI CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>749607107</cusip>
		<value>572749</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8952</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>8952</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>RAMBUS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>750917106</cusip>
		<value>1314027</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14300</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>14300</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>RTX CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>75513E101</cusip>
		<value>10506073</value>
		<shrsOrPrnAmt>
			<sshPrnamt>57285</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>57218</Sole>
			<Shared>0</Shared>
			<None>67</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>RTX CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>75513E101</cusip>
		<value>292707</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1596</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>779</Sole>
			<Shared>0</Shared>
			<None>817</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>RTX CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>75513E101</cusip>
		<value>17974117</value>
		<shrsOrPrnAmt>
			<sshPrnamt>98005</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>44673</Sole>
			<Shared>0</Shared>
			<None>53332</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>RBC BEARINGS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>75524B104</cusip>
		<value>560538</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1250</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1250</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>RECONNAISSANCE ENERGY AFRICA LTD</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>75624R108</cusip>
		<value>1366</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>RECONNAISSANCE ENERGY AFRICA LTD</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>75624R108</cusip>
		<value>14344</value>
		<shrsOrPrnAmt>
			<sshPrnamt>21000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>21000</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>REPUBLIC SERVICES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>760759100</cusip>
		<value>106178</value>
		<shrsOrPrnAmt>
			<sshPrnamt>501</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>501</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>REPUBLIC SERVICES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>760759100</cusip>
		<value>143265</value>
		<shrsOrPrnAmt>
			<sshPrnamt>676</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>176</Sole>
			<Shared>0</Shared>
			<None>500</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>RIGHTMOVE PLC</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>76657Y101</cusip>
		<value>407235</value>
		<shrsOrPrnAmt>
			<sshPrnamt>29382</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>29382</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ROBINHOOD MARKETS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>770700102</cusip>
		<value>83694</value>
		<shrsOrPrnAmt>
			<sshPrnamt>740</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>740</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ROBINHOOD MARKETS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>770700102</cusip>
		<value>172818</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1528</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1183</Sole>
			<Shared>0</Shared>
			<None>345</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ROCKWELL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>773903109</cusip>
		<value>965674</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2482</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2482</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ROCKWELL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>773903109</cusip>
		<value>1352018</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3475</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3157</Sole>
			<Shared>0</Shared>
			<None>318</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ROPER TECHNOLOGIES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>776696106</cusip>
		<value>154905</value>
		<shrsOrPrnAmt>
			<sshPrnamt>348</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>348</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ROPER TECHNOLOGIES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>776696106</cusip>
		<value>13354</value>
		<shrsOrPrnAmt>
			<sshPrnamt>30</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>30</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ROPER TECHNOLOGIES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>776696106</cusip>
		<value>1088789</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2446</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>565</Sole>
			<Shared>0</Shared>
			<None>1881</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SHELL PLC</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>780259305</cusip>
		<value>592029</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8057</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>8057</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SHELL PLC</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>780259305</cusip>
		<value>919087</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12508</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>8274</Sole>
			<Shared>0</Shared>
			<None>4234</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ROYAL GOLD INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>780287108</cusip>
		<value>200061</value>
		<shrsOrPrnAmt>
			<sshPrnamt>900</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>900</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>78409V104</cusip>
		<value>510046</value>
		<shrsOrPrnAmt>
			<sshPrnamt>976</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>976</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>78409V104</cusip>
		<value>129080</value>
		<shrsOrPrnAmt>
			<sshPrnamt>247</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>220</Sole>
			<Shared>0</Shared>
			<None>27</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STATE STREET SPDR</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>78462F103</cusip>
		<value>13360176</value>
		<shrsOrPrnAmt>
			<sshPrnamt>19592</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>18479</Sole>
			<Shared>0</Shared>
			<None>1113</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STATE STREET SPDR</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>78462F103</cusip>
		<value>697604</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1023</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1023</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STATE STREET SPDR</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>78462F103</cusip>
		<value>6448234</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9456</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>6351</Sole>
			<Shared>0</Shared>
			<None>3105</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>ALTERNATIVE FUN</titleOfClass>
		<cusip>78463V107</cusip>
		<value>3494265</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8817</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>8739</Sole>
			<Shared>0</Shared>
			<None>78</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>ALTERNATIVE FUN</titleOfClass>
		<cusip>78463V107</cusip>
		<value>16249</value>
		<shrsOrPrnAmt>
			<sshPrnamt>41</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>41</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>ALTERNATIVE FUN</titleOfClass>
		<cusip>78463V107</cusip>
		<value>4714901</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11897</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1766</Sole>
			<Shared>0</Shared>
			<None>10131</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STATE STREET SPDR</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>78464A102</cusip>
		<value>283715</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1021</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1021</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STATE STREET SPDR</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>78464A359</cusip>
		<value>3644800</value>
		<shrsOrPrnAmt>
			<sshPrnamt>40861</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>40861</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STATE STREET SPDR</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>78464A359</cusip>
		<value>609950</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6838</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>6838</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STATE STREET SPDR</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>78464A631</cusip>
		<value>238586</value>
		<shrsOrPrnAmt>
			<sshPrnamt>989</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>84</Sole>
			<Shared>0</Shared>
			<None>905</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STATE STREET SPDR</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>78464A698</cusip>
		<value>675385</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10421</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10421</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STATE STREET SPDR</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>78464A698</cusip>
		<value>388860</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>6000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STATE STREET SPDR</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>78464A698</cusip>
		<value>151008</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2330</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1905</Sole>
			<Shared>0</Shared>
			<None>425</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STATE STREET SPDR</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>78464A763</cusip>
		<value>9143375</value>
		<shrsOrPrnAmt>
