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			<nameOfIssuer>AT&amp;T Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>00206R102</cusip>
			<value>3428</value>
			<shrsOrPrnAmt>
				<sshPrnamt>88171</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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				<None>1000</None>
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		<infoTable>
			<nameOfIssuer>AT&amp;T Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>00206R102</cusip>
			<value>1894</value>
			<shrsOrPrnAmt>
				<sshPrnamt>48726</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<None>5413</None>
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		<infoTable>
			<nameOfIssuer>Abbott Labs</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>002824100</cusip>
			<value>4944</value>
			<shrsOrPrnAmt>
				<sshPrnamt>86629</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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				<Sole>86129</Sole>
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				<None>500</None>
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		<infoTable>
			<nameOfIssuer>Abbott Labs</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>002824100</cusip>
			<value>1441</value>
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				<Sole>21994</Sole>
				<Shared>1371</Shared>
				<None>1879</None>
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		<infoTable>
			<nameOfIssuer>Abbvie Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>00287Y109</cusip>
			<value>5068</value>
			<shrsOrPrnAmt>
				<sshPrnamt>52403</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>51903</Sole>
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		<infoTable>
			<nameOfIssuer>Abbvie Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>00287Y109</cusip>
			<value>2111</value>
			<shrsOrPrnAmt>
				<sshPrnamt>21824</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<Sole>18569</Sole>
				<Shared>1145</Shared>
				<None>2110</None>
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		<infoTable>
			<nameOfIssuer>Activision Blizzard, Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>00507V109</cusip>
			<value>595</value>
			<shrsOrPrnAmt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>Activision Blizzard, Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>00507V109</cusip>
			<value>411</value>
			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>6485</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>Air Products &amp; Chemicals Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>009158106</cusip>
			<value>1657</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10099</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>10099</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>Air Products &amp; Chemicals Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>009158106</cusip>
			<value>372</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2265</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>2265</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>Allstate Corp</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>020002101</cusip>
			<value>197</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1885</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>1885</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>Allstate Corp</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>020002101</cusip>
			<value>139</value>
			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>1328</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>Alphabet Inc Cl C</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>02079K107</cusip>
			<value>3659</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3497</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>3442</Sole>
				<Shared>0</Shared>
				<None>55</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Alphabet Inc Cl C</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>02079K107</cusip>
			<value>2203</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2105</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>2105</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>Alphabet Inc Cl A</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>02079K305</cusip>
			<value>3316</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3148</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>3128</Sole>
				<Shared>0</Shared>
				<None>20</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Alphabet Inc Cl A</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>02079K305</cusip>
			<value>652</value>
			<shrsOrPrnAmt>
				<sshPrnamt>619</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>619</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>Altria Group Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>02209S103</cusip>
			<value>1171</value>
			<shrsOrPrnAmt>
				<sshPrnamt>16398</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>15023</Sole>
				<Shared>0</Shared>
				<None>1375</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>Altria Group Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>02209S103</cusip>
			<value>2941</value>
			<shrsOrPrnAmt>
				<sshPrnamt>41190</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>39900</Sole>
				<Shared>200</Shared>
				<None>1090</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>Amazon.Com Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>023135106</cusip>
			<value>451</value>
			<shrsOrPrnAmt>
				<sshPrnamt>386</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>386</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>Amazon.Com Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>023135106</cusip>
			<value>132</value>
			<shrsOrPrnAmt>
				<sshPrnamt>113</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>113</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>American Express CO</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>025816109</cusip>
			<value>703</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7083</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>6833</Sole>
				<Shared>0</Shared>
				<None>250</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>American Express CO</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>025816109</cusip>
			<value>317</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3196</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>2610</Sole>
				<Shared>0</Shared>
				<None>586</None>
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		<infoTable>
			<nameOfIssuer>American Water Works CO Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>030420103</cusip>
			<value>1199</value>
			<shrsOrPrnAmt>
				<sshPrnamt>13106</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>13106</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>American Water Works CO Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>030420103</cusip>
			<value>962</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10520</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>8410</Sole>
				<Shared>100</Shared>
				<None>2010</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>Amgen Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>031162100</cusip>
			<value>625</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3595</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>3595</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>Amgen Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>031162100</cusip>
			<value>328</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1885</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<votingAuthority>
