<informationTable xmlns="http://www.sec.gov/edgar/document/thirteenf/informationtable">		<infoTable>
			<nameOfIssuer>ABBOTT LABS</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>002824100</cusip>
			<value>4494</value>
			<shrsOrPrnAmt>
				<sshPrnamt>101199</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>98520</Sole>
				<Shared>0</Shared>
				<None>2679</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ABBOTT LABS</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>002824100</cusip>
			<value>810</value>
			<shrsOrPrnAmt>
				<sshPrnamt>18243</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>16656</Sole>
				<Shared>1437</Shared>
				<None>150</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ABBVIE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>00287Y109</cusip>
			<value>4498</value>
			<shrsOrPrnAmt>
				<sshPrnamt>69025</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>63134</Sole>
				<Shared>0</Shared>
				<None>5891</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ABBVIE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>00287Y109</cusip>
			<value>1104</value>
			<shrsOrPrnAmt>
				<sshPrnamt>16950</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>14930</Sole>
				<Shared>1320</Shared>
				<None>700</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ACTIVISION BLIZZARD, INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>00507V109</cusip>
			<value>903</value>
			<shrsOrPrnAmt>
				<sshPrnamt>18108</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>18108</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ACTIVISION BLIZZARD, INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>00507V109</cusip>
			<value>15</value>
			<shrsOrPrnAmt>
				<sshPrnamt>310</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>310</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AIR PRODUCTS &amp; CHEMICALS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>009158106</cusip>
			<value>1335</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9864</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>9864</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AIR PRODUCTS &amp; CHEMICALS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>009158106</cusip>
			<value>401</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2965</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2965</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALLSTATE CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>020002101</cusip>
			<value>154</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1885</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1885</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALLSTATE CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>020002101</cusip>
			<value>287</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3522</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>3522</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALNYLAM PHARMACEUTICALS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>02043Q107</cusip>
			<value>313</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6100</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1500</Sole>
				<Shared>0</Shared>
				<None>4600</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALPHABET INC CL A</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>02079K305</cusip>
			<value>3944</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4652</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4087</Sole>
				<Shared>0</Shared>
				<None>565</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALPHABET INC CL A</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>02079K305</cusip>
			<value>136</value>
			<shrsOrPrnAmt>
				<sshPrnamt>161</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>161</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALPHABET INC CL C</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>02079K107</cusip>
			<value>5108</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6157</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5557</Sole>
				<Shared>0</Shared>
				<None>600</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALPHABET INC CL C</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>02079K107</cusip>
			<value>334</value>
			<shrsOrPrnAmt>
				<sshPrnamt>403</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>403</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>02209S103</cusip>
			<value>2494</value>
			<shrsOrPrnAmt>
				<sshPrnamt>34914</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>31854</Sole>
				<Shared>0</Shared>
				<None>3060</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>02209S103</cusip>
			<value>1778</value>
			<shrsOrPrnAmt>
				<sshPrnamt>24900</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>22650</Sole>
				<Shared>200</Shared>
				<None>2050</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AMAZON.COM INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>023135106</cusip>
			<value>579</value>
			<shrsOrPrnAmt>
				<sshPrnamt>653</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>553</Sole>
				<Shared>0</Shared>
				<None>100</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AMAZON.COM INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>023135106</cusip>
			<value>80</value>
			<shrsOrPrnAmt>
				<sshPrnamt>90</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>90</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>025816109</cusip>
			<value>1240</value>
			<shrsOrPrnAmt>
				<sshPrnamt>15679</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>13693</Sole>
				<Shared>0</Shared>
				<None>1986</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>025816109</cusip>
			<value>251</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3179</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1679</Sole>
				<Shared>0</Shared>
				<None>1500</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AMERICAN WATER WORKS CO INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>030420103</cusip>
			<value>1413</value>
			<shrsOrPrnAmt>
				<sshPrnamt>18166</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>17766</Sole>
				<Shared>0</Shared>
				<None>400</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AMERICAN WATER WORKS CO INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>030420103</cusip>
			<value>578</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7430</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>5420</Sole>
				<Shared>0</Shared>
				<None>2010</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AMGEN INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>031162100</cusip>
			<value>747</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4555</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4255</Sole>
				<Shared>0</Shared>
				<None>300</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AMGEN INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>031162100</cusip>
			<value>166</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1010</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1010</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ANADARKO PETROLEUM CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>032511107</cusip>
			<value>224</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3615</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1515</Sole>
				<Shared>0</Shared>
				<None>2100</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ANADARKO PETROLEUM CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>032511107</cusip>
			<value>164</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2650</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2350</Sole>
				<Shared>0</Shared>
				<None>300</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>APACHE CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>037411105</cusip>
			<value>1521</value>
			<shrsOrPrnAmt>
				<sshPrnamt>29601</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>29401</Sole>
				<Shared>0</Shared>
				<None>200</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>APACHE CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>037411105</cusip>
			<value>109</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2130</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2130</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>APPLE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>037833100</cusip>
			<value>17084</value>
			<shrsOrPrnAmt>
				<sshPrnamt>118919</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>108963</Sole>
				<Shared>385</Shared>
				<None>9571</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>APPLE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>037833100</cusip>
			<value>3146</value>
			<shrsOrPrnAmt>
				<sshPrnamt>21901</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>20346</Sole>
				<Shared>905</Shared>
				<None>650</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AT&amp;T INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>00206R102</cusip>
			<value>3897</value>
			<shrsOrPrnAmt>
				<sshPrnamt>93786</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>91185</Sole>
				<Shared>750</Shared>
				<None>1851</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AT&amp;T INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>00206R102</cusip>
			<value>1915</value>
			<shrsOrPrnAmt>
				<sshPrnamt>46079</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>40337</Sole>
				<Shared>280</Shared>
				<None>5462</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AUTODESK INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>052769106</cusip>
			<value>210</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2424</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2424</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AUTOLIV INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>052800109</cusip>
			<value>1172</value>
			<shrsOrPrnAmt>
				<sshPrnamt>11461</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>10711</Sole>
				<Shared>0</Shared>
				<None>750</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AUTOLIV INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>052800109</cusip>
			<value>1377</value>
			<shrsOrPrnAmt>
				<sshPrnamt>13469</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>13469</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AUTOMATIC DATA PROCESSING INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>053015103</cusip>
			<value>4235</value>
			<shrsOrPrnAmt>
				<sshPrnamt>41360</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>40780</Sole>
				<Shared>0</Shared>
				<None>580</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AUTOMATIC DATA PROCESSING INC</nameOfIssuer>
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				<sshPrnamt>7622</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<Sole>6942</Sole>
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				<None>580</None>
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		<infoTable>
			<nameOfIssuer>BANK OF AMERICA CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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				<sshPrnamt>18964</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>17345</Sole>
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				<None>1619</None>
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		<infoTable>
			<nameOfIssuer>BANK OF AMERICA CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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				<sshPrnamt>11732</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>11475</Sole>
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				<None>257</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>BANK OF NEW YORK MELLON CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>064058100</cusip>
			<value>583</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12344</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>12344</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>BANK OF NEW YORK MELLON CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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				<sshPrnamt>1322</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>822</Sole>
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				<None>500</None>
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		<infoTable>
			<nameOfIssuer>BAXTER INTL INC</nameOfIssuer>
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				<sshPrnamt>11134</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>10934</Sole>
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				<None>200</None>
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		<infoTable>
			<nameOfIssuer>BAXTER INTL INC</nameOfIssuer>
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				<sshPrnamt>3849</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2239</Sole>
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				<None>1610</None>
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		<infoTable>
			<nameOfIssuer>BECTON DICKINSON</nameOfIssuer>
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			<cusip>075887109</cusip>