			<sshPrnamt>65704</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>65704</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STATE STREET SPDR</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>78464A763</cusip>
		<value>102978</value>
		<shrsOrPrnAmt>
			<sshPrnamt>740</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>740</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STATE STREET SPDR</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>78464A763</cusip>
		<value>2587680</value>
		<shrsOrPrnAmt>
			<sshPrnamt>18595</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>18195</Sole>
			<Shared>0</Shared>
			<None>400</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STATE STREET SPDR</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>78467Y107</cusip>
		<value>1749511</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2900</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2874</Sole>
			<Shared>0</Shared>
			<None>26</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STATE STREET SPDR</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>78467Y107</cusip>
		<value>1204750</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1997</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1997</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STATE STREET SPDR</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>78468R101</cusip>
		<value>464527</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15865</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>15865</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STATE STREET SPDR</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>78468R663</cusip>
		<value>4306471</value>
		<shrsOrPrnAmt>
			<sshPrnamt>47127</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>46323</Sole>
			<Shared>0</Shared>
			<None>804</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STATE STREET SPDR</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>78468R663</cusip>
		<value>165673</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1813</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1813</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SABRA HEALTH CARE REIT INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>78573L106</cusip>
		<value>924366</value>
		<shrsOrPrnAmt>
			<sshPrnamt>48805</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>176</Sole>
			<Shared>0</Shared>
			<None>48629</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SALESFORCE INC </nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>79466L302</cusip>
		<value>16668935</value>
		<shrsOrPrnAmt>
			<sshPrnamt>62923</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>62755</Sole>
			<Shared>0</Shared>
			<None>168</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SALESFORCE INC </nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>79466L302</cusip>
		<value>271003</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1023</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>23</Sole>
			<Shared>0</Shared>
			<None>1000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SALESFORCE INC </nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>79466L302</cusip>
		<value>9268148</value>
		<shrsOrPrnAmt>
			<sshPrnamt>34986</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>10850</Sole>
			<Shared>0</Shared>
			<None>24136</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SANOFI CVR</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>80105N105</cusip>
		<value>238762</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4927</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1027</Sole>
			<Shared>0</Shared>
			<None>3900</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SLB LIMITED</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>806857108</cusip>
		<value>169372</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4413</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4413</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SLB LIMITED</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>806857108</cusip>
		<value>13433</value>
		<shrsOrPrnAmt>
			<sshPrnamt>350</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>350</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SLB LIMITED</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>806857108</cusip>
		<value>197044</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5134</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4634</Sole>
			<Shared>0</Shared>
			<None>500</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SCHOLAR ROCK HOLDING CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>80706P103</cusip>
		<value>440500</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>SCHRODINGER INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>80810D103</cusip>
		<value>838572</value>
		<shrsOrPrnAmt>
			<sshPrnamt>46900</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>46900</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHARLES SCHWAB CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>808513105</cusip>
		<value>38366</value>
		<shrsOrPrnAmt>
			<sshPrnamt>384</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>384</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHARLES SCHWAB CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>808513105</cusip>
		<value>518734</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5192</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>5192</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SCHWAB</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>808524300</cusip>
		<value>4975600</value>
		<shrsOrPrnAmt>
			<sshPrnamt>152532</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>130620</Sole>
			<Shared>0</Shared>
			<None>21912</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SCHWAB</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>808524300</cusip>
		<value>11711</value>
		<shrsOrPrnAmt>
			<sshPrnamt>359</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>359</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SCHWAB</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>808524797</cusip>
		<value>2315174</value>
		<shrsOrPrnAmt>
			<sshPrnamt>84403</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>67134</Sole>
			<Shared>0</Shared>
			<None>17269</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SCHWAB</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>808524797</cusip>
		<value>21917</value>
		<shrsOrPrnAmt>
			<sshPrnamt>799</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>334</Sole>
			<Shared>0</Shared>
			<None>465</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SCHWAB</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>808524839</cusip>
		<value>559875</value>
		<shrsOrPrnAmt>
			<sshPrnamt>23957</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>23957</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SCHWAB</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>808524862</cusip>
		<value>212507</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8720</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>8720</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STATE STREET</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>81369Y209</cusip>
		<value>748922</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4838</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4838</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STATE STREET</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>81369Y209</cusip>
		<value>146906</value>
		<shrsOrPrnAmt>
			<sshPrnamt>949</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>949</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STATE STREET</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>81369Y407</cusip>
		<value>86930</value>
		<shrsOrPrnAmt>
			<sshPrnamt>728</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>728</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STATE STREET</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>81369Y407</cusip>
		<value>1433159</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12002</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>802</Sole>
			<Shared>0</Shared>
			<None>11200</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STATE STREET</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>81369Y506</cusip>
		<value>286144</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6400</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6400</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STATE STREET</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>81369Y506</cusip>
		<value>186441</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4170</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4170</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STATE STREET</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>81369Y605</cusip>
		<value>779380</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14230</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>14195</Sole>
			<Shared>0</Shared>
			<None>35</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STATE STREET</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>81369Y605</cusip>
		<value>142073</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2594</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1329</Sole>
			<Shared>0</Shared>
			<None>1265</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STATE STREET</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>81369Y704</cusip>
		<value>493126</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3179</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3179</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STATE STREET</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>81369Y704</cusip>
		<value>73682</value>
		<shrsOrPrnAmt>
			<sshPrnamt>475</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>475</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STATE STREET</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>81369Y803</cusip>
