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			<nameOfIssuer>AT&amp;T Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>00206R102</cusip>
			<value>3132</value>
			<shrsOrPrnAmt>
				<sshPrnamt>87854</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>1662</value>
			<shrsOrPrnAmt>
				<sshPrnamt>46624</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<Sole>40931</Sole>
				<Shared>280</Shared>
				<None>5413</None>
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		<infoTable>
			<nameOfIssuer>Abbott Labs</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>002824100</cusip>
			<value>5112</value>
			<shrsOrPrnAmt>
				<sshPrnamt>85315</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>84815</Sole>
				<Shared>0</Shared>
				<None>500</None>
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		<infoTable>
			<nameOfIssuer>Abbott Labs</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>002824100</cusip>
			<value>1480</value>
			<shrsOrPrnAmt>
				<sshPrnamt>24695</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<Sole>22355</Sole>
				<Shared>621</Shared>
				<None>1719</None>
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		<infoTable>
			<nameOfIssuer>Abbvie Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>00287Y109</cusip>
			<value>4695</value>
			<shrsOrPrnAmt>
				<sshPrnamt>49603</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>49103</Sole>
				<Shared>0</Shared>
				<None>500</None>
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		<infoTable>
			<nameOfIssuer>Abbvie Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>00287Y109</cusip>
			<value>1944</value>
			<shrsOrPrnAmt>
				<sshPrnamt>20544</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<votingAuthority>
				<Sole>18529</Sole>
				<Shared>395</Shared>
				<None>1620</None>
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		<infoTable>
			<nameOfIssuer>Activision Blizzard, Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>00507V109</cusip>
			<value>660</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9780</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>9780</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>Activision Blizzard, Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>00507V109</cusip>
			<value>437</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6485</sshPrnamt>
				<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>1555</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9779</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>9779</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>352</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2215</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>2215</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>Allstate Corp</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>020002101</cusip>
			<value>179</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>107</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1124</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>1124</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Alphabet Inc Cl C</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>02079K107</cusip>
			<value>3597</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3486</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>3431</Sole>
				<Shared>0</Shared>
				<None>55</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Alphabet Inc Cl C</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>02079K107</cusip>
			<value>2124</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2059</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>2059</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>Alphabet Inc Cl A</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>02079K305</cusip>
			<value>3171</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3057</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>3037</Sole>
				<Shared>0</Shared>
				<None>20</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Alphabet Inc Cl A</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>02079K305</cusip>
			<value>632</value>
			<shrsOrPrnAmt>
				<sshPrnamt>609</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>609</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Altria Group Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>02209S103</cusip>
			<value>960</value>
			<shrsOrPrnAmt>
				<sshPrnamt>15405</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>14030</Sole>
				<Shared>0</Shared>
				<None>1375</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Altria Group Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>02209S103</cusip>
			<value>2490</value>
			<shrsOrPrnAmt>
				<sshPrnamt>39950</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>38900</Sole>
				<Shared>200</Shared>
				<None>850</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Amazon.Com Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>023135106</cusip>
			<value>522</value>
			<shrsOrPrnAmt>
				<sshPrnamt>361</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>361</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Amazon.Com Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>023135106</cusip>
			<value>200</value>
			<shrsOrPrnAmt>
				<sshPrnamt>138</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>138</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>American Express CO</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>025816109</cusip>
			<value>593</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6358</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>6133</Sole>
				<Shared>0</Shared>
				<None>225</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>American Express CO</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>025816109</cusip>
			<value>190</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2041</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>1755</Sole>
				<Shared>0</Shared>
				<None>286</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>American Water Works CO Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>030420103</cusip>
			<value>1014</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12350</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>12350</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>American Water Works CO Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>030420103</cusip>
			<value>864</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>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Amgen Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>031162100</cusip>
			<value>570</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3345</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>3345</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>Amgen Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>031162100</cusip>
			<value>321</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1885</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>1885</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Anadarko Petroleum Corporation</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>032511107</cusip>