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				<sshPrnamt>2141</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2141</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>BECTON DICKINSON</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>075887109</cusip>
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				<sshPrnamt>1200</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>BERKSHIRE HATHAWAY INC-CL B</nameOfIssuer>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>30876</Sole>
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				<None>700</None>
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		<infoTable>
			<nameOfIssuer>BERKSHIRE HATHAWAY INC-CL B</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<Sole>2092</Sole>
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				<None>150</None>
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		<infoTable>
			<nameOfIssuer>BEST BUY COMPANY INC</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>18176</Sole>
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		<infoTable>
			<nameOfIssuer>BEST BUY COMPANY INC</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>617</Sole>
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		<infoTable>
			<nameOfIssuer>BHP BILLITON LTD SPONS ADR</nameOfIssuer>
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			<cusip>088606108</cusip>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3721</Sole>
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				<None>200</None>
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		<infoTable>
			<nameOfIssuer>BHP BILLITON LTD SPONS ADR</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1825</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>BIOGEN INC</nameOfIssuer>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>769</Sole>
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				<None>50</None>
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		<infoTable>
			<nameOfIssuer>BLACKROCK INC CL A</nameOfIssuer>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
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				<None>500</None>
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		<infoTable>
			<nameOfIssuer>BLACKROCK INC CL A</nameOfIssuer>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>210</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>BOEING CO</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>12509</Sole>
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				<None>1095</None>
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		<infoTable>
			<nameOfIssuer>BOEING CO</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>5905</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>BRISTOL MYERS SQUIBB CO</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>BRISTOL MYERS SQUIBB CO</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
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				<None>300</None>
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		<infoTable>
			<nameOfIssuer>CELGENE CORP</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>8739</Sole>
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				<None>9400</None>
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		<infoTable>
			<nameOfIssuer>CELGENE CORP</nameOfIssuer>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2080</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>CHEVRON CORPORATION</nameOfIssuer>
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			<value>8526</value>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>75374</Sole>
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				<None>2159</None>
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		<infoTable>
			<nameOfIssuer>CHEVRON CORPORATION</nameOfIssuer>
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			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>25456</Sole>
				<Shared>1435</Shared>
				<None>1844</None>
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		<infoTable>
			<nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>17275R102</cusip>
			<value>5012</value>
			<shrsOrPrnAmt>
				<sshPrnamt>148295</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>143567</Sole>
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				<None>4728</None>
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		<infoTable>
			<nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>714</value>
			<shrsOrPrnAmt>
				<sshPrnamt>21114</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>20619</Sole>
				<Shared>495</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>CITIGROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>172967424</cusip>
			<value>545</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9114</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>8914</Sole>
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				<None>200</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>CITIGROUP INC</nameOfIssuer>
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			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2867</Sole>
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				<None>40</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>CLOROX COMPANY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>189054109</cusip>
			<value>1228</value>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>9007</Sole>
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				<None>100</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>CLOROX COMPANY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>189054109</cusip>
			<value>428</value>
			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2690</Sole>
				<Shared>0</Shared>
				<None>485</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>COCA COLA CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>191216100</cusip>
			<value>2697</value>
			<shrsOrPrnAmt>
				<sshPrnamt>63547</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>56947</Sole>
				<Shared>1400</Shared>
				<None>5200</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>COCA COLA CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>1100</value>
			<shrsOrPrnAmt>
				<sshPrnamt>25930</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>20500</Sole>
				<Shared>0</Shared>
				<None>5430</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>COGNIZANT TECHNOLOGY SOLUTIONS</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>192446102</cusip>
			<value>284</value>
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				<sshPrnamt>4776</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4776</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>COGNIZANT TECHNOLOGY SOLUTIONS</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>192446102</cusip>
			<value>8</value>
			<shrsOrPrnAmt>
				<sshPrnamt>131</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>131</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>COLGATE PALMOLIVE CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>194162103</cusip>
			<value>3269</value>
			<shrsOrPrnAmt>
				<sshPrnamt>44661</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>37496</Sole>
				<Shared>1300</Shared>
				<None>5865</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>COLGATE PALMOLIVE CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>194162103</cusip>
			<value>1488</value>
			<shrsOrPrnAmt>
				<sshPrnamt>20336</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>18436</Sole>
				<Shared>0</Shared>
				<None>1900</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>COMCAST CORP-CL A</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>20030N101</cusip>
			<value>785</value>
			<shrsOrPrnAmt>
				<sshPrnamt>20880</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>18650</Sole>
				<Shared>0</Shared>
				<None>2230</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>COMCAST CORP-CL A</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>20030N101</cusip>
			<value>181</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4824</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>3224</Sole>
				<Shared>400</Shared>
				<None>1200</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>COMMUNITY BANK SYSTEM INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>203607106</cusip>
			<value>22</value>
			<shrsOrPrnAmt>
				<sshPrnamt>402</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>200</Sole>
				<Shared>0</Shared>
				<None>202</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>COMMUNITY BANK SYSTEM INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>203607106</cusip>
			<value>203</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3700</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>300</Sole>
				<Shared>3400</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>20825C104</cusip>
			<value>1637</value>
			<shrsOrPrnAmt>
				<sshPrnamt>32821</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>29798</Sole>
				<Shared>325</Shared>
				<None>2698</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>20825C104</cusip>
			<value>144</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2890</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2740</Sole>
				<Shared>150</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CONSUMER DISCRETIONARY SELT</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>81369Y407</cusip>
			<value>1607</value>
			<shrsOrPrnAmt>
				<sshPrnamt>18276</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>16376</Sole>
				<Shared>0</Shared>
				<None>1900</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CONSUMER DISCRETIONARY SELT</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>81369Y407</cusip>
			<value>249</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2827</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2162</Sole>
				<Shared>530</Shared>
				<None>135</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CONSUMER STAPLES SELECT SECTOR</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>81369Y308</cusip>
			<value>879</value>
			<shrsOrPrnAmt>
				<sshPrnamt>16098</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>14408</Sole>
				<Shared>0</Shared>
				<None>1690</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CONSUMER STAPLES SELECT SECTOR</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>81369Y308</cusip>
			<value>120</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2207</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1917</Sole>
				<Shared>100</Shared>
				<None>190</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CORNING INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>219350105</cusip>
			<value>437</value>
			<shrsOrPrnAmt>
				<sshPrnamt>16194</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>16194</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CORNING INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>219350105</cusip>
			<value>221</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8200</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>7500</Sole>
				<Shared>700</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>COSTCO WHOLESALE CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>22160K105</cusip>
			<value>217</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1296</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1296</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>COSTCO WHOLESALE CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>22160K105</cusip>
			<value>148</value>
			<shrsOrPrnAmt>
				<sshPrnamt>884</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>594</Sole>
				<Shared>0</Shared>
				<None>290</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CSX CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>126408103</cusip>
			<value>159</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3409</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3409</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CSX CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>126408103</cusip>
			<value>165</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3555</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>3555</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>126650100</cusip>
			<value>3779</value>
			<shrsOrPrnAmt>
				<sshPrnamt>48144</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>48144</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>126650100</cusip>
			<value>509</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6487</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>5347</Sole>
				<Shared>240</Shared>
				<None>900</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DANAHER CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>235851102</cusip>
			<value>4733</value>
			<shrsOrPrnAmt>
				<sshPrnamt>55343</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>53213</Sole>
				<Shared>0</Shared>
				<None>2130</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DANAHER CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>235851102</cusip>
			<value>467</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5456</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>3636</Sole>
				<Shared>230</Shared>
				<None>1590</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>244199105</cusip>