				<Sole>1885</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Anadarko Petroleum Corporation</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>032511107</cusip>
			<value>87</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1619</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>1619</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>Anadarko Petroleum Corporation</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>032511107</cusip>
			<value>140</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2610</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>2550</Sole>
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				<None>60</None>
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		<infoTable>
			<nameOfIssuer>Apache Corp</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>037411105</cusip>
			<value>714</value>
			<shrsOrPrnAmt>
				<sshPrnamt>16916</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>16916</Sole>
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		<infoTable>
			<nameOfIssuer>Apache Corp</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>037411105</cusip>
			<value>537</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12725</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>12725</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Apple Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>037833100</cusip>
			<value>14232</value>
			<shrsOrPrnAmt>
				<sshPrnamt>84100</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>80820</Sole>
				<Shared>105</Shared>
				<None>3175</None>
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		<infoTable>
			<nameOfIssuer>Apple Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>037833100</cusip>
			<value>5944</value>
			<shrsOrPrnAmt>
				<sshPrnamt>35125</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>32995</Sole>
				<Shared>1280</Shared>
				<None>850</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>Applied Materials Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>038222105</cusip>
			<value>150</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2940</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>2570</Sole>
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				<None>370</None>
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		<infoTable>
			<nameOfIssuer>Applied Materials Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>038222105</cusip>
			<value>84</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1650</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>1650</Sole>
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			<nameOfIssuer>Autodesk Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>052769106</cusip>
			<value>239</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2279</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>2279</Sole>
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				<None>0</None>
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			<nameOfIssuer>Autoliv Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>052800109</cusip>
			<value>1365</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10744</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<nameOfIssuer>Digital Realty Trust Inc REIT</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>Duke Energy Corp</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>26441C204</cusip>
			<value>272</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3234</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>2835</Sole>
				<Shared>333</Shared>
				<None>66</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>Duke Energy Corp</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>26441C204</cusip>
			<value>232</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2758</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>1673</Sole>
				<Shared>833</Shared>
				<None>252</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>Ecolab Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>278865100</cusip>
			<value>1833</value>
			<shrsOrPrnAmt>
				<sshPrnamt>13659</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>13559</Sole>
				<Shared>0</Shared>
				<None>100</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Ecolab Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>278865100</cusip>
			<value>418</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3115</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>2625</Sole>
				<Shared>40</Shared>
				<None>450</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Emerson Elec CO</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>291011104</cusip>
			<value>1169</value>
			<shrsOrPrnAmt>
				<sshPrnamt>16778</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>16428</Sole>
				<Shared>0</Shared>
				<None>350</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Emerson Elec CO</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>291011104</cusip>
			<value>524</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7515</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>6615</Sole>
				<Shared>900</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>Enbridge Incorporated</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>29250N105</cusip>
			<value>210</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5380</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>5250</Sole>
				<Shared>0</Shared>
				<None>130</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Enbridge Incorporated</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>29250N105</cusip>
			<value>35</value>
			<shrsOrPrnAmt>
				<sshPrnamt>905</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>905</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Enterprise Prods Partners LP</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>293792107</cusip>
			<value>268</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10125</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>10125</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Enterprise Prods Partners LP</nameOfIssuer>
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			<cusip>293792107</cusip>
			<value>103</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3880</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>3880</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Exelon Corp</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>30161N101</cusip>
			<value>214</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5436</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>5436</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Exelon Corp</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>30161N101</cusip>
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			<shrsOrPrnAmt>
				<sshPrnamt>3709</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>2859</Sole>
				<Shared>0</Shared>
				<None>850</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>Express Scripts Hldg</nameOfIssuer>
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			<cusip>30219G108</cusip>
			<value>1168</value>
			<shrsOrPrnAmt>
				<sshPrnamt>15642</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>14963</Sole>
				<Shared>75</Shared>
				<None>604</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>Express Scripts Hldg</nameOfIssuer>
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			<cusip>30219G108</cusip>
			<value>181</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2428</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>2278</Sole>
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				<None>150</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>Exxonmobil Corp</nameOfIssuer>
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			<value>10801</value>