			<value>98</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>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Anadarko Petroleum Corporation</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>032511107</cusip>
			<value>133</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2200</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>2200</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Apache Corp</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>037411105</cusip>
			<value>675</value>
			<shrsOrPrnAmt>
				<sshPrnamt>17542</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>17542</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>Apache Corp</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>037411105</cusip>
			<value>490</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12725</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>12725</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Apple Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>037833100</cusip>
			<value>13833</value>
			<shrsOrPrnAmt>
				<sshPrnamt>82446</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>79201</Sole>
				<Shared>105</Shared>
				<None>3140</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>Apple Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>037833100</cusip>
			<value>5610</value>
			<shrsOrPrnAmt>
				<sshPrnamt>33439</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>31684</Sole>
				<Shared>905</Shared>
				<None>850</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>Applied Materials Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>038222105</cusip>
			<value>163</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2940</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>2570</Sole>
				<Shared>0</Shared>
				<None>370</None>
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		<infoTable>
			<nameOfIssuer>Applied Materials Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>038222105</cusip>
			<value>85</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1525</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>1525</Sole>
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				<None>0</None>
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			<nameOfIssuer>Autodesk Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>052769106</cusip>
			<value>291</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2319</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>2319</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>Autoliv Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>052800109</cusip>
			<value>1568</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10744</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<nameOfIssuer>Conocophillips</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<nameOfIssuer>Digital Realty Trust Inc REIT</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<nameOfIssuer>Disney Walt CO New</nameOfIssuer>
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			<nameOfIssuer>Disney Walt CO New</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>Dominion Resources Inc</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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			<cusip>26441C204</cusip>
			<value>196</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2525</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>2173</Sole>
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				<None>252</None>
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			<nameOfIssuer>Ecolab Inc</nameOfIssuer>
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			<value>1793</value>
			<shrsOrPrnAmt>
				<sshPrnamt>13079</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>12979</Sole>
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				<None>100</None>
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		<infoTable>
			<nameOfIssuer>Ecolab Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>278865100</cusip>
			<value>427</value>
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				<sshPrnamt>3115</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
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				<Sole>2625</Sole>
				<Shared>40</Shared>
				<None>450</None>
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			<nameOfIssuer>Edwards Lifesciences Corp</nameOfIssuer>
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			<cusip>28176E108</cusip>
			<value>225</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1612</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>1612</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>Emerson Elec CO</nameOfIssuer>
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				<sshPrnamt>17241</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>16891</Sole>
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				<None>350</None>
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		<infoTable>
			<nameOfIssuer>Emerson Elec CO</nameOfIssuer>
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			<value>459</value>
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				<sshPrnamt>6715</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>6615</Sole>
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			<nameOfIssuer>Enbridge Incorporated</nameOfIssuer>
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				<sshPrnamt>5790</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>5660</Sole>
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		<infoTable>
			<nameOfIssuer>Enbridge Incorporated</nameOfIssuer>
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				<sshPrnamt>905</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
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				<Sole>905</Sole>
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				<None>0</None>
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			<nameOfIssuer>Enterprise Prods Partners LP</nameOfIssuer>
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			<value>248</value>
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				<sshPrnamt>10125</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>10125</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>Enterprise Prods Partners LP</nameOfIssuer>
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				<sshPrnamt>3880</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<votingAuthority>
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				<sshPrnamt>5596</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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			<votingAuthority>
				<Sole>5596</Sole>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<sshPrnamt>13608</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>Express Scripts Hldg</nameOfIssuer>
