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	<infoTable>
		<nameOfIssuer>3M CO COM </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>88579Y101</cusip>
		<value>206</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1725</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>1725</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ACCENTURE PLC IRELAND</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>G1151C101</cusip>
		<value>19350</value>
		<shrsOrPrnAmt>
			<sshPrnamt>262771</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>257666</Sole>
			<Shared>0</Shared>
			<None>5105</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ACCENTURE PLC IRELAND</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>G1151C101</cusip>
		<value>15</value>
		<shrsOrPrnAmt>
			<sshPrnamt>203</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>203</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ACTAVIS INC COM </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>00507K103</cusip>
		<value>17637</value>
		<shrsOrPrnAmt>
			<sshPrnamt>122225</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>119963</Sole>
			<Shared>0</Shared>
			<None>2262</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ACTAVIS INC COM </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>00507K103</cusip>
		<value>14</value>
		<shrsOrPrnAmt>
			<sshPrnamt>95</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>95</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ALCOA INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>013817101</cusip>
		<value>4378</value>
		<shrsOrPrnAmt>
			<sshPrnamt>539196</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>528708</Sole>
			<Shared>0</Shared>
			<None>10488</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ALCOA INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>013817101</cusip>
		<value>3</value>
		<shrsOrPrnAmt>
			<sshPrnamt>418</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>418</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AMERICAN CENTURY EQUITY</nameOfIssuer>
		<titleOfClass>MUT</titleOfClass>
		<cusip>025076209</cusip>
		<value>211</value>
		<shrsOrPrnAmt>
			<sshPrnamt>24213</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>24213</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AMERICAN EXPRESS</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>025816109</cusip>
		<value>14762</value>
		<shrsOrPrnAmt>
			<sshPrnamt>195471</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>191852</Sole>
			<Shared>0</Shared>
			<None>3619</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AMERICAN EXPRESS</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>025816109</cusip>
		<value>11</value>
		<shrsOrPrnAmt>
			<sshPrnamt>152</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>152</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AMERICAN FUNDS</nameOfIssuer>
		<titleOfClass>MUT</titleOfClass>
		<cusip>360802102</cusip>
		<value>386</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7969</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>7969</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>APACHE CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>037411105</cusip>
		<value>7325</value>
		<shrsOrPrnAmt>
			<sshPrnamt>86032</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>84441</Sole>
			<Shared>0</Shared>
			<None>1591</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>APACHE CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>037411105</cusip>
		<value>6</value>
		<shrsOrPrnAmt>
			<sshPrnamt>67</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>67</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>APPLE  INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>037833100</cusip>
		<value>16317</value>
		<shrsOrPrnAmt>
			<sshPrnamt>34225</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>33567</Sole>
			<Shared>0</Shared>
			<None>658</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>APPLE  INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>037833100</cusip>
		<value>20</value>
		<shrsOrPrnAmt>
			<sshPrnamt>41</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>41</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AT &amp; T</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>00206R102</cusip>
		<value>14638</value>
		<shrsOrPrnAmt>
			<sshPrnamt>432815</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>424860</Sole>
			<Shared>0</Shared>
			<None>7955</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AT &amp; T</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>00206R102</cusip>
		<value>15</value>
		<shrsOrPrnAmt>
			<sshPrnamt>455</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>455</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BECTON DICKINSON </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>075887109</cusip>
		<value>14182</value>
		<shrsOrPrnAmt>
			<sshPrnamt>141796</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>139050</Sole>
			<Shared>0</Shared>
			<None>2746</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BECTON DICKINSON </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>075887109</cusip>
		<value>11</value>
		<shrsOrPrnAmt>
			<sshPrnamt>109</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>109</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BERKSHIRE HATH CL B </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>084670702</cusip>
		<value>681</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>6000</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BERKSHIRE HATHAWAY </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>084670108</cusip>
		<value>1193</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>7</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BIOGEN IDEC INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>09062X103</cusip>
		<value>17712</value>
		<shrsOrPrnAmt>
			<sshPrnamt>73566</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>72195</Sole>