			<value>1336</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12275</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>12275</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>244199105</cusip>
			<value>587</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5390</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>5390</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DISNEY WALT CO NEW</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>254687106</cusip>
			<value>7901</value>
			<shrsOrPrnAmt>
				<sshPrnamt>69678</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>68693</Sole>
				<Shared>0</Shared>
				<None>985</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DISNEY WALT CO NEW</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>254687106</cusip>
			<value>1352</value>
			<shrsOrPrnAmt>
				<sshPrnamt>11926</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>10496</Sole>
				<Shared>320</Shared>
				<None>1110</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DOMINION RESOURCES INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>25746U109</cusip>
			<value>2068</value>
			<shrsOrPrnAmt>
				<sshPrnamt>26659</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>25424</Sole>
				<Shared>300</Shared>
				<None>935</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DOMINION RESOURCES INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>25746U109</cusip>
			<value>790</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10184</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>6819</Sole>
				<Shared>540</Shared>
				<None>2825</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DOW CHEMICAL COMPANY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>260543103</cusip>
			<value>672</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10575</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>10575</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DOW CHEMICAL COMPANY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>260543103</cusip>
			<value>1202</value>
			<shrsOrPrnAmt>
				<sshPrnamt>18925</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>17525</Sole>
				<Shared>0</Shared>
				<None>1400</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DU PONT E I DE NEMOURS &amp; CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>263534109</cusip>
			<value>3995</value>
			<shrsOrPrnAmt>
				<sshPrnamt>49729</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>47814</Sole>
				<Shared>0</Shared>
				<None>1915</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DU PONT E I DE NEMOURS &amp; CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>263534109</cusip>
			<value>2104</value>
			<shrsOrPrnAmt>
				<sshPrnamt>26196</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>21875</Sole>
				<Shared>111</Shared>
				<None>4210</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DUKE ENERGY CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>26441C204</cusip>
			<value>254</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3103</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2471</Sole>
				<Shared>566</Shared>
				<None>66</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DUKE ENERGY CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>26441C204</cusip>
			<value>239</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2919</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2167</Sole>
				<Shared>500</Shared>
				<None>252</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ECOLAB INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>278865100</cusip>
			<value>1982</value>
			<shrsOrPrnAmt>
				<sshPrnamt>15812</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>15512</Sole>
				<Shared>0</Shared>
				<None>300</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ECOLAB INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>278865100</cusip>
			<value>234</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1865</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1415</Sole>
				<Shared>0</Shared>
				<None>450</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EMERSON ELEC CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>291011104</cusip>
			<value>1083</value>
			<shrsOrPrnAmt>
				<sshPrnamt>18088</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>17088</Sole>
				<Shared>800</Shared>
				<None>200</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EMERSON ELEC CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>291011104</cusip>
			<value>291</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4865</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>4865</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ENERGY SELECT SECTOR SPDR</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>81369Y506</cusip>
			<value>910</value>
			<shrsOrPrnAmt>
				<sshPrnamt>13016</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>12292</Sole>
				<Shared>0</Shared>
				<None>724</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ENERGY SELECT SECTOR SPDR</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>81369Y506</cusip>
			<value>90</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1283</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1050</Sole>
				<Shared>80</Shared>
				<None>153</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ENTERPRISE PRODS PARTNERS LP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>293792107</cusip>
			<value>418</value>
			<shrsOrPrnAmt>
				<sshPrnamt>15125</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>10125</Sole>
				<Shared>0</Shared>
				<None>5000</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ENTERPRISE PRODS PARTNERS LP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>293792107</cusip>
			<value>107</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3880</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>3880</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EXELON CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>30161N101</cusip>
			<value>201</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5591</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5591</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EXELON CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>30161N101</cusip>
			<value>133</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3709</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2859</Sole>
				<Shared>0</Shared>
				<None>850</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EXPRESS SCRIPTS HLDG</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>30219G108</cusip>
			<value>1278</value>
			<shrsOrPrnAmt>
				<sshPrnamt>19391</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>18677</Sole>
				<Shared>150</Shared>
				<None>564</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EXPRESS SCRIPTS HLDG</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>30219G108</cusip>
			<value>179</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2716</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2561</Sole>
				<Shared>0</Shared>
				<None>155</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EXXONMOBIL CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>30231G102</cusip>
			<value>13838</value>
			<shrsOrPrnAmt>
				<sshPrnamt>168736</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>162256</Sole>
				<Shared>1250</Shared>
				<None>5230</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EXXONMOBIL CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>30231G102</cusip>
			<value>5366</value>
			<shrsOrPrnAmt>
				<sshPrnamt>65425</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>62346</Sole>
				<Shared>579</Shared>
				<None>2500</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FACEBOOK INC-A</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>30303M102</cusip>
			<value>707</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4975</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3440</Sole>
				<Shared>0</Shared>
				<None>1535</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FACEBOOK INC-A</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>30303M102</cusip>
			<value>172</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1208</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1208</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FEDEX CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>31428X106</cusip>
			<value>331</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>FINANCIAL SELECT SECTOR SPDR</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>81369Y605</cusip>
			<value>1031</value>
			<shrsOrPrnAmt>
				<sshPrnamt>43446</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>41946</Sole>
				<Shared>0</Shared>
				<None>1500</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FINANCIAL SELECT SECTOR SPDR</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>81369Y605</cusip>
			<value>96</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4053</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>3643</Sole>
				<Shared>410</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FISERV INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>337738108</cusip>
			<value>2626</value>
			<shrsOrPrnAmt>
				<sshPrnamt>22774</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>22699</Sole>
				<Shared>0</Shared>
				<None>75</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FISERV INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>337738108</cusip>
			<value>65</value>
			<shrsOrPrnAmt>
				<sshPrnamt>566</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>566</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FORTIVE CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>34959J108</cusip>
			<value>741</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12308</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>11598</Sole>
				<Shared>0</Shared>
				<None>710</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FORTIVE CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>34959J108</cusip>
			<value>122</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2026</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1117</Sole>
				<Shared>115</Shared>
				<None>794</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FORTUNE BRANDS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>34964C106</cusip>
			<value>252</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4144</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>4144</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>369550108</cusip>
			<value>697</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3725</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3650</Sole>
				<Shared>0</Shared>
				<None>75</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>369550108</cusip>
			<value>81</value>
			<shrsOrPrnAmt>
				<sshPrnamt>435</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>435</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GENERAL ELECTRIC CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>369604103</cusip>
			<value>9648</value>
			<shrsOrPrnAmt>
				<sshPrnamt>323769</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>305908</Sole>
				<Shared>1800</Shared>
				<None>16061</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GENERAL ELECTRIC CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>369604103</cusip>
			<value>2896</value>
			<shrsOrPrnAmt>
				<sshPrnamt>97172</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>83201</Sole>
				<Shared>5096</Shared>
				<None>8875</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GENERAL MLS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>370334104</cusip>
			<value>1751</value>
			<shrsOrPrnAmt>
				<sshPrnamt>29666</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>28766</Sole>
				<Shared>0</Shared>
				<None>900</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GENERAL MLS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>370334104</cusip>
			<value>781</value>
			<shrsOrPrnAmt>
				<sshPrnamt>13232</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>11187</Sole>
				<Shared>500</Shared>
				<None>1545</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>375558103</cusip>
			<value>2684</value>
			<shrsOrPrnAmt>
				<sshPrnamt>39512</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>13712</Sole>
				<Shared>0</Shared>
				<None>25800</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>375558103</cusip>
			<value>120</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1760</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1760</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GLAXO SMITHKLINE SPONS ADR</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>37733W105</cusip>
			<value>700</value>
			<shrsOrPrnAmt>
				<sshPrnamt>16611</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>16611</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GLAXO SMITHKLINE SPONS ADR</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>37733W105</cusip>
			<value>327</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7762</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>6757</Sole>
				<Shared>255</Shared>