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			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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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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				<sshPrnamtType>SH</sshPrnamtType>
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			<votingAuthority>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>Fedex Corporation</nameOfIssuer>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<shrsOrPrnAmt>
				<sshPrnamt>38801</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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		<infoTable>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<nameOfIssuer>FlexShares Mstar Glbl Upstrm N</nameOfIssuer>
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			<shrsOrPrnAmt>
				<sshPrnamt>1066316</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>FlexShares Mstar Glbl Upstrm N</nameOfIssuer>
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			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<value>752</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>Fortive Corp</nameOfIssuer>
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			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>General Dynamics Corp</nameOfIssuer>
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			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
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			<titleOfClass>Com</titleOfClass>
			<cusip>369604103</cusip>
			<value>2349</value>
			<shrsOrPrnAmt>
				<sshPrnamt>174229</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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			<nameOfIssuer>General Mls Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
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			<value>974</value>
			<shrsOrPrnAmt>
				<sshPrnamt>21610</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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		<infoTable>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<nameOfIssuer>Gilead Sciences Inc</nameOfIssuer>
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			<value>1268</value>
			<shrsOrPrnAmt>
				<sshPrnamt>16816</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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		<infoTable>
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			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>Glaxo Smithkline Spons ADR</nameOfIssuer>
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			<nameOfIssuer>Illinois Tool Wks Inc</nameOfIssuer>
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			<nameOfIssuer>Ishares Barclays TIPS Bond ETF</nameOfIssuer>
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			<nameOfIssuer>Ishares Msci Emerging Mkt ETF</nameOfIssuer>
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			<nameOfIssuer>Ishares Msci Eafe ETF</nameOfIssuer>
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			<nameOfIssuer>Ishares Core S&amp;P Mid-Cap ETF</nameOfIssuer>
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			<nameOfIssuer>Ishares Core S&amp;P Mid-Cap ETF</nameOfIssuer>
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			<nameOfIssuer>Ishares Nasdaq Biotech ETF</nameOfIssuer>
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			<nameOfIssuer>Ishares Nasdaq Biotech ETF</nameOfIssuer>
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			<nameOfIssuer>Ishares S&amp;P Midcap 400/Grwth E</nameOfIssuer>
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			<nameOfIssuer>Ishares Russell 2000 ETF</nameOfIssuer>
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			<nameOfIssuer>Ishares Russell 2000 ETF</nameOfIssuer>
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			<nameOfIssuer>Ishares DJ US Telcom Sector ET</nameOfIssuer>
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			<nameOfIssuer>Ishares DJ US Telcom Sector ET</nameOfIssuer>
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			<nameOfIssuer>Ishares S&amp;P Smallcap/600 Growt</nameOfIssuer>
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			<nameOfIssuer>Ishares Barclays 1-3 Year Cr E</nameOfIssuer>
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			<nameOfIssuer>Mondelez International Inc</nameOfIssuer>
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				<Sole>10520</Sole>
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		<infoTable>
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				<sshPrnamt>20672</sshPrnamt>
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			<nameOfIssuer>Monsanto CO</nameOfIssuer>
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				<sshPrnamt>7294</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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			<nameOfIssuer>Nike Inc-Class B</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<value>2170</value>
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				<sshPrnamt>47437</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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			<investmentDiscretion>SOLE</investmentDiscretion>
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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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			<investmentDiscretion>OTR</investmentDiscretion>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<votingAuthority>
				<Sole>2550</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>Qualcomm Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>747525103</cusip>
			<value>2347</value>
			<shrsOrPrnAmt>
				<sshPrnamt>42361</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>41587</Sole>
				<Shared>0</Shared>
				<None>774</None>
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		<infoTable>
			<nameOfIssuer>Qualcomm Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>747525103</cusip>
			<value>986</value>
			<shrsOrPrnAmt>
				<sshPrnamt>17788</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>16868</Sole>
				<Shared>345</Shared>
				<None>575</None>
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		<infoTable>
			<nameOfIssuer>Rockwell Automation Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>773903109</cusip>
			<value>192</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1100</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>1100</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>Rockwell Automation Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>773903109</cusip>
			<value>103</value>
			<shrsOrPrnAmt>
				<sshPrnamt>590</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>590</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>Royal Dutch Shell Spons ADR</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>780259206</cusip>
			<value>122</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1905</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>1905</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>Royal Dutch Shell Spons ADR</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>780259206</cusip>