			<shrsOrPrnAmt>
				<sshPrnamt>129132</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>124677</Sole>
				<Shared>925</Shared>
				<None>3530</None>
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		<infoTable>
			<nameOfIssuer>Exxonmobil Corp</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
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			<value>6799</value>
			<shrsOrPrnAmt>
				<sshPrnamt>81291</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>78201</Sole>
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		<infoTable>
			<nameOfIssuer>Facebook Inc-A</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>30303M102</cusip>
			<value>412</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2337</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>2337</Sole>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>Facebook Inc-A</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>30303M102</cusip>
			<value>166</value>
			<shrsOrPrnAmt>
				<sshPrnamt>938</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<votingAuthority>
				<Sole>938</Sole>
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		<infoTable>
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			<titleOfClass>Com</titleOfClass>
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			<value>317</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1271</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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			<votingAuthority>
				<Sole>1171</Sole>
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		<infoTable>
			<nameOfIssuer>Fedex Corporation</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
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			<value>37</value>
			<shrsOrPrnAmt>
				<sshPrnamt>150</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<votingAuthority>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>Fiserv Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
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			<value>2549</value>
			<shrsOrPrnAmt>
				<sshPrnamt>19438</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>19363</Sole>
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				<None>75</None>
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		<infoTable>
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			<value>212</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1620</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>1620</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>FlexShares Mstar Glbl Upstrm N</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>33939L407</cusip>
			<value>24760</value>
			<shrsOrPrnAmt>
				<sshPrnamt>743766</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>733916</Sole>
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				<None>9850</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>FlexShares Mstar Glbl Upstrm N</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>33939L407</cusip>
			<value>2817</value>
			<shrsOrPrnAmt>
				<sshPrnamt>84615</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>80595</Sole>
				<Shared>340</Shared>
				<None>3680</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>Fortive Corp</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>34959J108</cusip>
			<value>723</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9997</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>9387</Sole>
				<Shared>0</Shared>
				<None>610</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Fortive Corp</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>34959J108</cusip>
			<value>244</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3376</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>2532</Sole>
				<Shared>50</Shared>
				<None>794</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Franklin Resources Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>354613101</cusip>
			<value>183</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4229</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>4229</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Franklin Resources Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>354613101</cusip>
			<value>17</value>
			<shrsOrPrnAmt>
				<sshPrnamt>396</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>396</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>General Dynamics Corp</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>369550108</cusip>
			<value>944</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4640</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>4640</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>General Dynamics Corp</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>369550108</cusip>
			<value>114</value>
			<shrsOrPrnAmt>
				<sshPrnamt>560</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>510</Sole>
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			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>General Electric Corp</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>369604103</cusip>
			<value>3948</value>
			<shrsOrPrnAmt>
				<sshPrnamt>226247</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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				<Sole>219132</Sole>
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				<None>5615</None>
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		<infoTable>
			<nameOfIssuer>General Electric Corp</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>369604103</cusip>
			<value>2527</value>
			<shrsOrPrnAmt>
				<sshPrnamt>144836</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
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				<Sole>132511</Sole>
				<Shared>4900</Shared>
				<None>7425</None>
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		<infoTable>
			<nameOfIssuer>General Mls Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>370334104</cusip>
			<value>1445</value>
			<shrsOrPrnAmt>
				<sshPrnamt>24376</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>24376</Sole>
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		<infoTable>
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			<titleOfClass>Com</titleOfClass>
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			<value>721</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12167</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<Sole>9722</Sole>
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		<infoTable>
			<nameOfIssuer>Gilead Sciences Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>375558103</cusip>
			<value>1322</value>
			<shrsOrPrnAmt>
				<sshPrnamt>18449</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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				<Sole>18449</Sole>
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		<infoTable>
			<nameOfIssuer>Gilead Sciences Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
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			<shrsOrPrnAmt>
				<sshPrnamt>1960</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<Sole>1960</Sole>
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				<None>0</None>
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			<nameOfIssuer>Glaxo Smithkline Spons ADR</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>37733W105</cusip>
			<value>441</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12439</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>12439</Sole>
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		<infoTable>
			<nameOfIssuer>Glaxo Smithkline Spons ADR</nameOfIssuer>
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			<cusip>37733W105</cusip>
			<value>291</value>
