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    <nameOfIssuer>Aflac Inc.</nameOfIssuer>
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    <cusip>001055102</cusip>
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    <nameOfIssuer>Aflac Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>001055102</cusip>
    <value>32</value>
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      <sshPrnamt>450</sshPrnamt>
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    <nameOfIssuer>AT&amp;T Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>00206R102</cusip>
    <value>196</value>
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      <sshPrnamt>4823</sshPrnamt>
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    <nameOfIssuer>AT&amp;T Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>00206R102</cusip>
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    <nameOfIssuer>Abbott Laboratories</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>002824100</cusip>
    <value>1626</value>
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    <nameOfIssuer>Abbott Laboratories</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>002824100</cusip>
    <value>354</value>
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    <nameOfIssuer>Abbvie Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>00287Y109</cusip>
    <value>889</value>
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      <sshPrnamt>14088</sshPrnamt>
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    <titleOfClass>Com</titleOfClass>
    <cusip>00287Y109</cusip>
    <value>82</value>
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      <sshPrnamt>1306</sshPrnamt>
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    <nameOfIssuer>Activision Blizzard Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>00507V109</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
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      <Sole>200</Sole>
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    <nameOfIssuer>Air Lease Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>00912X302</cusip>
    <value>25</value>
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      <sshPrnamt>865</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>Air Products &amp; Chemicals Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>009158106</cusip>
    <value>46</value>
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      <sshPrnamt>307</sshPrnamt>
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    <nameOfIssuer>Alibaba Group Holding Ltd</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>01609W102</cusip>
    <value>32</value>
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      <sshPrnamt>300</sshPrnamt>
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    <nameOfIssuer>Alibaba Group Holding Ltd</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>01609W102</cusip>
    <value>32</value>
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      <sshPrnamt>300</sshPrnamt>
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    <nameOfIssuer>Alliant Energy Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>018802108</cusip>
    <value>95</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2492</sshPrnamt>
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    <nameOfIssuer>Alphabet Inc Cap Class C</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>02079K107</cusip>
    <value>152</value>
    <shrsOrPrnAmt>
      <sshPrnamt>196</sshPrnamt>
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    <nameOfIssuer>Alphabet Inc Cap Class C</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>02079K107</cusip>
    <value>7</value>
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      <sshPrnamt>9</sshPrnamt>
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      <Sole>9</Sole>
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    <nameOfIssuer>Alphabet Inc Cap Class A</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>02079K305</cusip>
    <value>3228</value>
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      <sshPrnamt>4015</sshPrnamt>
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    <nameOfIssuer>Alphabet Inc Cap Class A</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>02079K305</cusip>
    <value>1000</value>
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    <nameOfIssuer>Altria Group Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>02209S103</cusip>
    <value>2674</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42285</sshPrnamt>
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    <titleOfClass>Com</titleOfClass>
    <cusip>02209S103</cusip>
    <value>603</value>
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    <nameOfIssuer>Amazon.com Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>023135106</cusip>
    <value>84</value>
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      <sshPrnamt>100</sshPrnamt>
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    <nameOfIssuer>America Movil Sa De Sv Sponsored ADR</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>02364W105</cusip>
    <value>11</value>
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    <titleOfClass>Com</titleOfClass>
    <cusip>025537101</cusip>
    <value>1964</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30586</sshPrnamt>
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    <titleOfClass>Com</titleOfClass>
    <cusip>025537101</cusip>
    <value>221</value>
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    <titleOfClass>Com</titleOfClass>
    <cusip>025816109</cusip>
    <value>24</value>
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      <sshPrnamt>375</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>American Tower Corp Cl A</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>03027X100</cusip>
    <value>40</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
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    <titleOfClass>Com</titleOfClass>
    <cusip>030420103</cusip>
    <value>75</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
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    <nameOfIssuer>Amerisourcebergen Corp Com</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>03073E105</cusip>
    <value>1659</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20536</sshPrnamt>
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    <titleOfClass>Com</titleOfClass>
    <cusip>03073E105</cusip>
    <value>587</value>
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      <sshPrnamt>7269</sshPrnamt>
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      <Sole>7269</Sole>
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    <nameOfIssuer>Ameriprise Financial Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>03076C106</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75</sshPrnamt>
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      <Sole>75</Sole>
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    <nameOfIssuer>Amerigas Partners L P Unit</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>030975106</cusip>
    <value>34</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
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      <Sole>750</Sole>
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    <nameOfIssuer>Anadarko Petroleum Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>032511107</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47</sshPrnamt>
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      <Sole>47</Sole>
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    <nameOfIssuer>Anthem Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>036752103</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>100</Sole>