		<value>1165581</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8096</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>8096</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STATE STREET</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>81369Y803</cusip>
		<value>3471982</value>
		<shrsOrPrnAmt>
			<sshPrnamt>24116</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>10686</Sole>
			<Shared>0</Shared>
			<None>13430</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STATE STREET</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>81369Y852</cusip>
		<value>214603</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1823</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1823</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STATE STREET</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>81369Y852</cusip>
		<value>284294</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2415</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2415</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STATE STREET</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>81369Y886</cusip>
		<value>705923</value>
		<shrsOrPrnAmt>
			<sshPrnamt>16536</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>16536</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STATE STREET</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>81369Y886</cusip>
		<value>232575</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5448</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>5448</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SEMPRA ENERGY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>816851109</cusip>
		<value>203421</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2304</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1304</Sole>
			<Shared>0</Shared>
			<None>1000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SEMPRA ENERGY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>816851109</cusip>
		<value>120958</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1370</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1370</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SENTINELONE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>81730H109</cusip>
		<value>1539000</value>
		<shrsOrPrnAmt>
			<sshPrnamt>102600</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>200</Sole>
			<Shared>0</Shared>
			<None>102400</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SERVICENOW INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>81762P102</cusip>
		<value>239743</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1565</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1465</Sole>
			<Shared>0</Shared>
			<None>100</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SERVICENOW INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>81762P102</cusip>
		<value>172339</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1125</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>500</Sole>
			<Shared>0</Shared>
			<None>625</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SHERWIN WILLIAMS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>824348106</cusip>
		<value>118272</value>
		<shrsOrPrnAmt>
			<sshPrnamt>365</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>365</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SHERWIN WILLIAMS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>824348106</cusip>
		<value>471464</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1455</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1155</Sole>
			<Shared>0</Shared>
			<None>300</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SHOPIFY INC. CLASS A</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>82509L107</cusip>
		<value>6695551</value>
		<shrsOrPrnAmt>
			<sshPrnamt>41595</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>41460</Sole>
			<Shared>0</Shared>
			<None>135</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SHOPIFY INC. CLASS A</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>82509L107</cusip>
		<value>58432</value>
		<shrsOrPrnAmt>
			<sshPrnamt>363</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>363</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SHOPIFY INC. CLASS A</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>82509L107</cusip>
		<value>4718675</value>
		<shrsOrPrnAmt>
			<sshPrnamt>29314</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4616</Sole>
			<Shared>0</Shared>
			<None>24698</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SIMMONS FIRST NATIONAL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>828730200</cusip>
		<value>1779440</value>
		<shrsOrPrnAmt>
			<sshPrnamt>94400</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>94400</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SIMON PROPERTY GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>828806109</cusip>
		<value>120322</value>
		<shrsOrPrnAmt>
			<sshPrnamt>650</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>550</Sole>
			<Shared>0</Shared>
			<None>100</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SIMON PROPERTY GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>828806109</cusip>
		<value>325979</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1761</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>416</Sole>
			<Shared>0</Shared>
			<None>1345</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>THE SIMPLY GOOD FOODS COMPANY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>82900L102</cusip>
		<value>642560</value>
		<shrsOrPrnAmt>
			<sshPrnamt>32000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>32000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SIMPSON MANUFACTURING CO. INC.</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>829073105</cusip>
		<value>814455</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5044</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>5044</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>JM SMUCKER CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>832696405</cusip>
		<value>42449</value>
		<shrsOrPrnAmt>
			<sshPrnamt>434</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>434</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>JM SMUCKER CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>832696405</cusip>
		<value>257730</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2635</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1925</Sole>
			<Shared>0</Shared>
			<None>710</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SNOWFLAKE INC-CL A</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>833445109</cusip>
		<value>18646</value>
		<shrsOrPrnAmt>
			<sshPrnamt>85</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>85</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SNOWFLAKE INC-CL A</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>833445109</cusip>
		<value>3350724</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15275</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>400</Sole>
			<Shared>0</Shared>
			<None>14875</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SOCIETE GENERALE</nameOfIssuer>
		<titleOfClass>FOREIGN BDS NTS</titleOfClass>
		<cusip>83368RBC5</cusip>
		<value>247303</value>
		<shrsOrPrnAmt>
			<sshPrnamt>250000</sshPrnamt>
			<sshPrnamtType>PRN</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>250000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SOLSTICE ADVANCED MATERIALS INC </nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>83443Q103</cusip>
		<value>334188</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6879</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6834</Sole>
			<Shared>0</Shared>
			<None>45</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SOLSTICE ADVANCED MATERIALS INC </nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>83443Q103</cusip>
		<value>36435</value>
		<shrsOrPrnAmt>
			<sshPrnamt>750</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>750</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SOLSTICE ADVANCED MATERIALS INC </nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>83443Q103</cusip>
		<value>277885</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5720</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>5512</Sole>
			<Shared>0</Shared>
			<None>208</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SOLVENTUM CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>83444M101</cusip>
		<value>137006</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1729</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1729</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SOLVENTUM CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>83444M101</cusip>
		<value>281539</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3553</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3428</Sole>
			<Shared>0</Shared>
			<None>125</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SOUTHERN CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>842587107</cusip>
		<value>1245304</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14281</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>14281</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SOUTHERN CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>842587107</cusip>
		<value>348800</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>4000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SOUTHERN CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>842587107</cusip>
		<value>2639019</value>
		<shrsOrPrnAmt>
			<sshPrnamt>30264</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>25457</Sole>
			<Shared>0</Shared>
			<None>4807</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BLOCK INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>852234103</cusip>
		<value>6509</value>
		<shrsOrPrnAmt>
			<sshPrnamt>100</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>100</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BLOCK INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>852234103</cusip>
		<value>316728</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4866</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4866</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STANDARD CHARTERED PLC</nameOfIssuer>