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				<sshPrnamt>8212</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<Sole>7207</Sole>
				<Shared>255</Shared>
				<None>750</None>
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			<nameOfIssuer>Goldman Sachs Group Inc</nameOfIssuer>
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			<cusip>38141G104</cusip>
			<value>1238</value>
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				<sshPrnamt>4860</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>4840</Sole>
				<Shared>20</Shared>
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		<infoTable>
			<nameOfIssuer>Goldman Sachs Group Inc</nameOfIssuer>
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			<cusip>38141G104</cusip>
			<value>1026</value>
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				<sshPrnamt>4027</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
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				<Sole>4017</Sole>
				<Shared>10</Shared>
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			<nameOfIssuer>Wr Grace &amp; CO</nameOfIssuer>
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			<cusip>38388F108</cusip>
			<value>386</value>
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				<sshPrnamt>5500</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<Shared>0</Shared>
				<None>5500</None>
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			<nameOfIssuer>Grainger W W Inc</nameOfIssuer>
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				<sshPrnamt>4805</sshPrnamt>
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				<Sole>4805</Sole>
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			<nameOfIssuer>Grainger W W Inc</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<None>870</None>
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			<nameOfIssuer>Home Depot Inc</nameOfIssuer>
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			<value>1003</value>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>Home Depot Inc</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<nameOfIssuer>Honeywell International Inc</nameOfIssuer>
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			<value>3406</value>
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				<sshPrnamt>22211</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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				<None>965</None>
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		<infoTable>
			<nameOfIssuer>Honeywell International Inc</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<nameOfIssuer>Illinois Tool Wks Inc</nameOfIssuer>
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			<value>1617</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<nameOfIssuer>Intel Corp</nameOfIssuer>
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			<value>8211</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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			<nameOfIssuer>Intel Corp</nameOfIssuer>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<nameOfIssuer>Intercontinental Exchange Inc</nameOfIssuer>
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			<value>427</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>Intercontinental Exchange Inc</nameOfIssuer>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<votingAuthority>
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			<nameOfIssuer>Intl. Business Machines Corp</nameOfIssuer>
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			<cusip>459200101</cusip>
			<value>4356</value>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<nameOfIssuer>Intl. Business Machines Corp</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>Ishares DJ Select Dividend ETF</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>464287168</cusip>
			<value>234</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2370</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>Ishares Core S&amp;P 500 ETF</nameOfIssuer>
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				<sshPrnamt>1088</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>Ishares Core Total U.S. Aggreg</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>464287226</cusip>
			<value>351</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>Ishares Msci Emerging Mkt ETF</nameOfIssuer>
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			<cusip>464287234</cusip>
			<value>6738</value>
			<shrsOrPrnAmt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>Ishares Msci Emerging Mkt ETF</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>Ishares Barclays 7-10 Year Tr</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>464287440</cusip>
			<value>245</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2316</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>Ishares Barclays 1-3 Year Tr E</nameOfIssuer>
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			<cusip>464287457</cusip>
			<value>488</value>
			<shrsOrPrnAmt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>Ishares Msci Eafe ETF</nameOfIssuer>
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			<shrsOrPrnAmt>
				<sshPrnamt>80465</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>Ishares Msci Eafe ETF</nameOfIssuer>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<None>325</None>
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		<infoTable>
			<nameOfIssuer>Ishares Core S&amp;P Mid-Cap ETF</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>464287507</cusip>
			<value>4354</value>
			<shrsOrPrnAmt>
				<sshPrnamt>22943</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>Ishares Core S&amp;P Mid-Cap ETF</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>464287507</cusip>
			<value>591</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3115</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>Ishares Nasdaq Biotech ETF</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>464287556</cusip>
			<value>6505</value>
			<shrsOrPrnAmt>
				<sshPrnamt>60924</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>Ishares Nasdaq Biotech ETF</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>464287556</cusip>
			<value>1618</value>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>Ishares S&amp;P Midcap 400/Grwth E</nameOfIssuer>
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			<cusip>464287606</cusip>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>Ishares Russell 2000 ETF</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>464287655</cusip>
			<value>8920</value>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>Ishares Russell 2000 ETF</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>464287655</cusip>
			<value>868</value>
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				<sshPrnamt>5694</sshPrnamt>
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			<nameOfIssuer>Ishares DJ US Telcom Sector ET</nameOfIssuer>
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				<sshPrnamt>28750</sshPrnamt>
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			<nameOfIssuer>Ishares S&amp;P Smallcap/600 Growt</nameOfIssuer>
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				<sshPrnamt>1250</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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			<nameOfIssuer>Ishares Barclays 1-3 Year Cr E</nameOfIssuer>
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				<sshPrnamt>2453</sshPrnamt>
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			<nameOfIssuer>Ishares S&amp;P Pref Stk ETF</nameOfIssuer>
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				<sshPrnamt>67742</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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				<Sole>67742</Sole>