				<None>750</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>38141G104</cusip>
			<value>2053</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8935</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>8745</Sole>
				<Shared>40</Shared>
				<None>150</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>38141G104</cusip>
			<value>35</value>
			<shrsOrPrnAmt>
				<sshPrnamt>151</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>141</Sole>
				<Shared>10</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GRAINGER W W INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>384802104</cusip>
			<value>1563</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6714</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6614</Sole>
				<Shared>0</Shared>
				<None>100</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GRAINGER W W INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>384802104</cusip>
			<value>509</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2185</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1315</Sole>
				<Shared>0</Shared>
				<None>870</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HEALTH CARE SELECT SECTOR SPDR</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>81369Y209</cusip>
			<value>971</value>
			<shrsOrPrnAmt>
				<sshPrnamt>13059</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>12078</Sole>
				<Shared>0</Shared>
				<None>981</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>HEALTH CARE SELECT SECTOR SPDR</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>81369Y209</cusip>
			<value>192</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2576</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2576</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<shrsOrPrnAmt>
				<sshPrnamt>6611</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5233</Sole>
				<Shared>0</Shared>
				<None>1378</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>437076102</cusip>
			<value>841</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5730</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>5530</Sole>
				<Shared>0</Shared>
				<None>200</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HONEYWELL INTERNATIONAL INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>438516106</cusip>
			<value>3217</value>
			<shrsOrPrnAmt>
				<sshPrnamt>25762</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>23731</Sole>
				<Shared>0</Shared>
				<None>2031</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HONEYWELL INTERNATIONAL INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>438516106</cusip>
			<value>954</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7636</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>4063</Sole>
				<Shared>2565</Shared>
				<None>1008</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ILLINOIS TOOL WKS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>1265</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9546</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>9546</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ILLINOIS TOOL WKS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>452308109</cusip>
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			<shrsOrPrnAmt>
				<sshPrnamt>752</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>752</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INDUSTRIAL SELECT SECTOR SPDR</nameOfIssuer>
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				<sshPrnamt>20442</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>19961</Sole>
				<Shared>0</Shared>
				<None>481</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INDUSTRIAL SELECT SECTOR SPDR</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>81369Y704</cusip>
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			<shrsOrPrnAmt>
				<sshPrnamt>1784</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1684</Sole>
				<Shared>0</Shared>
				<None>100</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTEL CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>7070</value>
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				<sshPrnamt>196008</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>188828</Sole>
				<Shared>2800</Shared>
				<None>4380</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTEL CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>1530</value>
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				<sshPrnamt>42423</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>38263</Sole>
				<Shared>2460</Shared>
				<None>1700</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTL. BUSINESS MACHINES CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>459200101</cusip>
			<value>6033</value>
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				<sshPrnamt>34643</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>29938</Sole>
				<Shared>625</Shared>
				<None>4080</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTL. BUSINESS MACHINES CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<shrsOrPrnAmt>
				<sshPrnamt>15914</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>14484</Sole>
				<Shared>20</Shared>
				<None>1410</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES DJ US TELCOM SECTOR ET</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>464287713</cusip>
			<value>1218</value>
			<shrsOrPrnAmt>
				<sshPrnamt>37649</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>37649</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES DJ US TELCOM SECTOR ET</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>464287713</cusip>
			<value>31</value>
			<shrsOrPrnAmt>
				<sshPrnamt>961</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>761</Sole>
				<Shared>200</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES NASDAQ BIOTECH ETF</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>464287556</cusip>
			<value>7688</value>
			<shrsOrPrnAmt>
				<sshPrnamt>26215</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>25385</Sole>
				<Shared>65</Shared>
				<None>765</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES NASDAQ BIOTECH ETF</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>464287556</cusip>
			<value>521</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1775</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1605</Sole>
				<Shared>120</Shared>
				<None>50</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>JM SMUCKER CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>832696405</cusip>
			<value>139</value>
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				<sshPrnamt>1058</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>765</Sole>
				<Shared>0</Shared>
				<None>293</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>JM SMUCKER CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>832696405</cusip>
			<value>266</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2026</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1426</Sole>
				<Shared>600</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>478160104</cusip>
			<value>16847</value>
			<shrsOrPrnAmt>
				<sshPrnamt>135264</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>115300</Sole>
				<Shared>737</Shared>
				<None>19227</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>478160104</cusip>
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			<shrsOrPrnAmt>
				<sshPrnamt>30048</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>25593</Sole>
				<Shared>1320</Shared>
				<None>3135</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>JP MORGAN CHASE &amp; CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>46625H100</cusip>
			<value>12018</value>
			<shrsOrPrnAmt>
				<sshPrnamt>136815</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>130815</Sole>
				<Shared>225</Shared>
				<None>5775</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>JP MORGAN CHASE &amp; CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>46625H100</cusip>
			<value>3301</value>
			<shrsOrPrnAmt>
				<sshPrnamt>37580</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>31780</Sole>
				<Shared>3540</Shared>
				<None>2260</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>KBW BANK ETF</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>78464A797</cusip>
			<value>303</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7045</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6545</Sole>
				<Shared>0</Shared>
				<None>500</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>KBW BANK ETF</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>78464A797</cusip>
			<value>53</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1228</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1128</Sole>
				<Shared>0</Shared>
				<None>100</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>KBW REGIONAL BANKING ETF</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>78464A698</cusip>
			<value>4144</value>
			<shrsOrPrnAmt>
				<sshPrnamt>75878</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>75878</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>KBW REGIONAL BANKING ETF</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>78464A698</cusip>
			<value>559</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10230</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>10030</Sole>
				<Shared>100</Shared>
				<None>100</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>KEYCORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>493267108</cusip>
			<value>70</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3922</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3922</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>KEYCORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>493267108</cusip>
			<value>179</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10040</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>10040</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>KIMBERLY CLARK CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>494368103</cusip>
			<value>617</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4690</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4640</Sole>
				<Shared>0</Shared>
				<None>50</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>KIMBERLY CLARK CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>494368103</cusip>
			<value>177</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1348</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1298</Sole>
				<Shared>50</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>KRAFT HEINZ CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>500754106</cusip>
			<value>531</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5849</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5571</Sole>
				<Shared>0</Shared>
				<None>278</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>KRAFT HEINZ CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>500754106</cusip>
			<value>446</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4911</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>4555</Sole>
				<Shared>46</Shared>
				<None>310</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LILLY ELI &amp; CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>532457108</cusip>
			<value>337</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4004</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3476</Sole>
				<Shared>0</Shared>
				<None>528</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LILLY ELI &amp; CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>532457108</cusip>
			<value>589</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7008</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>5983</Sole>
				<Shared>0</Shared>
				<None>1025</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>539830109</cusip>
			<value>3450</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12892</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>12177</Sole>
				<Shared>0</Shared>
				<None>715</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>539830109</cusip>
			<value>680</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2540</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2530</Sole>
				<Shared>10</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LOWES COS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>548661107</cusip>
			<value>8924</value>
			<shrsOrPrnAmt>
				<sshPrnamt>108552</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>107977</Sole>
				<Shared>0</Shared>
				<None>575</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LOWES COS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>548661107</cusip>
			<value>1180</value>
			<shrsOrPrnAmt>
				<sshPrnamt>14355</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>13420</Sole>
				<Shared>235</Shared>
				<None>700</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>M &amp; T BANK CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>55261F104</cusip>
			<value>77</value>
			<shrsOrPrnAmt>
				<sshPrnamt>500</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>500</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>M &amp; T BANK CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>55261F104</cusip>