			<Shared>0</Shared>
			<None>1371</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BIOGEN IDEC INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>09062X103</cusip>
		<value>14</value>
		<shrsOrPrnAmt>
			<sshPrnamt>57</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>57</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BP  PLC</nameOfIssuer>
		<titleOfClass>ADR</titleOfClass>
		<cusip>055622104</cusip>
		<value>420</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9995</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>9995</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CAPITAL ONE FINF CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>14040H105</cusip>
		<value>9239</value>
		<shrsOrPrnAmt>
			<sshPrnamt>134408</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>131938</Sole>
			<Shared>0</Shared>
			<None>2470</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CAPITAL ONE FINF CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>14040H105</cusip>
		<value>7</value>
		<shrsOrPrnAmt>
			<sshPrnamt>104</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>104</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>149123101</cusip>
		<value>10759</value>
		<shrsOrPrnAmt>
			<sshPrnamt>129010</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>126647</Sole>
			<Shared>0</Shared>
			<None>2363</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>149123101</cusip>
		<value>8</value>
		<shrsOrPrnAmt>
			<sshPrnamt>99</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>99</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHEMERA INVESTMENT CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>16934Q109</cusip>
		<value>33</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>11000</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHEVRON CORP NEW</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>166764100</cusip>
		<value>1457</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11993</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>11993</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COCA COLA</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>191216100</cusip>
		<value>11362</value>
		<shrsOrPrnAmt>
			<sshPrnamt>299955</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>294524</Sole>
			<Shared>0</Shared>
			<None>5431</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COCA COLA</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>191216100</cusip>
		<value>11</value>
		<shrsOrPrnAmt>
			<sshPrnamt>301</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>301</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COLGATE PALMOLIVE CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>194162103</cusip>
		<value>14086</value>
		<shrsOrPrnAmt>
			<sshPrnamt>237531</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>233335</Sole>
			<Shared>0</Shared>
			<None>4196</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COLGATE PALMOLIVE CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>194162103</cusip>
		<value>11</value>
		<shrsOrPrnAmt>
			<sshPrnamt>180</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>180</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>20825C104</cusip>
		<value>23141</value>
		<shrsOrPrnAmt>
			<sshPrnamt>332917</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>328769</Sole>
			<Shared>0</Shared>
			<None>4148</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>20825C104</cusip>
		<value>14</value>
		<shrsOrPrnAmt>
			<sshPrnamt>204</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>204</Shared>
			<None>0</None>
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	<infoTable>
		<nameOfIssuer>CSX CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>126408103</cusip>
		<value>204</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7914</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>7914</Sole>
			<Shared>0</Shared>
			<None>0</None>
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	<infoTable>
		<nameOfIssuer>CVS CAREMARK CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>126650100</cusip>
		<value>15949</value>
		<shrsOrPrnAmt>
			<sshPrnamt>281043</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>275852</Sole>
			<Shared>0</Shared>
			<None>5191</None>
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	<infoTable>
		<nameOfIssuer>CVS CAREMARK CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>126650100</cusip>
		<value>12</value>
		<shrsOrPrnAmt>
			<sshPrnamt>217</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>217</Shared>
			<None>0</None>
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	<infoTable>
		<nameOfIssuer>DARDEN RESTAURANT </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>237194105</cusip>
		<value>13467</value>
		<shrsOrPrnAmt>
			<sshPrnamt>290930</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>285576</Sole>
			<Shared>0</Shared>
			<None>5354</None>
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	<infoTable>
		<nameOfIssuer>DARDEN RESTAURANT </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>237194105</cusip>
		<value>10</value>
		<shrsOrPrnAmt>
			<sshPrnamt>226</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>226</Shared>
			<None>0</None>
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	<infoTable>
		<nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>244199105</cusip>
		<value>604</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7416</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<votingAuthority>
			<Sole>7416</Sole>
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			<None>0</None>
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		<nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>254687106</cusip>
		<value>16127</value>
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			<sshPrnamt>250067</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>245243</Sole>
			<Shared>0</Shared>
			<None>4824</None>
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	<infoTable>