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			<nameOfIssuer>Ishares S&amp;P Pref Stk ETF</nameOfIssuer>
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				<sshPrnamt>18299</sshPrnamt>
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			<nameOfIssuer>JP Morgan Chase &amp; CO</nameOfIssuer>
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				<sshPrnamt>98025</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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			<nameOfIssuer>JP Morgan Chase &amp; CO</nameOfIssuer>
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				<sshPrnamt>53233</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<nameOfIssuer>Johnson &amp; Johnson</nameOfIssuer>
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			<nameOfIssuer>Johnson &amp; Johnson</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<value>509</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<value>168</value>
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				<sshPrnamt>3095</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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		<infoTable>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<votingAuthority>
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			<nameOfIssuer>Kraft Heinz CO</nameOfIssuer>
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			<value>209</value>
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				<sshPrnamt>2686</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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			<votingAuthority>
				<Sole>2597</Sole>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<nameOfIssuer>Lilly Eli &amp; CO</nameOfIssuer>
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			<cusip>532457108</cusip>
			<value>368</value>
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				<sshPrnamt>4359</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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			<votingAuthority>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<None>1025</None>
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			<cusip>539830109</cusip>
			<value>3338</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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			<nameOfIssuer>Lockheed Martin Corp</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<nameOfIssuer>Lowes Cos Inc</nameOfIssuer>
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				<sshPrnamt>79063</sshPrnamt>
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			<nameOfIssuer>Lowes Cos Inc</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<nameOfIssuer>Mastercard Inc Cl A</nameOfIssuer>
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			<value>112</value>
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				<sshPrnamt>737</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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			<nameOfIssuer>Mastercard Inc Cl A</nameOfIssuer>
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				<sshPrnamt>675</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<sshPrnamt>53118</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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		<infoTable>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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		<infoTable>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<nameOfIssuer>Nike Inc-Class B</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>5182</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>Public Service Enterprise Grou</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>744573106</cusip>
			<value>161</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3125</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>2725</Sole>
				<Shared>400</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>Qualcomm Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>747525103</cusip>
			<value>2700</value>
			<shrsOrPrnAmt>
				<sshPrnamt>42177</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>41403</Sole>
				<Shared>0</Shared>
				<None>774</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Qualcomm Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>747525103</cusip>
			<value>1197</value>
			<shrsOrPrnAmt>
				<sshPrnamt>18700</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>17155</Sole>
				<Shared>970</Shared>
				<None>575</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>Rockwell Automation Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>773903109</cusip>
			<value>236</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1200</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>1200</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Rockwell Automation Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>773903109</cusip>
			<value>116</value>
			<shrsOrPrnAmt>
				<sshPrnamt>590</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>590</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Royal Dutch Shell Spons ADR</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>780259206</cusip>
			<value>127</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1905</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>1905</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Royal Dutch Shell Spons ADR</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>780259206</cusip>
			<value>287</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4301</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>4051</Sole>
				<Shared>0</Shared>
				<None>250</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR S&amp;P 500 ETF Trust</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>78462F103</cusip>
			<value>4152</value>
			<shrsOrPrnAmt>
				<sshPrnamt>15560</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>15251</Sole>
				<Shared>0</Shared>
				<None>309</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR S&amp;P 500 ETF Trust</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>78462F103</cusip>
			<value>986</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3693</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>3333</Sole>
				<Shared>160</Shared>
				<None>200</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>SPDR Portfolio Intermediate Te</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>78464A375</cusip>
			<value>679</value>
			<shrsOrPrnAmt>
				<sshPrnamt>19828</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>19828</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Kbw Regional Banking ETF</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>78464A698</cusip>
			<value>3716</value>
			<shrsOrPrnAmt>
				<sshPrnamt>63148</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>63148</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Kbw Regional Banking ETF</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>78464A698</cusip>
			<value>1329</value>
			<shrsOrPrnAmt>
				<sshPrnamt>22575</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>22375</Sole>
				<Shared>100</Shared>
				<None>100</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR S&amp;P Dividend ETF</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>78464A763</cusip>
			<value>11711</value>
			<shrsOrPrnAmt>
				<sshPrnamt>123951</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>123951</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR S&amp;P Dividend ETF</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>78464A763</cusip>
			<value>794</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8400</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>5550</Sole>