			<value>441</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2850</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>750</Sole>
				<Shared>2100</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MAGELLAN MIDSTREAM PARTNERS LP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>559080106</cusip>
			<value>277</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3600</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>3600</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MATERIALS SELECT SPDR FUND</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>81369Y100</cusip>
			<value>1411</value>
			<shrsOrPrnAmt>
				<sshPrnamt>26919</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>24633</Sole>
				<Shared>0</Shared>
				<None>2286</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MATERIALS SELECT SPDR FUND</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>81369Y100</cusip>
			<value>198</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3771</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>3041</Sole>
				<Shared>525</Shared>
				<None>205</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>580135101</cusip>
			<value>8920</value>
			<shrsOrPrnAmt>
				<sshPrnamt>68824</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>67073</Sole>
				<Shared>900</Shared>
				<None>851</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>580135101</cusip>
			<value>1893</value>
			<shrsOrPrnAmt>
				<sshPrnamt>14604</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>13304</Sole>
				<Shared>500</Shared>
				<None>800</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>58933Y105</cusip>
			<value>3785</value>
			<shrsOrPrnAmt>
				<sshPrnamt>59565</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>57339</Sole>
				<Shared>850</Shared>
				<None>1376</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>58933Y105</cusip>
			<value>1182</value>
			<shrsOrPrnAmt>
				<sshPrnamt>18602</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>16652</Sole>
				<Shared>75</Shared>
				<None>1875</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>METLIFE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>59156R108</cusip>
			<value>674</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12759</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>12759</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>METLIFE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>59156R108</cusip>
			<value>112</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2114</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1614</Sole>
				<Shared>500</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MICROCHIP TECHNOLOGY INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>595017104</cusip>
			<value>2194</value>
			<shrsOrPrnAmt>
				<sshPrnamt>29740</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>29240</Sole>
				<Shared>0</Shared>
				<None>500</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MICROCHIP TECHNOLOGY INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>595017104</cusip>
			<value>494</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6700</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>5275</Sole>
				<Shared>800</Shared>
				<None>625</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>594918104</cusip>
			<value>12206</value>
			<shrsOrPrnAmt>
				<sshPrnamt>185336</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>177346</Sole>
				<Shared>450</Shared>
				<None>7540</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>594918104</cusip>
			<value>2761</value>
			<shrsOrPrnAmt>
				<sshPrnamt>41918</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>34135</Sole>
				<Shared>4733</Shared>
				<None>3050</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MONDELEZ INTERNATIONAL INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>609207105</cusip>
			<value>961</value>
			<shrsOrPrnAmt>
				<sshPrnamt>22306</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>21054</Sole>
				<Shared>0</Shared>
				<None>1252</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MONDELEZ INTERNATIONAL INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>609207105</cusip>
			<value>546</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12668</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>11597</Sole>
				<Shared>138</Shared>
				<None>933</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MONSANTO CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>61166W101</cusip>
			<value>953</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8417</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>7602</Sole>
				<Shared>0</Shared>
				<None>815</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MONSANTO CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>61166W101</cusip>
			<value>289</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2555</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2485</Sole>
				<Shared>70</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NBT BANCORP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>628778102</cusip>
			<value>6855</value>
			<shrsOrPrnAmt>
				<sshPrnamt>184919</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>101568</Sole>
				<Shared>0</Shared>
				<None>83351</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NBT BANCORP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>628778102</cusip>
			<value>2303</value>
			<shrsOrPrnAmt>
				<sshPrnamt>62132</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>59732</Sole>
				<Shared>0</Shared>
				<None>2400</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>65339F101</cusip>
			<value>2820</value>
			<shrsOrPrnAmt>
				<sshPrnamt>21966</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>19526</Sole>
				<Shared>0</Shared>
				<None>2440</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>65339F101</cusip>
			<value>1069</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8328</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>5973</Sole>
				<Shared>750</Shared>
				<None>1605</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NIKE INC-CLASS B</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>654106103</cusip>
			<value>2363</value>
			<shrsOrPrnAmt>
				<sshPrnamt>42402</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>42002</Sole>
				<Shared>0</Shared>
				<None>400</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NIKE INC-CLASS B</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>654106103</cusip>
			<value>556</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9970</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>5970</Sole>
				<Shared>0</Shared>
				<None>4000</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NORFOLK SOUTHERN CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>655844108</cusip>
			<value>1107</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9883</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>8483</Sole>
				<Shared>0</Shared>
				<None>1400</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NORFOLK SOUTHERN CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>655844108</cusip>
			<value>676</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6035</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>4835</Sole>
				<Shared>0</Shared>
				<None>1200</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NOVARTIS AG SPONS ADR</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>66987V109</cusip>
			<value>2493</value>
			<shrsOrPrnAmt>
				<sshPrnamt>33563</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>33313</Sole>
				<Shared>0</Shared>
				<None>250</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NOVARTIS AG SPONS ADR</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>66987V109</cusip>
			<value>548</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7383</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>5448</Sole>
				<Shared>150</Shared>
				<None>1785</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NUCOR CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>670346105</cusip>
			<value>858</value>
			<shrsOrPrnAmt>
				<sshPrnamt>14361</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>14361</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NUCOR CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>670346105</cusip>
			<value>284</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4754</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>3254</Sole>
				<Shared>0</Shared>
				<None>1500</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ORACLE CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>68389X105</cusip>
			<value>2085</value>
			<shrsOrPrnAmt>
				<sshPrnamt>46731</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>44547</Sole>
				<Shared>0</Shared>
				<None>2184</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ORACLE CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>68389X105</cusip>
			<value>584</value>
			<shrsOrPrnAmt>
				<sshPrnamt>13085</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>12853</Sole>
				<Shared>232</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PAYPAL HOLDINGS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>70450Y103</cusip>
			<value>199</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4635</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2385</Sole>
				<Shared>0</Shared>
				<None>2250</None>
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		<infoTable>
			<nameOfIssuer>PAYPAL HOLDINGS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>70450Y103</cusip>
			<value>6</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>PEPSICO INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>713448108</cusip>
			<value>9912</value>
			<shrsOrPrnAmt>
				<sshPrnamt>88608</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>87608</Sole>
				<Shared>300</Shared>
				<None>700</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PEPSICO INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>713448108</cusip>
			<value>2463</value>
			<shrsOrPrnAmt>
				<sshPrnamt>22018</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>19318</Sole>
				<Shared>1390</Shared>
				<None>1310</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PFIZER INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>717081103</cusip>
			<value>5892</value>
			<shrsOrPrnAmt>
				<sshPrnamt>172222</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>169018</Sole>
				<Shared>0</Shared>
				<None>3204</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PFIZER INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>717081103</cusip>
			<value>1955</value>
			<shrsOrPrnAmt>
				<sshPrnamt>57142</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>52373</Sole>
				<Shared>1930</Shared>
				<None>2839</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PG &amp; E CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>69331C108</cusip>
			<value>56</value>
			<shrsOrPrnAmt>
				<sshPrnamt>846</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>846</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PG &amp; E CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>69331C108</cusip>
			<value>203</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3055</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>3055</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PHILIP MORRIS INTERNATIONAL</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>718172109</cusip>
			<value>2811</value>
			<shrsOrPrnAmt>
				<sshPrnamt>24896</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>23921</Sole>
				<Shared>0</Shared>
				<None>975</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PHILIP MORRIS INTERNATIONAL</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>718172109</cusip>
			<value>2469</value>
			<shrsOrPrnAmt>
				<sshPrnamt>21865</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>20365</Sole>
				<Shared>150</Shared>
				<None>1350</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PRAXAIR INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>74005P104</cusip>
			<value>1685</value>
			<shrsOrPrnAmt>
				<sshPrnamt>14208</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>13958</Sole>
				<Shared>0</Shared>
				<None>250</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PRAXAIR INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>74005P104</cusip>
			<value>477</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4025</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2900</Sole>
				<Shared>0</Shared>
				<None>1125</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PROCTER &amp; GAMBLE CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>742718109</cusip>
			<value>12237</value>
			<shrsOrPrnAmt>
				<sshPrnamt>136193</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>128779</Sole>
				<Shared>944</Shared>
				<None>6470</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PROCTER &amp; GAMBLE CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>742718109</cusip>
			<value>3416</value>
			<shrsOrPrnAmt>
				<sshPrnamt>38020</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>31995</Sole>