		<nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>254687106</cusip>
		<value>12</value>
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			<sshPrnamt>192</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>192</Shared>
			<None>0</None>
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	<infoTable>
		<nameOfIssuer>DIVIDEND CAPITAL</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>25537M100</cusip>
		<value>69</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>10000</Sole>
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			<None>0</None>
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		<nameOfIssuer>DUPONT</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>263534109</cusip>
		<value>9459</value>
		<shrsOrPrnAmt>
			<sshPrnamt>161534</sshPrnamt>
			<sshPrnamtType>SH  </sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>158066</Sole>
			<Shared>0</Shared>
			<None>3468</None>
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		<nameOfIssuer>DUPONT</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>263534109</cusip>
		<value>7</value>
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			<sshPrnamt>125</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
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			<Shared>125</Shared>
			<None>0</None>
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	<infoTable>
		<nameOfIssuer>DWS GLOBAL INTL FD</nameOfIssuer>
		<titleOfClass>GBL FD</titleOfClass>
		<cusip>233379825</cusip>
		<value>105</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10690</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<votingAuthority>
			<Sole>10690</Sole>
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			<None>0</None>
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		<nameOfIssuer>EMERSON ELEC CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>291011104</cusip>
		<value>286</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4420</sshPrnamt>
			<sshPrnamtType>SH  </sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>4420</Sole>
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			<None>0</None>
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		<nameOfIssuer>ENTERPRISE PRODS</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>293792107</cusip>
		<value>217</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3559</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>3559</Sole>
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			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>30231G102</cusip>
		<value>315</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3659</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>175</Sole>
			<Shared>3484</Shared>
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		<nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>30231G102</cusip>
		<value>3347</value>
		<shrsOrPrnAmt>
			<sshPrnamt>38902</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>38902</Sole>
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			<None>0</None>
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		<nameOfIssuer>FIDELITY ADVISOR I</nameOfIssuer>
		<titleOfClass>SMALL CAP</titleOfClass>
		<cusip>315805655</cusip>
		<value>577</value>
		<shrsOrPrnAmt>
			<sshPrnamt>18938</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<votingAuthority>
			<Sole>18938</Sole>
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			<None>0</None>
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		<nameOfIssuer>FIDELITY CHARLES STR</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>316069103</cusip>
		<value>182</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10211</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<votingAuthority>
			<Sole>10211</Sole>
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			<None>0</None>
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		<nameOfIssuer>FISERV INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>337738108</cusip>
		<value>12505</value>
		<shrsOrPrnAmt>
			<sshPrnamt>123747</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>121459</Sole>
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			<None>2288</None>
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		<nameOfIssuer>FISERV INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>337738108</cusip>
		<value>10</value>
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		<investmentDiscretion>DFND</investmentDiscretion>
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			<Shared>96</Shared>
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		<nameOfIssuer>FRANKLIN Custodian FDS</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>353496300</cusip>
		<value>118</value>
		<shrsOrPrnAmt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<votingAuthority>
			<Sole>50627</Sole>
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			<None>0</None>
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		<nameOfIssuer>GENERAL DYNAMICS </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>369550108</cusip>
		<value>11628</value>
		<shrsOrPrnAmt>
			<sshPrnamt>132858</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<votingAuthority>
			<Sole>130418</Sole>
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			<None>2440</None>
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	<infoTable>
		<nameOfIssuer>GENERAL DYNAMICS </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>369550108</cusip>
		<value>9</value>
		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
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		<votingAuthority>
			<Sole>0</Sole>
			<Shared>103</Shared>
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	<infoTable>
		<nameOfIssuer>GENERAL ELECTRIC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>369604103</cusip>
		<value>20</value>
		<shrsOrPrnAmt>
			<sshPrnamt>850</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
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			<Shared>850</Shared>