				<Shared>2450</Shared>
				<None>400</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Kbw Bank ETF</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>78464A797</cusip>
			<value>358</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7560</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>7560</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Kbw Bank ETF</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>78464A797</cusip>
			<value>82</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1728</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>1628</Sole>
				<Shared>0</Shared>
				<None>100</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR Dow Jones Industrial Aver</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>78467X109</cusip>
			<value>1290</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5213</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>5213</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR Dow Jones Industrial Aver</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>78467X109</cusip>
			<value>544</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2200</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>1735</Sole>
				<Shared>365</Shared>
				<None>100</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Midcap SPDR Trust Series 1</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>78467Y107</cusip>
			<value>10672</value>
			<shrsOrPrnAmt>
				<sshPrnamt>30898</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>30522</Sole>
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				<None>376</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Midcap SPDR Trust Series 1</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>78467Y107</cusip>
			<value>1439</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4166</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>3956</Sole>
				<Shared>175</Shared>
				<None>35</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Salesforce.Com</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>79466L302</cusip>
			<value>182</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1782</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>1762</Sole>
				<Shared>20</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Salesforce.Com</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>79466L302</cusip>
			<value>79</value>
			<shrsOrPrnAmt>
				<sshPrnamt>775</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>775</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Schlumberger Ltd</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>806857108</cusip>
			<value>2688</value>
			<shrsOrPrnAmt>
				<sshPrnamt>39882</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>39167</Sole>
				<Shared>0</Shared>
				<None>715</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Schlumberger Ltd</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>806857108</cusip>
			<value>861</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12780</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>12620</Sole>
				<Shared>160</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Charles Schwab Corp</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>808513105</cusip>
			<value>33</value>
			<shrsOrPrnAmt>
				<sshPrnamt>650</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>650</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Charles Schwab Corp</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>808513105</cusip>
			<value>202</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3925</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>3925</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Seattle Genetics Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>812578102</cusip>
			<value>334</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6241</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>6241</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Materials Select SPDR Fund</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>81369Y100</cusip>
			<value>1700</value>
			<shrsOrPrnAmt>
				<sshPrnamt>28081</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>26101</Sole>
				<Shared>0</Shared>
				<None>1980</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Materials Select SPDR Fund</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>81369Y100</cusip>
			<value>621</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10255</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>9375</Sole>
				<Shared>425</Shared>
				<None>455</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Health Care Select Sector SPDR</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>81369Y209</cusip>
			<value>1125</value>
			<shrsOrPrnAmt>
				<sshPrnamt>13611</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>13336</Sole>
				<Shared>0</Shared>
				<None>275</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Health Care Select Sector SPDR</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>81369Y209</cusip>
			<value>201</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2426</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>2426</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Consumer Staples Select Sector</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>81369Y308</cusip>
			<value>848</value>
			<shrsOrPrnAmt>
				<sshPrnamt>14906</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>14521</Sole>
				<Shared>0</Shared>
				<None>385</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Consumer Staples Select Sector</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>81369Y308</cusip>
			<value>124</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2182</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>1892</Sole>
				<Shared>100</Shared>
				<None>190</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Consumer Discretionary Selt</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>81369Y407</cusip>
			<value>1528</value>
			<shrsOrPrnAmt>
				<sshPrnamt>15482</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>13582</Sole>
				<Shared>0</Shared>
				<None>1900</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Consumer Discretionary Selt</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>81369Y407</cusip>
			<value>329</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3330</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>2665</Sole>
				<Shared>530</Shared>
				<None>135</None>
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		<infoTable>
			<nameOfIssuer>Energy Select Sector SPDR</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>81369Y506</cusip>
			<value>878</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12150</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>11775</Sole>
				<Shared>0</Shared>
				<None>375</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Energy Select Sector SPDR</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>81369Y506</cusip>
			<value>101</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1394</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>1161</Sole>
				<Shared>80</Shared>
				<None>153</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Financial Select Sector SPDR</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>81369Y605</cusip>
			<value>1170</value>
			<shrsOrPrnAmt>
				<sshPrnamt>41932</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>40432</Sole>
				<Shared>0</Shared>
				<None>1500</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Financial Select Sector SPDR</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>81369Y605</cusip>