			<value>255</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4001</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>3751</Sole>
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				<None>250</None>
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		<infoTable>
			<nameOfIssuer>SPDR S&amp;P 500 ETF Trust</nameOfIssuer>
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			<cusip>78462F103</cusip>
			<value>4019</value>
			<shrsOrPrnAmt>
				<sshPrnamt>15272</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>14963</Sole>
				<Shared>0</Shared>
				<None>309</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>SPDR S&amp;P 500 ETF Trust</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>78462F103</cusip>
			<value>972</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>
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		<infoTable>
			<nameOfIssuer>SPDR Portfolio Intermediate Te</nameOfIssuer>
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			<value>665</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>
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			<nameOfIssuer>Kbw Regional Banking ETF</nameOfIssuer>
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			<cusip>78464A698</cusip>
			<value>3787</value>
			<shrsOrPrnAmt>
				<sshPrnamt>62708</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>62708</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>Kbw Regional Banking ETF</nameOfIssuer>
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				<sshPrnamt>22575</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<None>100</None>
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		<infoTable>
			<nameOfIssuer>SPDR S&amp;P Dividend ETF</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>78464A763</cusip>
			<value>10001</value>
			<shrsOrPrnAmt>
				<sshPrnamt>109659</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>109659</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>SPDR S&amp;P Dividend ETF</nameOfIssuer>
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			<value>762</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8350</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<votingAuthority>
				<Sole>7950</Sole>
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				<None>400</None>
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		<infoTable>
			<nameOfIssuer>Kbw Bank ETF</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>78464A797</cusip>
			<value>360</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7510</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>7510</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>Kbw Bank ETF</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>78464A797</cusip>
			<value>83</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1728</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>1628</Sole>
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				<None>100</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR Dow Jones Industrial Aver</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>78467X109</cusip>
			<value>1251</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5184</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>5184</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>SPDR Dow Jones Industrial Aver</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>78467X109</cusip>
			<value>467</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1935</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>1735</Sole>
				<Shared>100</Shared>
				<None>100</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>Midcap SPDR Trust Series 1</nameOfIssuer>
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			<cusip>78467Y107</cusip>
			<value>10607</value>
			<shrsOrPrnAmt>
				<sshPrnamt>31038</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>30662</Sole>
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				<None>376</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>Midcap SPDR Trust Series 1</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>78467Y107</cusip>
			<value>1099</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3215</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<votingAuthority>
				<Sole>3005</Sole>
				<Shared>175</Shared>
				<None>35</None>
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		<infoTable>
			<nameOfIssuer>Salesforce.Com</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>79466L302</cusip>
			<value>548</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4713</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>4693</Sole>
				<Shared>20</Shared>
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		<infoTable>
			<nameOfIssuer>Salesforce.Com</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
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			<value>480</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4125</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<votingAuthority>
				<Sole>4125</Sole>
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		<infoTable>
			<nameOfIssuer>Schlumberger Ltd</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>806857108</cusip>
			<value>2578</value>
			<shrsOrPrnAmt>
				<sshPrnamt>39802</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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			<votingAuthority>
				<Sole>39087</Sole>
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				<None>715</None>
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		<infoTable>
			<nameOfIssuer>Schlumberger Ltd</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>806857108</cusip>
			<value>779</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12033</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>11873</Sole>
				<Shared>160</Shared>
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		<infoTable>
			<nameOfIssuer>Charles Schwab Corp</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>808513105</cusip>
			<value>34</value>
			<shrsOrPrnAmt>
				<sshPrnamt>650</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>650</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>Charles Schwab Corp</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>808513105</cusip>
			<value>195</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3725</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>3725</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>Seattle Genetics Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>812578102</cusip>
			<value>222</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4241</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>4241</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>Materials Select SPDR Fund</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>81369Y100</cusip>
			<value>1553</value>
			<shrsOrPrnAmt>
				<sshPrnamt>27280</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>25300</Sole>
				<Shared>0</Shared>
				<None>1980</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>Materials Select SPDR Fund</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>81369Y100</cusip>