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	<infoTable>
		<nameOfIssuer>GENERAL ELECTRIC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>369604103</cusip>
		<value>296</value>
		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<votingAuthority>
			<Sole>12400</Sole>
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		<nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>375558103</cusip>
		<value>14482</value>
		<shrsOrPrnAmt>
			<sshPrnamt>230346</sshPrnamt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>226057</Sole>
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			<None>4289</None>
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	<infoTable>
		<nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>375558103</cusip>
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		<investmentDiscretion>DFND</investmentDiscretion>
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			<Shared>180</Shared>
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		<nameOfIssuer>GOLDMAN SACHS GROUP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>38141W398</cusip>
		<value>26701</value>
		<shrsOrPrnAmt>
			<sshPrnamt>551337</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<votingAuthority>
			<Sole>520499</Sole>
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	<infoTable>
		<nameOfIssuer>GOLDMAN SACHS GROUP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>38141W398</cusip>
		<value>56</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1154</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
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			<Sole>0</Sole>
			<Shared>1154</Shared>
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	<infoTable>
		<nameOfIssuer>GOLDMAN SACHS TR</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>38142B146</cusip>
		<value>571</value>
		<shrsOrPrnAmt>
			<sshPrnamt>18309</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<Sole>18309</Sole>
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		<nameOfIssuer>GROWTH FD AMER INC CL F </nameOfIssuer>
		<titleOfClass>MUT</titleOfClass>
		<cusip>399874403</cusip>
		<value>205</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4910</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<votingAuthority>
			<Sole>4910</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>HELMERICH &amp; PAYNE INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>423452101</cusip>
		<value>12739</value>
		<shrsOrPrnAmt>
			<sshPrnamt>184758</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<votingAuthority>
			<Sole>181218</Sole>
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			<None>3540</None>
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	<infoTable>
		<nameOfIssuer>HELMERICH &amp; PAYNE INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>423452101</cusip>
		<value>10</value>
		<shrsOrPrnAmt>
			<sshPrnamt>141</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
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			<Sole>0</Sole>
			<Shared>141</Shared>
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		<nameOfIssuer>HONEYWELL INTL</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>438516106</cusip>
		<value>246</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2961</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<votingAuthority>
			<Sole>2961</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>IBM</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>459200101</cusip>
		<value>14761</value>
		<shrsOrPrnAmt>
			<sshPrnamt>79713</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>78148</Sole>
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			<None>1565</None>
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	<infoTable>
		<nameOfIssuer>IBM</nameOfIssuer>
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		<cusip>459200101</cusip>
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			<sshPrnamt>421736</sshPrnamt>
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		<nameOfIssuer>INVESCO LTD</nameOfIssuer>
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		<nameOfIssuer>ISHARES TR</nameOfIssuer>
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		<nameOfIssuer>ISHARES TR</nameOfIssuer>
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		<nameOfIssuer>ISHARES TR</nameOfIssuer>
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		<nameOfIssuer>ISHARES TR</nameOfIssuer>
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		<value>253</value>
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		<nameOfIssuer>ISHARES TR</nameOfIssuer>
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		<nameOfIssuer>ISHARES TR</nameOfIssuer>
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		<nameOfIssuer>ISHARES TR</nameOfIssuer>
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		<nameOfIssuer>J P MORGAN CHASE</nameOfIssuer>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<nameOfIssuer>J P MORGAN CHASE</nameOfIssuer>
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		<investmentDiscretion>DFND</investmentDiscretion>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
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		<nameOfIssuer>KINDER MORGAN ENER</nameOfIssuer>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<nameOfIssuer>KRAFT FOODS GROUP </nameOfIssuer>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<value>1327</value>
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		<nameOfIssuer>MFS INSTL TR</nameOfIssuer>
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		<nameOfIssuer>MFS SER TR I</nameOfIssuer>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<nameOfIssuer>OCCIDENTAL PETRO COR</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>674599105</cusip>
		<value>8190</value>
		<shrsOrPrnAmt>
			<sshPrnamt>87559</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>85944</Sole>
			<Shared>0</Shared>