		<titleOfClass>FOREIGN BDS NTS</titleOfClass>
		<cusip>853254BZ2</cusip>
		<value>249763</value>
		<shrsOrPrnAmt>
			<sshPrnamt>250000</sshPrnamt>
			<sshPrnamtType>PRN</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>250000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>855244109</cusip>
		<value>3924445</value>
		<shrsOrPrnAmt>
			<sshPrnamt>46603</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>46534</Sole>
			<Shared>0</Shared>
			<None>69</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>855244109</cusip>
		<value>106021</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1259</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>259</Sole>
			<Shared>0</Shared>
			<None>1000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>855244109</cusip>
		<value>1791318</value>
		<shrsOrPrnAmt>
			<sshPrnamt>21272</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>19925</Sole>
			<Shared>0</Shared>
			<None>1347</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STRYKER CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>863667101</cusip>
		<value>9131194</value>
		<shrsOrPrnAmt>
			<sshPrnamt>25980</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>25471</Sole>
			<Shared>0</Shared>
			<None>509</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STRYKER CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>863667101</cusip>
		<value>33039</value>
		<shrsOrPrnAmt>
			<sshPrnamt>94</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>44</Sole>
			<Shared>0</Shared>
			<None>50</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STRYKER CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>863667101</cusip>
		<value>2617396</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7447</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>6955</Sole>
			<Shared>0</Shared>
			<None>492</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SURGERY PARTNERS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>86881A100</cusip>
		<value>1854000</value>
		<shrsOrPrnAmt>
			<sshPrnamt>120000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>120000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SYNDAX PHARMACEUTICALS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>87164F105</cusip>
		<value>777370</value>
		<shrsOrPrnAmt>
			<sshPrnamt>37000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>37000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SYNCHRONY FINANCIAL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>87165B103</cusip>
		<value>113131</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1356</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1356</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SYNCHRONY FINANCIAL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>87165B103</cusip>
		<value>482058</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5778</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1073</Sole>
			<Shared>0</Shared>
			<None>4705</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SYSCO CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>871829107</cusip>
		<value>95060</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1290</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1290</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SYSCO CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>871829107</cusip>
		<value>197710</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2683</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2123</Sole>
			<Shared>0</Shared>
			<None>560</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TJX COMPANIES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>872540109</cusip>
		<value>11119221</value>
		<shrsOrPrnAmt>
			<sshPrnamt>72386</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>72118</Sole>
			<Shared>0</Shared>
			<None>268</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TJX COMPANIES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>872540109</cusip>
		<value>58372</value>
		<shrsOrPrnAmt>
			<sshPrnamt>380</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>380</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TJX COMPANIES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>872540109</cusip>
		<value>3388643</value>
		<shrsOrPrnAmt>
			<sshPrnamt>22060</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>16792</Sole>
			<Shared>0</Shared>
			<None>5268</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>T-MOBILE US INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>872590104</cusip>
		<value>9941041</value>
		<shrsOrPrnAmt>
			<sshPrnamt>48961</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>48770</Sole>
			<Shared>0</Shared>
			<None>191</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>T-MOBILE US INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>872590104</cusip>
		<value>1316918</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6486</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4511</Sole>
			<Shared>0</Shared>
			<None>1975</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TPG INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>872657101</cusip>
		<value>702240</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>11000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TTM TECHNOLOGIES, INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>87305R109</cusip>
		<value>1918200</value>
		<shrsOrPrnAmt>
			<sshPrnamt>27800</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>27800</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TAIWAN SEMICONDUCTOR</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>874039100</cusip>
		<value>1207357</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3973</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2923</Sole>
			<Shared>0</Shared>
			<None>1050</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TAIWAN SEMICONDUCTOR</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>874039100</cusip>
		<value>54700</value>
		<shrsOrPrnAmt>
			<sshPrnamt>180</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>180</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TAIWAN SEMICONDUCTOR</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>874039100</cusip>
		<value>4377841</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14406</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>14006</Sole>
			<Shared>0</Shared>
			<None>400</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TARGET CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>87612E106</cusip>
		<value>36756</value>
		<shrsOrPrnAmt>
			<sshPrnamt>376</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>376</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TARGET CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>87612E106</cusip>
		<value>61192</value>
		<shrsOrPrnAmt>
			<sshPrnamt>626</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>626</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TARGET CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>87612E106</cusip>
		<value>1325393</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13559</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3221</Sole>
			<Shared>0</Shared>
			<None>10338</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TESLA INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>88160R101</cusip>
		<value>13384119</value>
		<shrsOrPrnAmt>
			<sshPrnamt>29761</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>29615</Sole>
			<Shared>0</Shared>
			<None>146</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TESLA INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>88160R101</cusip>
		<value>20237</value>
		<shrsOrPrnAmt>
			<sshPrnamt>45</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>45</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TESLA INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>88160R101</cusip>
		<value>11425136</value>
		<shrsOrPrnAmt>
			<sshPrnamt>25405</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4345</Sole>
			<Shared>0</Shared>
			<None>21060</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TEXAS INSTRUMENTS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>882508104</cusip>
		<value>9915309</value>
		<shrsOrPrnAmt>
			<sshPrnamt>57152</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>57117</Sole>
			<Shared>0</Shared>
			<None>35</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TEXAS INSTRUMENTS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>882508104</cusip>
		<value>1185283</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6832</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>332</Sole>
			<Shared>0</Shared>
			<None>6500</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TEXAS INSTRUMENTS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>882508104</cusip>
		<value>13958493</value>
		<shrsOrPrnAmt>
			<sshPrnamt>80457</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>70065</Sole>
			<Shared>0</Shared>
			<None>10392</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TEXTRON INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>883203101</cusip>
		<value>34955</value>
		<shrsOrPrnAmt>
			<sshPrnamt>401</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>401</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TEXTRON INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>883203101</cusip>
		<value>396362</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4547</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4475</Sole>
			<Shared>0</Shared>
			<None>72</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>THERMO FISHER SCIENTIFIC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>883556102</cusip>
		<value>15451632</value>
		<shrsOrPrnAmt>
			<sshPrnamt>26666</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>26547</Sole>
			<Shared>0</Shared>
			<None>119</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>THERMO FISHER SCIENTIFIC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>883556102</cusip>