				<Shared>2255</Shared>
				<None>3770</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PRUDENTIAL FINL INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>744320102</cusip>
			<value>3712</value>
			<shrsOrPrnAmt>
				<sshPrnamt>34798</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>34698</Sole>
				<Shared>100</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PRUDENTIAL FINL INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>744320102</cusip>
			<value>326</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3054</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2704</Sole>
				<Shared>150</Shared>
				<None>200</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PUBLIC SERVICE ENTERPRISE GROU</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>744573106</cusip>
			<value>168</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3782</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3382</Sole>
				<Shared>400</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PUBLIC SERVICE ENTERPRISE GROU</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>744573106</cusip>
			<value>134</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3025</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>3025</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>QUALCOMM INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>747525103</cusip>
			<value>3703</value>
			<shrsOrPrnAmt>
				<sshPrnamt>64581</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>63507</Sole>
				<Shared>225</Shared>
				<None>849</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>QUALCOMM INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>747525103</cusip>
			<value>261</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4547</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>3402</Sole>
				<Shared>645</Shared>
				<None>500</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>QUANTA SERVICES INCORPORATED</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>74762E102</cusip>
			<value>208</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5600</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2100</Sole>
				<Shared>0</Shared>
				<None>3500</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>REAL ESTATE SELECT SECT SPDR</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>81369Y860</cusip>
			<value>1194</value>
			<shrsOrPrnAmt>
				<sshPrnamt>37782</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>37365</Sole>
				<Shared>210</Shared>
				<None>207</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>REAL ESTATE SELECT SECT SPDR</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>81369Y860</cusip>
			<value>41</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1284</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1229</Sole>
				<Shared>55</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ROCKWELL AUTOMATION INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>773903109</cusip>
			<value>296</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1900</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1700</Sole>
				<Shared>0</Shared>
				<None>200</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ROCKWELL AUTOMATION INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>773903109</cusip>
			<value>6</value>
			<shrsOrPrnAmt>
				<sshPrnamt>40</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>40</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>261</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>SEATTLE GENETICS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>812578102</cusip>
			<value>1056</value>
			<shrsOrPrnAmt>
				<sshPrnamt>16800</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4000</Sole>
				<Shared>0</Shared>
				<None>12800</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SOUTHERN COMPANY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>842587107</cusip>
			<value>1407</value>
			<shrsOrPrnAmt>
				<sshPrnamt>28261</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>27861</Sole>
				<Shared>200</Shared>
				<None>200</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SOUTHERN COMPANY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>842587107</cusip>
			<value>830</value>
			<shrsOrPrnAmt>
				<sshPrnamt>16669</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>15169</Sole>
				<Shared>1500</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>855244109</cusip>
			<value>17</value>
			<shrsOrPrnAmt>
				<sshPrnamt>294</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>294</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>855244109</cusip>
			<value>199</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3400</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>3400</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>STATE STREET CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>857477103</cusip>
			<value>525</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6594</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6419</Sole>
				<Shared>0</Shared>
				<None>175</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>STATE STREET CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>857477103</cusip>
			<value>31</value>
			<shrsOrPrnAmt>
				<sshPrnamt>385</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>385</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>863667101</cusip>
			<value>704</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5347</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5347</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>863667101</cusip>
			<value>26</value>
			<shrsOrPrnAmt>
				<sshPrnamt>200</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>200</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SYSCO CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>871829107</cusip>
			<value>452</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8705</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>8705</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SYSCO CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>871829107</cusip>
			<value>405</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7809</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>7184</Sole>
				<Shared>0</Shared>
				<None>625</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>T ROWE PRICE GROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>74144T108</cusip>
			<value>4606</value>
			<shrsOrPrnAmt>
				<sshPrnamt>67584</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>67084</Sole>
				<Shared>100</Shared>
				<None>400</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>T ROWE PRICE GROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>74144T108</cusip>
			<value>490</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7185</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>6590</Sole>
				<Shared>295</Shared>
				<None>300</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TARGET CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>87612E106</cusip>
			<value>3634</value>
			<shrsOrPrnAmt>
				<sshPrnamt>65842</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>63092</Sole>
				<Shared>125</Shared>
				<None>2625</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TARGET CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>87612E106</cusip>
			<value>347</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6280</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>5182</Sole>
				<Shared>373</Shared>
				<None>725</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TECHNOLOGY SELECT SECT SPDR</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>81369Y803</cusip>
			<value>1913</value>
			<shrsOrPrnAmt>
				<sshPrnamt>35880</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>34955</Sole>
				<Shared>325</Shared>
				<None>600</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TECHNOLOGY SELECT SECT SPDR</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>81369Y803</cusip>
			<value>190</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3559</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>3159</Sole>
				<Shared>400</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TEXTRON INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>883203101</cusip>
			<value>925</value>
			<shrsOrPrnAmt>
				<sshPrnamt>19440</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>19440</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>THE MOSAIC COMPANY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>61945C103</cusip>
			<value>512</value>
			<shrsOrPrnAmt>
				<sshPrnamt>17560</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>17560</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>THE MOSAIC COMPANY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>61945C103</cusip>
			<value>9</value>
			<shrsOrPrnAmt>
				<sshPrnamt>309</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>224</Sole>
				<Shared>85</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>883556102</cusip>
			<value>230</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1500</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>1500</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TJX COS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>872540109</cusip>
			<value>2833</value>
			<shrsOrPrnAmt>
				<sshPrnamt>35830</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>32687</Sole>
				<Shared>300</Shared>
				<None>2843</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TJX COS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>872540109</cusip>
			<value>242</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3060</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2890</Sole>
				<Shared>170</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TOYOTA MOTOR CORP SPONS ADR</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>892331307</cusip>
			<value>268</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2465</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2465</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TOYOTA MOTOR CORP SPONS ADR</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>892331307</cusip>
			<value>13</value>
			<shrsOrPrnAmt>
				<sshPrnamt>118</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>118</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TWENTY-FIRST CENTURY FOX INC C</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>90130A101</cusip>
			<value>240</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7402</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>7402</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TWENTY-FIRST CENTURY FOX INC C</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>90130A101</cusip>
			<value>24</value>
			<shrsOrPrnAmt>
				<sshPrnamt>749</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>749</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>UNION PAC CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>907818108</cusip>
			<value>5080</value>
			<shrsOrPrnAmt>
				<sshPrnamt>47963</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>46582</Sole>
				<Shared>0</Shared>
				<None>1381</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>UNION PAC CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>907818108</cusip>
			<value>1327</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12532</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>10312</Sole>
				<Shared>0</Shared>
				<None>2220</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>UNITED PARCEL SERVICE CL B</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>911312106</cusip>
			<value>732</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6820</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5820</Sole>
				<Shared>0</Shared>
				<None>1000</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>UNITED PARCEL SERVICE CL B</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>911312106</cusip>
			<value>217</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2018</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2018</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>UNITED TECHNOLOGIES CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>913017109</cusip>
			<value>7595</value>
			<shrsOrPrnAmt>
				<sshPrnamt>67690</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>62590</Sole>
				<Shared>300</Shared>
				<None>4800</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>UNITED TECHNOLOGIES CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>913017109</cusip>
			<value>1894</value>
			<shrsOrPrnAmt>
				<sshPrnamt>16880</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>14340</Sole>
				<Shared>1940</Shared>
				<None>600</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>91324P102</cusip>
			<value>4236</value>
			<shrsOrPrnAmt>
				<sshPrnamt>25829</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>23729</Sole>
				<Shared>0</Shared>
				<None>2100</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>91324P102</cusip>
			<value>169</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1032</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>757</Sole>
				<Shared>150</Shared>