			<None>1615</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>OCCIDENTAL PETRO COR</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>674599105</cusip>
		<value>10</value>
		<shrsOrPrnAmt>
			<sshPrnamt>108</sshPrnamt>
			<sshPrnamtType>SH  </sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
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		<votingAuthority>
			<Sole>0</Sole>
			<Shared>108</Shared>
			<None>0</None>
		</votingAuthority>
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		<nameOfIssuer>OGE ENERGY CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>670837103</cusip>
		<value>939</value>
		<shrsOrPrnAmt>
			<sshPrnamt>26022</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>26022</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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		<nameOfIssuer>ONELINK CORPORATION</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>68267M106</cusip>
		<value>0</value>
		<shrsOrPrnAmt>
			<sshPrnamt>185884</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>185884</Sole>
			<Shared>0</Shared>
			<None>0</None>
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		<nameOfIssuer>ONEOK INC NEW</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>682680103</cusip>
		<value>331</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6212</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>6212</Sole>
			<Shared>0</Shared>
			<None>0</None>
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		<nameOfIssuer>ORACLE CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>68389X105</cusip>
		<value>12049</value>
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			<sshPrnamt>363258</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>356650</Sole>
			<Shared>0</Shared>
			<None>6608</None>
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	<infoTable>
		<nameOfIssuer>ORACLE CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>68389X105</cusip>
		<value>9</value>
		<shrsOrPrnAmt>
			<sshPrnamt>281</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>281</Shared>
			<None>0</None>
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		<nameOfIssuer>PEPSICO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>713448108</cusip>
		<value>516</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6487</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>6487</Sole>
			<Shared>0</Shared>
			<None>0</None>
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		<nameOfIssuer>PFIZER INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>717081103</cusip>
		<value>12847</value>
		<shrsOrPrnAmt>
			<sshPrnamt>447240</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>438020</Sole>
			<Shared>0</Shared>
			<None>9220</None>
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	<infoTable>
		<nameOfIssuer>PFIZER INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>717081103</cusip>
		<value>15</value>
		<shrsOrPrnAmt>
			<sshPrnamt>517</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>517</Shared>
			<None>0</None>
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		<nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>718172109</cusip>
		<value>411</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4747</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>4747</Sole>
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			<None>0</None>
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		<nameOfIssuer>PHILLIPS 66</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>718546104</cusip>
		<value>4076</value>
		<shrsOrPrnAmt>
			<sshPrnamt>70496</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>70496</Sole>
			<Shared>0</Shared>
			<None>0</None>
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		<nameOfIssuer>PIMCO ALL ASSET FUND</nameOfIssuer>
		<titleOfClass>MUT</titleOfClass>
		<cusip>722005626</cusip>
		<value>394</value>
		<shrsOrPrnAmt>
			<sshPrnamt>32247</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>32247</Sole>
			<Shared>0</Shared>
			<None>0</None>
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		<nameOfIssuer>POWERSHARES QQQ TR</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>73935A104</cusip>
		<value>424</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5369</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>5369</Sole>
			<Shared>0</Shared>
			<None>0</None>
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	<infoTable>
		<nameOfIssuer>PPL CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>69351T106</cusip>
		<value>6084</value>
		<shrsOrPrnAmt>
			<sshPrnamt>200257</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>195793</Sole>
			<Shared>0</Shared>
			<None>4464</None>
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	<infoTable>
		<nameOfIssuer>PPL CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>69351T106</cusip>
		<value>10</value>
		<shrsOrPrnAmt>
			<sshPrnamt>323</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
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		<votingAuthority>
			<Sole>0</Sole>
			<Shared>323</Shared>
			<None>0</None>
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		<nameOfIssuer>PROCTOR &amp; GAMBLE</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>742718109</cusip>
		<value>12385</value>
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			<sshPrnamt>163840</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<votingAuthority>
			<Sole>160099</Sole>
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			<None>3741</None>
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		<nameOfIssuer>PROCTOR &amp; GAMBLE</nameOfIssuer>
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		<cusip>742718109</cusip>
		<value>9</value>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
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		<votingAuthority>
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			<Shared>119</Shared>
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		<nameOfIssuer>PROSPERITY BANCSHARES </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>743606105</cusip>