			<value>104</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3720</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>3562</Sole>
				<Shared>158</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Industrial Select Sector SPDR</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>81369Y704</cusip>
			<value>1403</value>
			<shrsOrPrnAmt>
				<sshPrnamt>18539</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>18489</Sole>
				<Shared>0</Shared>
				<None>50</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Industrial Select Sector SPDR</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>81369Y704</cusip>
			<value>134</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1774</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>1674</Sole>
				<Shared>0</Shared>
				<None>100</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Technology Select Sect SPDR</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>81369Y803</cusip>
			<value>2146</value>
			<shrsOrPrnAmt>
				<sshPrnamt>33560</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>32798</Sole>
				<Shared>162</Shared>
				<None>600</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Technology Select Sect SPDR</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>81369Y803</cusip>
			<value>250</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3903</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>3503</Sole>
				<Shared>400</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Real Estate Select Sect SPDR</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>81369Y860</cusip>
			<value>923</value>
			<shrsOrPrnAmt>
				<sshPrnamt>28015</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>26793</Sole>
				<Shared>105</Shared>
				<None>1117</None>
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		<infoTable>
			<nameOfIssuer>Real Estate Select Sect SPDR</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>81369Y860</cusip>
			<value>796</value>
			<shrsOrPrnAmt>
				<sshPrnamt>24153</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>24056</Sole>
				<Shared>21</Shared>
				<None>76</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>Utilities Select Sector SPDR</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>81369Y886</cusip>
			<value>2187</value>
			<shrsOrPrnAmt>
				<sshPrnamt>41515</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>40365</Sole>
				<Shared>0</Shared>
				<None>1150</None>
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		<infoTable>
			<nameOfIssuer>Utilities Select Sector SPDR</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>81369Y886</cusip>
			<value>1063</value>
			<shrsOrPrnAmt>
				<sshPrnamt>20181</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>19044</Sole>
				<Shared>525</Shared>
				<None>612</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>Sherwin Williams CO</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>824348106</cusip>
			<value>246</value>
			<shrsOrPrnAmt>
				<sshPrnamt>600</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>600</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>Jm Smucker CO</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>832696405</cusip>
			<value>117</value>
			<shrsOrPrnAmt>
				<sshPrnamt>940</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>865</Sole>
				<Shared>0</Shared>
				<None>75</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Jm Smucker CO</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>832696405</cusip>
			<value>192</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1544</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>1526</Sole>
				<Shared>0</Shared>
				<None>18</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Southern Company</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>842587107</cusip>
			<value>1223</value>
			<shrsOrPrnAmt>
				<sshPrnamt>25424</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>25424</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Southern Company</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>842587107</cusip>
			<value>828</value>
			<shrsOrPrnAmt>
				<sshPrnamt>17228</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>15403</Sole>
				<Shared>1700</Shared>
				<None>125</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>Starbucks Corp</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>855244109</cusip>
			<value>5</value>
			<shrsOrPrnAmt>
				<sshPrnamt>94</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>94</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>Starbucks Corp</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>855244109</cusip>
			<value>195</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3400</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>3400</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>State Street Corp</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>857477103</cusip>
			<value>578</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5917</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>5917</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>State Street Corp</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>857477103</cusip>
			<value>86</value>
			<shrsOrPrnAmt>
				<sshPrnamt>885</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>710</Sole>
				<Shared>0</Shared>
				<None>175</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>Stryker Corporation</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>863667101</cusip>
			<value>709</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4577</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>4577</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Suncor Energy Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>867224107</cusip>
			<value>191</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5214</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>4939</Sole>
				<Shared>0</Shared>
				<None>275</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>Suncor Energy Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>867224107</cusip>
			<value>66</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1800</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>1800</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Sysco Corp</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>871829107</cusip>
			<value>516</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8490</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>8490</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>Sysco Corp</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
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			<value>465</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7649</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>7224</Sole>
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				<None>425</None>
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		<infoTable>
			<nameOfIssuer>TJX Cos Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>872540109</cusip>
			<value>1604</value>
			<shrsOrPrnAmt>
				<sshPrnamt>20976</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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			<votingAuthority>
				<Sole>20326</Sole>
				<Shared>150</Shared>
				<None>500</None>
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		<infoTable>
			<nameOfIssuer>TJX Cos Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
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			<value>1320</value>
			<shrsOrPrnAmt>
				<sshPrnamt>17268</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>16755</Sole>
				<Shared>170</Shared>
				<None>343</None>
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		<infoTable>