		<value>202808</value>
		<shrsOrPrnAmt>
			<sshPrnamt>350</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>350</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>THERMO FISHER SCIENTIFIC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>883556102</cusip>
		<value>9936996</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17149</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4936</Sole>
			<Shared>0</Shared>
			<None>12213</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>THIRD STREET BANCSHARES, INC.</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>884283102</cusip>
		<value>384082</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4508</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4508</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>3M COMPANY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>88579Y101</cusip>
		<value>3560313</value>
		<shrsOrPrnAmt>
			<sshPrnamt>22238</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>22238</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>3M COMPANY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>88579Y101</cusip>
		<value>24015</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>3M COMPANY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>88579Y101</cusip>
		<value>3467129</value>
		<shrsOrPrnAmt>
			<sshPrnamt>21656</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>21156</Sole>
			<Shared>0</Shared>
			<None>500</None>
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	<infoTable>
		<nameOfIssuer>SP FUND</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>886364801</cusip>
		<value>422605</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8275</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3875</Sole>
			<Shared>0</Shared>
			<None>4400</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TORTOISE NORTH AMERICAN</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>890930308</cusip>
		<value>914851</value>
		<shrsOrPrnAmt>
			<sshPrnamt>25921</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>25921</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TORTOISE NORTH AMERICAN</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>890930308</cusip>
		<value>30882</value>
		<shrsOrPrnAmt>
			<sshPrnamt>875</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>875</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TORTOISE NORTH AMERICAN</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>890930308</cusip>
		<value>4588</value>
		<shrsOrPrnAmt>
			<sshPrnamt>130</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>130</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TORO COMPANY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>891092108</cusip>
		<value>764844</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9716</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>9716</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TORONTO-DOMINION BANK</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>891160509</cusip>
		<value>489934</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5201</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5201</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TORONTO-DOMINION BANK</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>891160509</cusip>
		<value>155147</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1647</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1647</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>THE TRAVELERS COMPANIES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>89417E109</cusip>
		<value>152282</value>
		<shrsOrPrnAmt>
			<sshPrnamt>525</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>525</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>THE TRAVELERS COMPANIES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>89417E109</cusip>
		<value>353583</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1219</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>219</Sole>
			<Shared>0</Shared>
			<None>1000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TRUIST FINANCIAL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>89832Q109</cusip>
		<value>1843313</value>
		<shrsOrPrnAmt>
			<sshPrnamt>37458</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>37458</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TRUIST FINANCIAL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>89832Q109</cusip>
		<value>1072828</value>
		<shrsOrPrnAmt>
			<sshPrnamt>21801</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>21383</Sole>
			<Shared>0</Shared>
			<None>418</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TYSON FOODS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>902494103</cusip>
		<value>119409</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2037</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2037</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TYSON FOODS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>902494103</cusip>
		<value>226450</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3863</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1478</Sole>
			<Shared>0</Shared>
			<None>2385</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UGI CORP HOLDING CO.</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>902681105</cusip>
		<value>179552</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4797</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4797</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UGI CORP HOLDING CO.</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>902681105</cusip>
		<value>111991</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2992</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2199</Sole>
			<Shared>0</Shared>
			<None>793</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UFP INDUSTRIES </nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>90278Q108</cusip>
		<value>504690</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5543</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>100</Sole>
			<Shared>0</Shared>
			<None>5443</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>US BANCORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>902973304</cusip>
		<value>12626270</value>
		<shrsOrPrnAmt>
			<sshPrnamt>236624</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>235837</Sole>
			<Shared>0</Shared>
			<None>787</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>US BANCORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>902973304</cusip>
		<value>7470</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>US BANCORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>902973304</cusip>
		<value>4567834</value>
		<shrsOrPrnAmt>
			<sshPrnamt>85604</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>45140</Sole>
			<Shared>0</Shared>
			<None>40464</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UBER TECHNOLOGIES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>90353T100</cusip>
		<value>11605846</value>
		<shrsOrPrnAmt>
			<sshPrnamt>142037</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>141501</Sole>
			<Shared>0</Shared>
			<None>536</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UBER TECHNOLOGIES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>90353T100</cusip>
		<value>46166</value>
		<shrsOrPrnAmt>
			<sshPrnamt>565</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>565</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UBER TECHNOLOGIES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>90353T100</cusip>
		<value>4413163</value>
		<shrsOrPrnAmt>
			<sshPrnamt>54010</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>13775</Sole>
			<Shared>0</Shared>
			<None>40235</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ULTA BEAUTY INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>90384S303</cusip>
		<value>1032141</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1706</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1678</Sole>
			<Shared>0</Shared>
			<None>28</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ULTA BEAUTY INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>90384S303</cusip>
		<value>456780</value>
		<shrsOrPrnAmt>
			<sshPrnamt>755</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>680</Sole>
			<Shared>0</Shared>
			<None>75</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UNION PACIFIC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>907818108</cusip>
		<value>3468644</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14995</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>14995</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UNION PACIFIC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>907818108</cusip>
		<value>3216737</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13906</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>12376</Sole>
			<Shared>0</Shared>
			<None>1530</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UNITED COMMUNITY BANKS/GA</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>90984P303</cusip>
		<value>1823248</value>
		<shrsOrPrnAmt>
			<sshPrnamt>58400</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>58400</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UNITED BANKSHARES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>909907107</cusip>
		<value>1523903</value>
		<shrsOrPrnAmt>
			<sshPrnamt>39685</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>39685</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UNITED BANKSHARES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>909907107</cusip>
		<value>2881307</value>
		<shrsOrPrnAmt>
			<sshPrnamt>75034</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>57970</Sole>
			<Shared>0</Shared>
			<None>17064</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UNITED BANCORP INC/OHIO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>909911109</cusip>
		<value>192950</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13446</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>13446</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UNITED BANCORP INC/OHIO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>909911109</cusip>