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  <infoTable>
    <nameOfIssuer>Anthem Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>036752103</cusip>
    <value>22</value>
    <shrsOrPrnAmt>
      <sshPrnamt>177</sshPrnamt>
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    <nameOfIssuer>Apple Computer Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>037833100</cusip>
    <value>3992</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35315</sshPrnamt>
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  <infoTable>
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    <titleOfClass>Com</titleOfClass>
    <cusip>037833100</cusip>
    <value>1035</value>
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    <titleOfClass>Com</titleOfClass>
    <cusip>038222105</cusip>
    <value>3</value>
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    <titleOfClass>Com</titleOfClass>
    <cusip>039483102</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
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    <nameOfIssuer>Astrazeneca PLC  Sponsored ADR UK</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>046353108</cusip>
    <value>28</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>2000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Roper Industries Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>776696106</cusip>
    <value>768</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4210</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>4210</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Roper Industries Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>776696106</cusip>
    <value>447</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>2450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Royal Bank of Scotland ADR</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>780097689</cusip>
    <value>26</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5555</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>5555</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Royal Dutch Shell</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>780259107</cusip>
    <value>884</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16734</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>16734</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Royal Dutch Shell</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>780259107</cusip>
    <value>237</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4494</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>4494</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Royal Dutch Shell PLC Sponsored ADR</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>780259206</cusip>
    <value>58</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>1160</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Royal Dutch Shell PLC Sponsored ADR</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>780259206</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>140</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>S &amp; P Index Spider</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>78462F103</cusip>
    <value>2657</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12286</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>12286</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>S &amp; P Index Spider</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>78462F103</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>39</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Spider Gold Tr</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>78463V107</cusip>
    <value>154</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1227</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>1227</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Spider Gold Tr</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>78463V107</cusip>
    <value>101</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Spider High Yield ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>78464A417</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>70</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR KBW Regal  Bkg</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>78464A698</cusip>
    <value>28</value>
    <shrsOrPrnAmt>
      <sshPrnamt>658</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>658</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S &amp; P Retail ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>78464A714</cusip>
    <value>51</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>1165</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P Dividend ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>78464A763</cusip>
    <value>27</value>
    <shrsOrPrnAmt>
      <sshPrnamt>322</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>322</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P Biotech ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>78464A870</cusip>
    <value>77</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1164</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>1164</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P Biotech ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>78464A870</cusip>
    <value>63</value>
    <shrsOrPrnAmt>
      <sshPrnamt>951</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>951</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR Dow Jones Indl Average Ser 1</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>78467X109</cusip>
    <value>331</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1812</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>1812</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P Midcap 400 Ser 1</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>78467Y107</cusip>
    <value>711</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2519</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>2519</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Sasol Ltd Sponsored ADR</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>803866300</cusip>
    <value>26</value>
    <shrsOrPrnAmt>
      <sshPrnamt>940</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>940</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Schlumberger Ltd</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>806857108</cusip>
    <value>2702</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34353</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>34353</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Schlumberger Ltd</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>806857108</cusip>
    <value>442</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5617</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>5617</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Scripps Networks Interactive CL A</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>811065101</cusip>
    <value>1568</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24691</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>24691</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Scripps Networks Interactive CL A</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>811065101</cusip>
    <value>430</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6770</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>6770</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR Materials ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>81369Y100</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Sector Spdr Healthcare</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>81369Y209</cusip>
    <value>23</value>
    <shrsOrPrnAmt>
      <sshPrnamt>325</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>325</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Sector Spdr Healthcare</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>81369Y209</cusip>