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			<titleOfClass>Com</titleOfClass>
			<cusip>87612E106</cusip>
			<value>2327</value>
			<shrsOrPrnAmt>
				<sshPrnamt>35664</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>35389</Sole>
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				<None>275</None>
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		<infoTable>
			<nameOfIssuer>Target Corp</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>87612E106</cusip>
			<value>1151</value>
			<shrsOrPrnAmt>
				<sshPrnamt>17635</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<votingAuthority>
				<Sole>16370</Sole>
				<Shared>265</Shared>
				<None>1000</None>
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		<infoTable>
			<nameOfIssuer>Texas Instruments Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>882508104</cusip>
			<value>203</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1943</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>1643</Sole>
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				<None>300</None>
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		<infoTable>
			<nameOfIssuer>Texas Instruments Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>882508104</cusip>
			<value>56</value>
			<shrsOrPrnAmt>
				<sshPrnamt>532</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>400</Sole>
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				<None>132</None>
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		<infoTable>
			<nameOfIssuer>Textron Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>883203101</cusip>
			<value>1100</value>
			<shrsOrPrnAmt>
				<sshPrnamt>19440</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>19440</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>3m CO</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>88579Y101</cusip>
			<value>3328</value>
			<shrsOrPrnAmt>
				<sshPrnamt>14141</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>13181</Sole>
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		<infoTable>
			<nameOfIssuer>3m CO</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>88579Y101</cusip>
			<value>498</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2115</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<Sole>1480</Sole>
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		<infoTable>
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			<titleOfClass>Com</titleOfClass>
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			<value>1439</value>
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				<sshPrnamt>24572</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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			<nameOfIssuer>Visa Inc Cl A</nameOfIssuer>
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			<value>1373</value>
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		<infoTable>
			<nameOfIssuer>Walgreens Boots Alliance Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>931427108</cusip>
			<value>103</value>
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				<sshPrnamt>1418</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<Sole>1114</Sole>
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		<infoTable>
			<nameOfIssuer>Wells Fargo &amp; CO</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>949746101</cusip>
			<value>5396</value>
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				<sshPrnamt>88937</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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				<Sole>88537</Sole>
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				<None>400</None>
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		<infoTable>
			<nameOfIssuer>Wells Fargo &amp; CO</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>949746101</cusip>
			<value>3081</value>
			<shrsOrPrnAmt>
				<sshPrnamt>50786</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<Sole>43863</Sole>
				<Shared>2705</Shared>
				<None>4218</None>
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		<infoTable>
			<nameOfIssuer>Xcel Energy Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>98389B100</cusip>
			<value>148</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3086</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>3086</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>Xcel Energy Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>98389B100</cusip>
			<value>69</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1426</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>775</Sole>
				<Shared>651</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>Xylem Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>98419M100</cusip>
			<value>377</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5526</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
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				<Sole>5526</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>Xylem Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>98419M100</cusip>
			<value>233</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3420</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<Sole>3420</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>Yum! Brands Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>988498101</cusip>
			<value>805</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9861</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>Yum! Brands Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>988498101</cusip>
			<value>109</value>
			<shrsOrPrnAmt>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<Shared>75</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>Zimmer Biomet Holdings Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>98956P102</cusip>
			<value>323</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2676</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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				<Shared>60</Shared>
				<None>270</None>
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		<infoTable>
			<nameOfIssuer>Zimmer Biomet Holdings Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>98956P102</cusip>
			<value>209</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1731</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<Shared>23</Shared>
				<None>116</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>Eaton Corp PLC</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>G29183103</cusip>
			<value>493</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6235</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>5955</Sole>
				<Shared>0</Shared>
				<None>280</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Eaton Corp PLC</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>G29183103</cusip>
			<value>478</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6049</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>4974</Sole>
				<Shared>0</Shared>
				<None>1075</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Medtronic PLC</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>G5960L103</cusip>
			<value>1144</value>
			<shrsOrPrnAmt>
				<sshPrnamt>14170</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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			<votingAuthority>
				<Sole>14170</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Medtronic PLC</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>G5960L103</cusip>
			<value>748</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9259</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>9188</Sole>
				<Shared>71</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
</informationTable>