				<None>125</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>UNIVEST CORP OF PENNSYLVANIA</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>915271100</cusip>
			<value>306</value>
			<shrsOrPrnAmt>
				<sshPrnamt>11812</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>11812</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>US BANCORP NEW</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>902973304</cusip>
			<value>2720</value>
			<shrsOrPrnAmt>
				<sshPrnamt>52811</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>50095</Sole>
				<Shared>0</Shared>
				<None>2716</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>US BANCORP NEW</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>902973304</cusip>
			<value>328</value>
			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>5318</Sole>
				<Shared>1045</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>UTILITIES SELECT SECTOR SPDR</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>81369Y886</cusip>
			<value>3075</value>
			<shrsOrPrnAmt>
				<sshPrnamt>59937</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>57900</Sole>
				<Shared>0</Shared>
				<None>2037</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>UTILITIES SELECT SECTOR SPDR</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>81369Y886</cusip>
			<value>161</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3143</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2273</Sole>
				<Shared>525</Shared>
				<None>345</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>V.F. CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>918204108</cusip>
			<value>227</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4130</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4130</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>V.F. CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>918204108</cusip>
			<value>16</value>
			<shrsOrPrnAmt>
				<sshPrnamt>289</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>289</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANECK VECTORS AGRIBUSINESS ET</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>92189F700</cusip>
			<value>1956</value>
			<shrsOrPrnAmt>
				<sshPrnamt>36586</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>35383</Sole>
				<Shared>100</Shared>
				<None>1103</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANECK VECTORS AGRIBUSINESS ET</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>92189F700</cusip>
			<value>82</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1526</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1301</Sole>
				<Shared>125</Shared>
				<None>100</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD REIT ETF</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>922908553</cusip>
			<value>1708</value>
			<shrsOrPrnAmt>
				<sshPrnamt>20677</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>20677</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD REIT ETF</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>922908553</cusip>
			<value>335</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4060</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>3071</Sole>
				<Shared>989</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VERIZON COMMUNICATIONS</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>92343V104</cusip>
			<value>4196</value>
			<shrsOrPrnAmt>
				<sshPrnamt>86073</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>78436</Sole>
				<Shared>2609</Shared>
				<None>5028</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VERIZON COMMUNICATIONS</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>92343V104</cusip>
			<value>2397</value>
			<shrsOrPrnAmt>
				<sshPrnamt>49163</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>41900</Sole>
				<Shared>4418</Shared>
				<None>2845</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VISA INC CL A</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>92826C839</cusip>
			<value>240</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2702</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1602</Sole>
				<Shared>0</Shared>
				<None>1100</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VISA INC CL A</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>92826C839</cusip>
			<value>45</value>
			<shrsOrPrnAmt>
				<sshPrnamt>510</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>510</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WAL MART STORES INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>931142103</cusip>
			<value>2098</value>
			<shrsOrPrnAmt>
				<sshPrnamt>29100</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>28634</Sole>
				<Shared>0</Shared>
				<None>466</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WAL MART STORES INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>931142103</cusip>
			<value>243</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3368</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2818</Sole>
				<Shared>150</Shared>
				<None>400</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WALGREENS BOOTS ALLIANCE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>931427108</cusip>
			<value>1912</value>
			<shrsOrPrnAmt>
				<sshPrnamt>23022</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>22922</Sole>
				<Shared>0</Shared>
				<None>100</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WALGREENS BOOTS ALLIANCE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>931427108</cusip>
			<value>113</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1359</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>953</Sole>
				<Shared>102</Shared>
				<None>304</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WELLS FARGO &amp; CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>949746101</cusip>
			<value>6960</value>
			<shrsOrPrnAmt>
				<sshPrnamt>125040</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>121116</Sole>
				<Shared>0</Shared>
				<None>3924</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WELLS FARGO &amp; CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>949746101</cusip>
			<value>1880</value>
			<shrsOrPrnAmt>
				<sshPrnamt>33770</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>26746</Sole>
				<Shared>2605</Shared>
				<None>4419</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WGL HLDGS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>92924F106</cusip>
			<value>191</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2320</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2320</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WGL HLDGS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>92924F106</cusip>
			<value>198</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2400</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>2400</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WR GRACE &amp; CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>38388F108</cusip>
			<value>418</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>6000</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>XCEL ENERGY INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>98389B100</cusip>
			<value>277</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6237</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3086</Sole>
				<Shared>651</Shared>
				<None>2500</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>XCEL ENERGY INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>98389B100</cusip>
			<value>34</value>
			<shrsOrPrnAmt>
				<sshPrnamt>775</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>775</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>XYLEM INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>98419M100</cusip>
			<value>319</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6346</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6346</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>XYLEM INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>98419M100</cusip>
			<value>146</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2900</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2900</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>YUM! BRANDS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>988498101</cusip>
			<value>653</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10226</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>10226</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>YUM! BRANDS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>988498101</cusip>
			<value>85</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1336</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1261</Sole>
				<Shared>75</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ZIMMER BIOMET HOLDINGS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>98956P102</cusip>
			<value>460</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3766</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3296</Sole>
				<Shared>120</Shared>
				<None>350</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ZIMMER BIOMET HOLDINGS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>98956P102</cusip>
			<value>137</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1125</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>952</Sole>
				<Shared>73</Shared>
				<None>100</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>3M CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>88579Y101</cusip>
			<value>2876</value>
			<shrsOrPrnAmt>
				<sshPrnamt>15031</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>13761</Sole>
				<Shared>450</Shared>
				<None>820</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>3M CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>88579Y101</cusip>
			<value>573</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2997</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2272</Sole>
				<Shared>50</Shared>
				<None>675</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BP PLC SPONS ADR</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>055622104</cusip>
			<value>230</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6654</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6654</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BP PLC SPONS ADR</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>055622104</cusip>
			<value>48</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1396</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1396</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NETEASE INC SPONS ADR</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>64110W102</cusip>
			<value>568</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>NOVO NORDISK AS SPONS ADR</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>670100205</cusip>
			<value>245</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7150</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>7150</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ROYAL DUTCH SHELL SPONS ADR</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>780259206</cusip>
			<value>26</value>
			<shrsOrPrnAmt>
				<sshPrnamt>495</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>495</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ROYAL DUTCH SHELL SPONS ADR</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>780259206</cusip>
			<value>251</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4761</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>4511</Sole>
				<Shared>0</Shared>
				<None>250</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ACCENTURE PLC CL A</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>G1151C101</cusip>
			<value>222</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1853</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>53</Sole>
				<Shared>0</Shared>
				<None>1800</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALLEGION PLC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>G0176J109</cusip>
			<value>247</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3266</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>3266</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EATON CORP PLC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>G29183103</cusip>
			<value>535</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7217</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>7217</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EATON CORP PLC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>G29183103</cusip>
			<value>374</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5043</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>3968</Sole>
				<Shared>0</Shared>
				<None>1075</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ENBRIDGE INCORPORATED</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>29250N105</cusip>
			<value>263</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6288</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6158</Sole>
				<Shared>0</Shared>
				<None>130</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ENBRIDGE INCORPORATED</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>29250N105</cusip>