		<value>81795</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5700</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>5700</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UNITED BANCORP INC/OHIO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>909911109</cusip>
		<value>189621</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13214</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>13214</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UNITED PARCEL SERVICE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>911312106</cusip>
		<value>377619</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3807</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3807</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UNITED PARCEL SERVICE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>911312106</cusip>
		<value>99190</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>4118172</value>
		<shrsOrPrnAmt>
			<sshPrnamt>41518</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>39043</Sole>
			<Shared>0</Shared>
			<None>2475</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UNITED RENTALS, INC.</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>911363109</cusip>
		<value>174004</value>
		<shrsOrPrnAmt>
			<sshPrnamt>215</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>215</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UNITED RENTALS, INC.</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>911363109</cusip>
		<value>299448</value>
		<shrsOrPrnAmt>
			<sshPrnamt>370</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
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		<investmentDiscretion>OTR</investmentDiscretion>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<investmentDiscretion>DFND</investmentDiscretion>
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		<investmentDiscretion>OTR</investmentDiscretion>
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			<None>70000</None>
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		<investmentDiscretion>OTR</investmentDiscretion>
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		<investmentDiscretion>OTR</investmentDiscretion>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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	<infoTable>
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		<shrsOrPrnAmt>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
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	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
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		<cusip>921910873</cusip>
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		<shrsOrPrnAmt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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		<cusip>921910873</cusip>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
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	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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		<nameOfIssuer>VANGUARD</nameOfIssuer>
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		<cusip>921937793</cusip>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
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		<shrsOrPrnAmt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
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		<shrsOrPrnAmt>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
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	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
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		<shrsOrPrnAmt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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	<infoTable>
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		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
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		<shrsOrPrnAmt>
			<sshPrnamt>943</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
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	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
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		<shrsOrPrnAmt>
			<sshPrnamt>297636</sshPrnamt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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			<None>1113</None>
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	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
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		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
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	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
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		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
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	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
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		<shrsOrPrnAmt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
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		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
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	<infoTable>
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		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
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		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
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	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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	<infoTable>
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		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
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		<shrsOrPrnAmt>
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		<investmentDiscretion>OTR</investmentDiscretion>
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		<shrsOrPrnAmt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
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	<infoTable>
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		<investmentDiscretion>DFND</investmentDiscretion>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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		<investmentDiscretion>DFND</investmentDiscretion>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
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			<None>52000</None>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
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			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2949</Sole>
			<Shared>0</Shared>
			<None>3068</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>VITAL FARMS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>92847W103</cusip>
		<value>479100</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>VODAFONE GROUP</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>92857W308</cusip>
		<value>202391</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15321</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>15321</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VODAFONE GROUP</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>92857W308</cusip>
		<value>54821</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4150</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4150</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>VULCAN MATERIALS CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>929160109</cusip>
		<value>506268</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1775</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1775</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VULCAN MATERIALS CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>929160109</cusip>
		<value>512256</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1796</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1766</Sole>
			<Shared>0</Shared>
			<None>30</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>WEC ENERGY GROUP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>92939U106</cusip>
		<value>663238</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6289</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6289</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>WEC ENERGY GROUP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>92939U106</cusip>
		<value>164413</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1559</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>559</Sole>
			<Shared>0</Shared>
			<None>1000</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>WALMART INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>931142103</cusip>
		<value>22439104</value>
		<shrsOrPrnAmt>
			<sshPrnamt>201410</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>195864</Sole>
			<Shared>0</Shared>
			<None>5546</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>WALMART INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>931142103</cusip>
		<value>455335</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4087</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1087</Sole>
			<Shared>0</Shared>
			<None>3000</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>WALMART INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>931142103</cusip>
		<value>12665425</value>
		<shrsOrPrnAmt>
			<sshPrnamt>113683</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>50290</Sole>
			<Shared>0</Shared>
			<None>63393</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>WARNER BROS DISCOVERY INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>934423104</cusip>
		<value>102139</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3544</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3369</Sole>
			<Shared>0</Shared>
			<None>175</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>WARNER BROS DISCOVERY INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>386</Sole>
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			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>WARNER BROS DISCOVERY INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>934423104</cusip>