			<value>561</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9855</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>8975</Sole>
				<Shared>425</Shared>
				<None>455</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Health Care Select Sector SPDR</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>81369Y209</cusip>
			<value>988</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12137</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>11862</Sole>
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				<None>275</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>Health Care Select Sector SPDR</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>81369Y209</cusip>
			<value>197</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>706</value>
			<shrsOrPrnAmt>
				<sshPrnamt>13412</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>13027</Sole>
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				<None>385</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Consumer Staples Select Sector</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>81369Y308</cusip>
			<value>102</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1932</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>1642</Sole>
				<Shared>100</Shared>
				<None>190</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Consumer Discretionary Selt</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>81369Y407</cusip>
			<value>1548</value>
			<shrsOrPrnAmt>
				<sshPrnamt>15287</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>13387</Sole>
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				<None>1900</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>Consumer Discretionary Selt</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>81369Y407</cusip>
			<value>325</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3205</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>2540</Sole>
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		<infoTable>
			<nameOfIssuer>Energy Select Sector SPDR</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>81369Y506</cusip>
			<value>831</value>
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				<sshPrnamt>12330</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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				<Sole>11955</Sole>
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				<None>375</None>
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		<infoTable>
			<nameOfIssuer>Energy Select Sector SPDR</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>81369Y506</cusip>
			<value>94</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>1131</value>
			<shrsOrPrnAmt>
				<sshPrnamt>41023</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>39523</Sole>
				<Shared>0</Shared>
				<None>1500</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Financial Select Sector SPDR</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>81369Y605</cusip>
			<value>103</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3720</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<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>1373</value>
			<shrsOrPrnAmt>
				<sshPrnamt>18481</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>18431</Sole>
				<Shared>0</Shared>
				<None>50</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Industrial Select Sector SPDR</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>81369Y704</cusip>
			<value>132</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>2114</value>
			<shrsOrPrnAmt>
				<sshPrnamt>32308</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>31546</Sole>
				<Shared>162</Shared>
				<None>600</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Technology Select Sect SPDR</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>81369Y803</cusip>
			<value>242</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3703</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>3303</Sole>
				<Shared>400</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Real Estate Select Sect SPDR</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>81369Y860</cusip>
			<value>958</value>
			<shrsOrPrnAmt>
				<sshPrnamt>30813</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>29591</Sole>
				<Shared>105</Shared>
				<None>1117</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Real Estate Select Sect SPDR</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>81369Y860</cusip>
			<value>751</value>
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				<sshPrnamt>24153</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>24056</Sole>
				<Shared>21</Shared>
				<None>76</None>
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		<infoTable>
			<nameOfIssuer>Utilities Select Sector SPDR</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>81369Y886</cusip>
			<value>1949</value>
			<shrsOrPrnAmt>
				<sshPrnamt>38570</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>37420</Sole>
				<Shared>0</Shared>
				<None>1150</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>Utilities Select Sector SPDR</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>81369Y886</cusip>
			<value>1000</value>
			<shrsOrPrnAmt>
				<sshPrnamt>19791</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>18654</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>235</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>
			</votingAuthority>
		</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>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>Jm Smucker CO</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>832696405</cusip>
			<value>191</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>1134</value>
			<shrsOrPrnAmt>
				<sshPrnamt>25403</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>25403</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>Southern Company</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>842587107</cusip>
			<value>708</value>
			<shrsOrPrnAmt>
				<sshPrnamt>15862</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>15737</Sole>
				<Shared>0</Shared>
				<None>125</None>
			</votingAuthority>
		</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>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Starbucks Corp</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>855244109</cusip>
			<value>197</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3400</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<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>5792</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>5792</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>State Street Corp</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>857477103</cusip>
			<value>88</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>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>Stryker Corporation</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>863667101</cusip>