			<value>38</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>INGERSOLL-RAND PLC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>G47791101</cusip>
			<value>65</value>
			<shrsOrPrnAmt>
				<sshPrnamt>800</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>800</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INGERSOLL-RAND PLC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>G47791101</cusip>
			<value>829</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10200</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>10200</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>G5960L103</cusip>
			<value>2275</value>
			<shrsOrPrnAmt>
				<sshPrnamt>28237</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>28192</Sole>
				<Shared>0</Shared>
				<None>45</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>G5960L103</cusip>
			<value>84</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1040</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>969</Sole>
				<Shared>71</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NXP SEMICONDUCTORS</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>N6596X109</cusip>
			<value>639</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6172</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5022</Sole>
				<Shared>0</Shared>
				<None>1150</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NXP SEMICONDUCTORS</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>N6596X109</cusip>
			<value>57</value>
			<shrsOrPrnAmt>
				<sshPrnamt>550</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>550</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>806857108</cusip>
			<value>4799</value>
			<shrsOrPrnAmt>
				<sshPrnamt>61445</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>58106</Sole>
				<Shared>0</Shared>
				<None>3339</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>806857108</cusip>
			<value>326</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4169</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>4009</Sole>
				<Shared>160</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SUNCOR ENERGY INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>867224107</cusip>
			<value>224</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7286</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6042</Sole>
				<Shared>0</Shared>
				<None>1244</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SUNCOR ENERGY INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>867224107</cusip>
			<value>41</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1330</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1330</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TORONTO DOMINION BANK</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>891160509</cusip>
			<value>1229</value>
			<shrsOrPrnAmt>
				<sshPrnamt>24532</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>23652</Sole>
				<Shared>0</Shared>
				<None>880</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AMERICAN TOWER CORP REIT</nameOfIssuer>
			<titleOfClass>OTHER</titleOfClass>
			<cusip>03027X100</cusip>
			<value>184</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1515</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AMERICAN TOWER CORP REIT</nameOfIssuer>
			<titleOfClass>OTHER</titleOfClass>
			<cusip>03027X100</cusip>
			<value>41</value>
			<shrsOrPrnAmt>
				<sshPrnamt>340</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FLEXSHARES GLOBAL UPSTREAM N</nameOfIssuer>
			<titleOfClass>OTHER</titleOfClass>
			<cusip>33939L407</cusip>
			<value>3448</value>
			<shrsOrPrnAmt>
				<sshPrnamt>117073</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FLEXSHARES GLOBAL UPSTREAM N</nameOfIssuer>
			<titleOfClass>OTHER</titleOfClass>
			<cusip>33939L407</cusip>
			<value>618</value>
			<shrsOrPrnAmt>
				<sshPrnamt>20970</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES CORE S&amp;P MID-CAP ETF</nameOfIssuer>
			<titleOfClass>OTHER</titleOfClass>
			<cusip>464287507</cusip>
			<value>4116</value>
			<shrsOrPrnAmt>
				<sshPrnamt>24041</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES CORE S&amp;P MID-CAP ETF</nameOfIssuer>
			<titleOfClass>OTHER</titleOfClass>
			<cusip>464287507</cusip>
			<value>349</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2037</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES CORE S&amp;P 500 ETF</nameOfIssuer>
			<titleOfClass>OTHER</titleOfClass>
			<cusip>464287200</cusip>
			<value>265</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1118</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES DJ SELECT DIVIDEND ETF</nameOfIssuer>
			<titleOfClass>OTHER</titleOfClass>
			<cusip>464287168</cusip>
			<value>205</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2250</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES MSCI EAFE ETF</nameOfIssuer>
			<titleOfClass>OTHER</titleOfClass>
			<cusip>464287465</cusip>
			<value>4826</value>
			<shrsOrPrnAmt>
				<sshPrnamt>77476</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES MSCI EAFE ETF</nameOfIssuer>
			<titleOfClass>OTHER</titleOfClass>
			<cusip>464287465</cusip>
			<value>561</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9002</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES MSCI EMERGING MKT ETF</nameOfIssuer>
			<titleOfClass>OTHER</titleOfClass>
			<cusip>464287234</cusip>
			<value>5325</value>
			<shrsOrPrnAmt>
				<sshPrnamt>135192</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES MSCI EMERGING MKT ETF</nameOfIssuer>
			<titleOfClass>OTHER</titleOfClass>
			<cusip>464287234</cusip>
			<value>408</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10349</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES RUSSELL 2000 ETF</nameOfIssuer>
			<titleOfClass>OTHER</titleOfClass>
			<cusip>464287655</cusip>
			<value>8313</value>
			<shrsOrPrnAmt>
				<sshPrnamt>60466</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES RUSSELL 2000 ETF</nameOfIssuer>
			<titleOfClass>OTHER</titleOfClass>
			<cusip>464287655</cusip>
			<value>495</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3600</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES S&amp;P MIDCAP 400/GRWTH E</nameOfIssuer>
			<titleOfClass>OTHER</titleOfClass>
			<cusip>464287606</cusip>
			<value>48</value>
			<shrsOrPrnAmt>
				<sshPrnamt>250</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES S&amp;P MIDCAP 400/GRWTH E</nameOfIssuer>
			<titleOfClass>OTHER</titleOfClass>
			<cusip>464287606</cusip>
			<value>220</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1150</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES S&amp;P SMALLCAP/600 GROWT</nameOfIssuer>
			<titleOfClass>OTHER</titleOfClass>
			<cusip>464287887</cusip>
			<value>31</value>
			<shrsOrPrnAmt>
				<sshPrnamt>200</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES S&amp;P SMALLCAP/600 GROWT</nameOfIssuer>
			<titleOfClass>OTHER</titleOfClass>
			<cusip>464287887</cusip>
			<value>176</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1150</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR DJIA TRUST</nameOfIssuer>
			<titleOfClass>OTHER</titleOfClass>
			<cusip>78467X109</cusip>
			<value>1332</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6457</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR DJIA TRUST</nameOfIssuer>
			<titleOfClass>OTHER</titleOfClass>
			<cusip>78467X109</cusip>
			<value>322</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1560</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR S&amp;P DIVIDEND ETF</nameOfIssuer>
			<titleOfClass>OTHER</titleOfClass>
			<cusip>78464A763</cusip>
			<value>10987</value>
			<shrsOrPrnAmt>
				<sshPrnamt>124655</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR S&amp;P DIVIDEND ETF</nameOfIssuer>
			<titleOfClass>OTHER</titleOfClass>
			<cusip>78464A763</cusip>
			<value>650</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7375</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TRUST</nameOfIssuer>
			<titleOfClass>OTHER</titleOfClass>
			<cusip>78467Y107</cusip>
			<value>10241</value>
			<shrsOrPrnAmt>
				<sshPrnamt>32779</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TRUST</nameOfIssuer>
			<titleOfClass>OTHER</titleOfClass>
			<cusip>78467Y107</cusip>
			<value>749</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2399</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR S&amp;P 500 ETF TRUST</nameOfIssuer>
			<titleOfClass>OTHER</titleOfClass>
			<cusip>78462F103</cusip>
			<value>4397</value>
			<shrsOrPrnAmt>
				<sshPrnamt>18654</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR S&amp;P 500 ETF TRUST</nameOfIssuer>
			<titleOfClass>OTHER</titleOfClass>
			<cusip>78462F103</cusip>
			<value>628</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2663</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD FTSE EMERGING MARKETS</nameOfIssuer>
			<titleOfClass>OTHER</titleOfClass>
			<cusip>922042858</cusip>
			<value>1126</value>
			<shrsOrPrnAmt>
				<sshPrnamt>28356</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD FTSE EMERGING MARKETS</nameOfIssuer>
			<titleOfClass>OTHER</titleOfClass>
			<cusip>922042858</cusip>
			<value>215</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5425</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD LARGE-CAP ETF</nameOfIssuer>
			<titleOfClass>OTHER</titleOfClass>
			<cusip>922908637</cusip>
			<value>68</value>
			<shrsOrPrnAmt>
				<sshPrnamt>625</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD LARGE-CAP ETF</nameOfIssuer>
			<titleOfClass>OTHER</titleOfClass>
			<cusip>922908637</cusip>
			<value>134</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1240</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD S&amp;P 500 ETF</nameOfIssuer>
			<titleOfClass>OTHER</titleOfClass>
			<cusip>922908363</cusip>
			<value>7654</value>
			<shrsOrPrnAmt>
				<sshPrnamt>35378</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES BARCLAYS TIPS BOND ETF</nameOfIssuer>
			<titleOfClass>OTHER</titleOfClass>
			<cusip>464287176</cusip>
			<value>215</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1877</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES BARCLAYS TIPS BOND ETF</nameOfIssuer>
			<titleOfClass>OTHER</titleOfClass>
			<cusip>464287176</cusip>
			<value>2</value>
			<shrsOrPrnAmt>
				<sshPrnamt>20</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES BARCLAYS 1-3 YEAR CR E</nameOfIssuer>
			<titleOfClass>OTHER</titleOfClass>
			<cusip>464288646</cusip>
			<value>258</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2453</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES BARCLAYS 1-3 YEAR TR E</nameOfIssuer>
			<titleOfClass>OTHER</titleOfClass>
			<cusip>464287457</cusip>
			<value>530</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6266</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES BARCLAYS 1-3 YEAR TR E</nameOfIssuer>
			<titleOfClass>OTHER</titleOfClass>
			<cusip>464287457</cusip>
			<value>3</value>
			<shrsOrPrnAmt>
				<sshPrnamt>31</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES BARCLAYS 7-10 YEAR TR</nameOfIssuer>
			<titleOfClass>OTHER</titleOfClass>
			<cusip>464287440</cusip>
			<value>381</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3612</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES CORE U.S. AGGREGATE BO</nameOfIssuer>
			<titleOfClass>OTHER</titleOfClass>
			<cusip>464287226</cusip>
			<value>368</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3395</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES S&amp;P PREF STK ETF</nameOfIssuer>
			<titleOfClass>OTHER</titleOfClass>
			<cusip>464288687</cusip>
			<value>2968</value>
			<shrsOrPrnAmt>
				<sshPrnamt>76696</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES S&amp;P PREF STK ETF</nameOfIssuer>
			<titleOfClass>OTHER</titleOfClass>
			<cusip>464288687</cusip>
			<value>499</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12894</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR BLOOMBERG BARCLAYS I/T CO</nameOfIssuer>
			<titleOfClass>OTHER</titleOfClass>
			<cusip>78464A375</cusip>
			<value>703</value>
			<shrsOrPrnAmt>
				<sshPrnamt>20605</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INTER TERM CORP BOND</nameOfIssuer>
			<titleOfClass>OTHER</titleOfClass>
			<cusip>92206C870</cusip>
			<value>930</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10766</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INTER TERM CORP BOND</nameOfIssuer>
			<titleOfClass>OTHER</titleOfClass>
			<cusip>92206C870</cusip>
			<value>229</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2650</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INTERMEDIATE-TERM BON</nameOfIssuer>
			<titleOfClass>OTHER</titleOfClass>
			<cusip>921937819</cusip>
			<value>351</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4200</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INTERMEDIATE-TERM BON</nameOfIssuer>
			<titleOfClass>OTHER</titleOfClass>
			<cusip>921937819</cusip>
			<value>31</value>
			<shrsOrPrnAmt>
				<sshPrnamt>375</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD TOTAL BOND MARKET ETF</nameOfIssuer>
			<titleOfClass>OTHER</titleOfClass>
			<cusip>921937835</cusip>
			<value>678</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8358</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
</informationTable>