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			<sshPrnamt>10428</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>8711</Sole>
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			<None>1717</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>WASTE MANAGEMENT INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>94106L109</cusip>
		<value>2267410</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10320</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10280</Sole>
			<Shared>0</Shared>
			<None>40</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>WASTE MANAGEMENT INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>94106L109</cusip>
		<value>41305</value>
		<shrsOrPrnAmt>
			<sshPrnamt>188</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>188</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>WASTE MANAGEMENT INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>94106L109</cusip>
		<value>411738</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1874</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1874</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>WATTS WATER TECHNOLOGIES INC A</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>942749102</cusip>
		<value>707991</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2565</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2565</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>WELLS FARGO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>949746101</cusip>
		<value>1985341</value>
		<shrsOrPrnAmt>
			<sshPrnamt>21302</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>20932</Sole>
			<Shared>0</Shared>
			<None>370</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>WELLS FARGO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>949746101</cusip>
		<value>88913</value>
		<shrsOrPrnAmt>
			<sshPrnamt>954</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>954</Sole>
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			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>WELLS FARGO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>949746101</cusip>
		<value>1228097</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13177</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>10477</Sole>
			<Shared>0</Shared>
			<None>2700</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>WELLTOWER INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>95040Q104</cusip>
		<value>1383536</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7454</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7254</Sole>
			<Shared>0</Shared>
			<None>200</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>WELLTOWER INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>95040Q104</cusip>
		<value>6496</value>
		<shrsOrPrnAmt>
			<sshPrnamt>35</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>35</Sole>
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			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WELLTOWER INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>95040Q104</cusip>
		<value>876266</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4721</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4721</Sole>
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			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>WESBANCO INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>950810101</cusip>
		<value>28188161</value>
		<shrsOrPrnAmt>
			<sshPrnamt>848020</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>577421</Sole>
			<Shared>0</Shared>
			<None>270599</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>WESBANCO INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>950810101</cusip>
		<value>1209670</value>
		<shrsOrPrnAmt>
			<sshPrnamt>36392</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>34392</Sole>
			<Shared>0</Shared>
			<None>2000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WESBANCO INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>950810101</cusip>
		<value>22798101</value>
		<shrsOrPrnAmt>
			<sshPrnamt>685863</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>521675</Sole>
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			<None>164188</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>WESBANCO INC</nameOfIssuer>
		<titleOfClass>PREFERRED STOCK</titleOfClass>
		<cusip>950810887</cusip>
		<value>563512</value>
		<shrsOrPrnAmt>
			<sshPrnamt>21850</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>21850</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>WEYERHAEUSER C0</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>962166104</cusip>
		<value>136170</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5748</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5748</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WEYERHAEUSER C0</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>962166104</cusip>
		<value>104758</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4422</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3747</Sole>
			<Shared>0</Shared>
			<None>675</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>WHEATON PRECIOUS METALS CORP</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>962879102</cusip>
		<value>331994</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2825</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2825</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WHEATON PRECIOUS METALS CORP</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>962879102</cusip>
		<value>11517</value>
		<shrsOrPrnAmt>
			<sshPrnamt>98</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>98</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WILLIAMS COMPANIES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>969457100</cusip>
		<value>160974</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2678</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2678</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WILLIAMS COMPANIES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>969457100</cusip>
		<value>34263</value>
		<shrsOrPrnAmt>
			<sshPrnamt>570</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>570</Sole>
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			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WILLIAMS COMPANIES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>969457100</cusip>
		<value>257090</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4277</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2402</Sole>
			<Shared>0</Shared>
			<None>1875</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>WISDOMTREE</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>97717W307</cusip>
		<value>434939</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4938</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4938</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>WISDOMTREE</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>97717W505</cusip>
		<value>1432259</value>
		<shrsOrPrnAmt>
			<sshPrnamt>27757</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>27757</Sole>
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			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>WISDOMTREE</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>97717W505</cusip>
		<value>25387</value>
		<shrsOrPrnAmt>
			<sshPrnamt>492</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>492</Sole>
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			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>WISDOMTREE</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>97717W505</cusip>
		<value>182148</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3530</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3530</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WISDOMTREE</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>97717W604</cusip>
		<value>1225574</value>
		<shrsOrPrnAmt>
			<sshPrnamt>36639</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>36639</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WISDOMTREE</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>97717W604</cusip>
		<value>18598</value>
		<shrsOrPrnAmt>
			<sshPrnamt>556</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>556</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>WISDOMTREE</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>97717W604</cusip>
		<value>124367</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3718</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3718</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>WOODWARD INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>980745103</cusip>
		<value>289623</value>
		<shrsOrPrnAmt>
			<sshPrnamt>958</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>958</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>YUM! BRANDS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>988498101</cusip>
		<value>82144</value>
		<shrsOrPrnAmt>
			<sshPrnamt>543</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>543</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>YUM! BRANDS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>988498101</cusip>
		<value>507240</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3353</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3353</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ZIMMER BIOMET HOLDINGS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>98956P102</cusip>
		<value>652732</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7259</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7259</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ZIMMER BIOMET HOLDINGS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>98956P102</cusip>
		<value>1081557</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12028</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>9988</Sole>
			<Shared>0</Shared>
			<None>2040</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ZOETIS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>98978V103</cusip>
		<value>61147</value>