			<value>737</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>
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		<infoTable>
			<nameOfIssuer>Suncor Energy Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>867224107</cusip>
			<value>232</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6708</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>6433</Sole>
				<Shared>0</Shared>
				<None>275</None>
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		<infoTable>
			<nameOfIssuer>Suncor Energy Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
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			<value>62</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1800</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<votingAuthority>
				<Sole>1800</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>Sysco Corp</nameOfIssuer>
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			<cusip>871829107</cusip>
			<value>509</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>
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			<value>459</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>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>TJX Cos Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>872540109</cusip>
			<value>1714</value>
			<shrsOrPrnAmt>
				<sshPrnamt>21021</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>20371</Sole>
				<Shared>150</Shared>
				<None>500</None>
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		<infoTable>
			<nameOfIssuer>TJX Cos Inc</nameOfIssuer>
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			<value>1437</value>
			<shrsOrPrnAmt>
				<sshPrnamt>17623</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<votingAuthority>
				<Sole>17110</Sole>
				<Shared>170</Shared>
				<None>343</None>
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		<infoTable>
			<nameOfIssuer>Target Corp</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>87612E106</cusip>
			<value>2551</value>
			<shrsOrPrnAmt>
				<sshPrnamt>36737</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>36462</Sole>
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				<None>275</None>
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		<infoTable>
			<nameOfIssuer>Target Corp</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>87612E106</cusip>
			<value>1193</value>
			<shrsOrPrnAmt>
				<sshPrnamt>17186</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<votingAuthority>
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				<Shared>265</Shared>
				<None>1000</None>
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		<infoTable>
			<nameOfIssuer>Texas Instruments Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>882508104</cusip>
			<value>168</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1618</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>1368</Sole>
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				<None>250</None>
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		<infoTable>
			<nameOfIssuer>Texas Instruments Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>882508104</cusip>
			<value>55</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>1139</value>
			<shrsOrPrnAmt>
				<sshPrnamt>19320</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>19320</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>3m CO</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>88579Y101</cusip>
			<value>2967</value>
			<shrsOrPrnAmt>
				<sshPrnamt>13518</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>12558</Sole>
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				<None>620</None>
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		<infoTable>
			<nameOfIssuer>3m CO</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>88579Y101</cusip>
			<value>459</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2090</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>1455</Sole>
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		<infoTable>
			<nameOfIssuer>Toronto Dominion Bank</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>891160509</cusip>
			<value>1253</value>
			<shrsOrPrnAmt>
				<sshPrnamt>22039</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>21209</Sole>
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				<None>830</None>
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		<infoTable>
			<nameOfIssuer>Toyota Motor Corp Spons ADR</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>892331307</cusip>
			<value>302</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2316</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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			<nameOfIssuer>United Parcel Service Cl B</nameOfIssuer>
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			<nameOfIssuer>Visa Inc Cl A</nameOfIssuer>
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			<nameOfIssuer>Wells Fargo &amp; CO</nameOfIssuer>
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			<value>4665</value>
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				<sshPrnamt>89011</sshPrnamt>
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		<infoTable>
			<nameOfIssuer>Wells Fargo &amp; CO</nameOfIssuer>
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			<cusip>949746101</cusip>
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				<Sole>45322</Sole>
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			<nameOfIssuer>Xylem Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>98419M100</cusip>
			<value>448</value>
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		<infoTable>
			<nameOfIssuer>Xylem Inc</nameOfIssuer>
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			<cusip>98419M100</cusip>
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			<nameOfIssuer>Yum! Brands Inc</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>988498101</cusip>
			<value>825</value>
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		<infoTable>
			<nameOfIssuer>Yum! Brands Inc</nameOfIssuer>
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			<value>109</value>
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			<nameOfIssuer>Zimmer Biomet Holdings Inc</nameOfIssuer>
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			<value>291</value>
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		<infoTable>
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			<nameOfIssuer>Eaton Corp PLC</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>G29183103</cusip>
			<value>464</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>Medtronic PLC</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>G5960L103</cusip>
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		<infoTable>
			<nameOfIssuer>Medtronic PLC</nameOfIssuer>
			<titleOfClass>Com</titleOfClass>
			<cusip>G5960L103</cusip>
			<value>731</value>
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			<investmentDiscretion>OTR</investmentDiscretion>
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</informationTable>