		<value>1874</value>
		<shrsOrPrnAmt>
			<sshPrnamt>30309</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<votingAuthority>
			<Sole>30309</Sole>
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		<nameOfIssuer>PUBLIC SVC ENTERPR</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>744573106</cusip>
		<value>5545</value>
		<shrsOrPrnAmt>
			<sshPrnamt>168397</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<votingAuthority>
			<Sole>164586</Sole>
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			<None>3811</None>
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		<nameOfIssuer>PUBLIC SVC ENTERPR</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>744573106</cusip>
		<value>10</value>
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		<investmentDiscretion>DFND</investmentDiscretion>
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		<votingAuthority>
			<Sole>0</Sole>
			<Shared>293</Shared>
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		<nameOfIssuer>SEAGATE TECHNOLOGY</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>G7945M107</cusip>
		<value>15619</value>
		<shrsOrPrnAmt>
			<sshPrnamt>356922</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>349462</Sole>
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		<nameOfIssuer>SEAGATE TECHNOLOGY</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>G7945M107</cusip>
		<value>12</value>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
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		<votingAuthority>
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			<Shared>284</Shared>
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		<nameOfIssuer>SOUTHERN CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>842587107</cusip>
		<value>204</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4965</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<votingAuthority>
			<Sole>4965</Sole>
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			<None>0</None>
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		<nameOfIssuer>SOUTHWESTERN ENERGY CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>845467109</cusip>
		<value>1166</value>
		<shrsOrPrnAmt>
			<sshPrnamt>32048</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<votingAuthority>
			<Sole>32048</Sole>
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			<None>0</None>
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		<nameOfIssuer>SPDR DOW JONES</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>74867X109</cusip>
		<value>2343</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15519</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<votingAuthority>
			<Sole>15440</Sole>
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			<None>79</None>
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		<nameOfIssuer>SPDR DOW JONES</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>74867X109</cusip>
		<value>6</value>
		<shrsOrPrnAmt>
			<sshPrnamt>43</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
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		<nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>78462F103</cusip>
		<value>13058</value>
		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<votingAuthority>
			<Sole>77079</Sole>
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			<None>643</None>
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		<nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
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		<value>116</value>
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		<investmentDiscretion>DFND</investmentDiscretion>
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		<nameOfIssuer>SPDR S&amp;P MIDCAP 400</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>78467Y107</cusip>
		<value>80828</value>
		<shrsOrPrnAmt>
			<sshPrnamt>357126</sshPrnamt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<nameOfIssuer>SPDR S&amp;P MIDCAP 400</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>78467Y107</cusip>
		<value>280</value>
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		<investmentDiscretion>DFND</investmentDiscretion>
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			<Sole>789</Sole>
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		<nameOfIssuer>SSB HOLDINGS INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>809001993</cusip>
		<value>4425</value>
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		<investmentDiscretion>DFND</investmentDiscretion>
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		<votingAuthority>
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			<None>11367</None>
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		<nameOfIssuer>STATE STR CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>857477103</cusip>
		<value>12677</value>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<votingAuthority>
			<Sole>189268</Sole>
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	<infoTable>
		<nameOfIssuer>STATE STR CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
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		<value>10</value>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
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			<Shared>150</Shared>
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		<nameOfIssuer>TARGET CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>87612E106</cusip>
		<value>13361</value>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<votingAuthority>
			<Sole>204970</Sole>
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			<None>3854</None>
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		<nameOfIssuer>TARGET CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
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			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>241</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>THRIVENT MUT FDS</nameOfIssuer>
		<titleOfClass>MUT</titleOfClass>