		<shrsOrPrnAmt>
			<sshPrnamt>486</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>486</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ZOETIS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>98978V103</cusip>
		<value>6291</value>
		<shrsOrPrnAmt>
			<sshPrnamt>50</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>50</Sole>
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			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ZOETIS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>98978V103</cusip>
		<value>138402</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1100</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1100</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>KENNEDY HARDWARE CO INC.</nameOfIssuer>
		<titleOfClass>CLOSELY HELD ST</titleOfClass>
		<cusip>992360107</cusip>
		<value>248090</value>
		<shrsOrPrnAmt>
			<sshPrnamt>83400</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>83400</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>RIESBECK FOOD MARKETS, INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>994694529</cusip>
		<value>853185</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9695</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>9695</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ACCELERANT HOLDINGS-CL A</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>G00894108</cusip>
		<value>163500</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>ALLEGION PUBLIC LIMITED CO</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>G0176J109</cusip>
		<value>363181</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2281</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2281</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ALLEGION PUBLIC LIMITED CO</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>G0176J109</cusip>
		<value>159220</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>FOREIGN STOCK</titleOfClass>
		<cusip>G0176J109</cusip>
		<value>159220</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1000</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AON PLC</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>G0403H108</cusip>
		<value>5273811</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14945</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>14875</Sole>
			<Shared>0</Shared>
			<None>70</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AON PLC</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>G0403H108</cusip>
		<value>382876</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1085</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>996</Sole>
			<Shared>0</Shared>
			<None>89</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ACCENTURE PLC</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>G1151C101</cusip>
		<value>1322994</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4931</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4910</Sole>
			<Shared>0</Shared>
			<None>21</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ACCENTURE PLC</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>G1151C101</cusip>
		<value>12074</value>
		<shrsOrPrnAmt>
			<sshPrnamt>45</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>45</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ACCENTURE PLC</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>G1151C101</cusip>
		<value>888612</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3312</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3312</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COCA-COLA EUROPEAN PARTNERS </nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>G25839104</cusip>
		<value>217227</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2395</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2395</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EATON CORP PLC</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>G29183103</cusip>
		<value>17876729</value>
		<shrsOrPrnAmt>
			<sshPrnamt>56126</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>55892</Sole>
			<Shared>0</Shared>
			<None>234</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EATON CORP PLC</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>G29183103</cusip>
		<value>67524</value>
		<shrsOrPrnAmt>
			<sshPrnamt>212</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>212</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EATON CORP PLC</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>G29183103</cusip>
		<value>5872696</value>
		<shrsOrPrnAmt>
			<sshPrnamt>18438</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>15424</Sole>
			<Shared>0</Shared>
			<None>3014</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>APTIV PLC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>G3265R107</cusip>
		<value>209248</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2750</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2750</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>LINDE PLC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>G54950103</cusip>
		<value>13272260</value>
		<shrsOrPrnAmt>
			<sshPrnamt>31127</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>31007</Sole>
			<Shared>0</Shared>
			<None>120</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>LINDE PLC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>G54950103</cusip>
		<value>17056</value>
		<shrsOrPrnAmt>
			<sshPrnamt>40</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>40</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>LINDE PLC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>G54950103</cusip>
		<value>1473178</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3455</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3107</Sole>
			<Shared>0</Shared>
			<None>348</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>G5960L103</cusip>
		<value>960889</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10003</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>9603</Sole>
			<Shared>0</Shared>
			<None>400</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>G5960L103</cusip>
		<value>240438</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2503</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>503</Sole>
			<Shared>0</Shared>
			<None>2000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>G5960L103</cusip>
		<value>678279</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7061</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3279</Sole>
			<Shared>0</Shared>
			<None>3782</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TE CONNECTIVITY PLC</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>G87052109</cusip>
		<value>1593</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TE CONNECTIVITY PLC</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>G87052109</cusip>
		<value>227510</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>TRANE TECHNOLOGIES PLC</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>G8994E103</cusip>
		<value>2823646</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7255</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7255</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TRANE TECHNOLOGIES PLC</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>G8994E103</cusip>
		<value>1167600</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>TRANE TECHNOLOGIES PLC</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>G8994E103</cusip>
		<value>1862321</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4785</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4686</Sole>
			<Shared>0</Shared>
			<None>99</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHUBB LIMITED</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>H1467J104</cusip>
		<value>2762888</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8852</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>8852</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHUBB LIMITED</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>H1467J104</cusip>
		<value>312120</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>CHUBB LIMITED</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>H1467J104</cusip>
		<value>1880522</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6025</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>5727</Sole>
			<Shared>0</Shared>
			<None>298</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ON HOLDING AG-CLASS A</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>H5919C104</cusip>
		<value>19568</value>
		<shrsOrPrnAmt>
			<sshPrnamt>421</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>421</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ON HOLDING AG-CLASS A</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>H5919C104</cusip>
		<value>3201635</value>
		<shrsOrPrnAmt>
			<sshPrnamt>68882</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>68882</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPOTIFY TECHNOLOGY SA</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>L8681T102</cusip>
		<value>39489</value>
		<shrsOrPrnAmt>
			<sshPrnamt>68</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>68</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPOTIFY TECHNOLOGY SA</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>L8681T102</cusip>
		<value>3519683</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6061</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>175</Sole>
			<Shared>0</Shared>
			<None>5886</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CYBERARK SOFTWARE LTD</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>M2682V108</cusip>
		<value>296630</value>
		<shrsOrPrnAmt>
			<sshPrnamt>665</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>665</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ODDITY TECH LTD</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>M7518J104</cusip>
		<value>1189328</value>
		<shrsOrPrnAmt>
			<sshPrnamt>29600</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>29600</None>
		</votingAuthority>
	</infoTable>
</informationTable>