		<cusip>885882324</cusip>
		<value>418</value>
		<shrsOrPrnAmt>
			<sshPrnamt>31551</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>31551</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TJX COMPANIES INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>872540109</cusip>
		<value>20880</value>
		<shrsOrPrnAmt>
			<sshPrnamt>370270</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>363098</Sole>
			<Shared>0</Shared>
			<None>7172</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TJX COMPANIES INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>872540109</cusip>
		<value>16</value>
		<shrsOrPrnAmt>
			<sshPrnamt>286</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>286</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TRANSATLANTIC PETRO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>G89982105</cusip>
		<value>125</value>
		<shrsOrPrnAmt>
			<sshPrnamt>149000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>149000</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TRAVELERS COM INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>89417E109</cusip>
		<value>10535</value>
		<shrsOrPrnAmt>
			<sshPrnamt>124275</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>121983</Sole>
			<Shared>0</Shared>
			<None>2292</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TRAVELERS COM INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>89417E109</cusip>
		<value>12</value>
		<shrsOrPrnAmt>
			<sshPrnamt>136</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>136</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UNION PAC CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>907818108</cusip>
		<value>19040</value>
		<shrsOrPrnAmt>
			<sshPrnamt>122572</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>120302</Sole>
			<Shared>0</Shared>
			<None>2270</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UNION PAC CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>907818108</cusip>
		<value>15</value>
		<shrsOrPrnAmt>
			<sshPrnamt>95</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>95</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UNITED TECH</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>913017109</cusip>
		<value>16908</value>
		<shrsOrPrnAmt>
			<sshPrnamt>156819</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>153795</Sole>
			<Shared>0</Shared>
			<None>3024</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UNITED TECH</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>913017109</cusip>
		<value>13</value>
		<shrsOrPrnAmt>
			<sshPrnamt>120</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>120</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGARD INDEX FDS</nameOfIssuer>
		<titleOfClass>MUT</titleOfClass>
		<cusip>922908827</cusip>
		<value>221</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6875</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>6875</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGARD INDEX FDS</nameOfIssuer>
		<titleOfClass>MUT</titleOfClass>
		<cusip>922908496</cusip>
		<value>1164</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9093</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>9093</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD MID-CAP</nameOfIssuer>
		<titleOfClass>MUT</titleOfClass>
		<cusip>922908447</cusip>
		<value>211</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5281</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>5281</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD WHITEHALL</nameOfIssuer>
		<titleOfClass>MUT</titleOfClass>
		<cusip>921946208</cusip>
		<value>387</value>
		<shrsOrPrnAmt>
			<sshPrnamt>21768</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>21768</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VERIZON COMM</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>92343V104</cusip>
		<value>332</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7116</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>7116</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VIRTUS QUALITY LRG</nameOfIssuer>
		<titleOfClass>MUT</titleOfClass>
		<cusip>92828N445</cusip>
		<value>549</value>
		<shrsOrPrnAmt>
			<sshPrnamt>43009</sshPrnamt>
			<sshPrnamtType>SH  </sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>43009</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WALMART STORES</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>931142103</cusip>
		<value>4</value>
		<shrsOrPrnAmt>
			<sshPrnamt>50</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>50</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WALMART STORES</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>931142103</cusip>
		<value>11317</value>
		<shrsOrPrnAmt>
			<sshPrnamt>153019</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>153019</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WASHINGTOM MUTUAL</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>939330106</cusip>
		<value>223</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6037</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>6037</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WELLS FARGO &amp; CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>949746101</cusip>
		<value>11692</value>
		<shrsOrPrnAmt>
			<sshPrnamt>282972</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>277027</Sole>
			<Shared>0</Shared>
			<None>5945</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WELLS FARGO &amp; CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>949746101</cusip>
		<value>9</value>
		<shrsOrPrnAmt>
			<sshPrnamt>218</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>218</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WELLS REAL ESTATE FU</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>950006106</cusip>
		<value>187</value>
		<shrsOrPrnAmt>
			<sshPrnamt>43010</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>43010</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
</informationTable>