    <value>59</value>
    <shrsOrPrnAmt>
      <sshPrnamt>820</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>820</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Select Sector Spdr Tr Consumer Staples</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>81369Y308</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR Discrectionary ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>81369Y407</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>75</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Select Sector Spider Tr Energy</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>81369Y506</cusip>
    <value>1782</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25239</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>25239</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Select Sector Spider Tr Energy</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>81369Y506</cusip>
    <value>433</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6136</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>6136</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Financial Select Sector SPDR</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>393</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>393</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Financial Select Sector SPDR</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>21</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>1100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Industrial Select Sector Spdr</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>81369Y704</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Select Sector Spider Technology</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>57</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1183</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>1183</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Select Sector Spider Technology</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>48</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Real Estate Select Sector SPDR</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>81369Y860</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>55</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Real Estate Select Sector SPDR</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>81369Y860</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>153</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>153</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>Select Sector Spdr Tr Utils</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>81369Y886</cusip>
    <value>231</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4720</sshPrnamt>
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    <titleOfClass>Com</titleOfClass>
    <cusip>81369Y886</cusip>
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      <sshPrnamt>3054</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>Shire PLC ADR</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>82481R106</cusip>
    <value>145</value>
    <shrsOrPrnAmt>
      <sshPrnamt>746</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>Shire PLC ADR</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>82481R106</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44</sshPrnamt>
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      <Sole>44</Sole>
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      <None>0</None>
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    <nameOfIssuer>Siemens Ag Com ADR</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>826197501</cusip>
    <value>12</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>100</Sole>
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      <None>0</None>
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    <nameOfIssuer>Simon Property Group Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>828806109</cusip>
    <value>77</value>
    <shrsOrPrnAmt>
      <sshPrnamt>372</sshPrnamt>
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      <None>0</None>
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    <cusip>831756101</cusip>
    <value>11</value>
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      <sshPrnamt>403</sshPrnamt>
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    <nameOfIssuer>Smucker J M Co</nameOfIssuer>
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    <cusip>832696405</cusip>
    <value>41</value>
    <shrsOrPrnAmt>
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      <None>0</None>
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    <cusip>833034101</cusip>
    <value>30</value>
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      <None>0</None>
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    <nameOfIssuer>Southern Co.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>842587107</cusip>
    <value>80</value>
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      <None>0</None>
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    <titleOfClass>Com</titleOfClass>
    <cusip>842587107</cusip>
    <value>154</value>
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    <cusip>844741108</cusip>
    <value>12</value>
    <shrsOrPrnAmt>
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    <titleOfClass>Com</titleOfClass>
    <cusip>847560109</cusip>
    <value>1811</value>
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    <nameOfIssuer>Spectra Energy Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>847560109</cusip>
    <value>305</value>
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    <nameOfIssuer>Stanley Black &amp; Decker Inc</nameOfIssuer>
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    <cusip>854502101</cusip>
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    <titleOfClass>Com</titleOfClass>
    <cusip>857477103</cusip>
    <value>28</value>
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    <titleOfClass>Com</titleOfClass>
    <cusip>858912108</cusip>
    <value>1118</value>
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    <titleOfClass>Com</titleOfClass>
    <cusip>858912108</cusip>
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    <titleOfClass>Com</titleOfClass>
    <cusip>863667101</cusip>
    <value>12</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
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    <nameOfIssuer>Summit Hotel Properties Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>866082100</cusip>
    <value>275</value>
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    <titleOfClass>Com</titleOfClass>
    <cusip>871829107</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>366</sshPrnamt>
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    <nameOfIssuer>Target Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>87612E106</cusip>
    <value>2198</value>
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    <nameOfIssuer>Target Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>87612E106</cusip>
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    <nameOfIssuer>Templeton Emerging Markets Income</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>880192109</cusip>
    <value>33</value>
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    <nameOfIssuer>Teradata Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>88076W103</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>205</sshPrnamt>
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    <nameOfIssuer>Thermo Fisher Scientific Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>883556102</cusip>
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  <infoTable>
    <nameOfIssuer>Thermo Fisher Scientific Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>883556102</cusip>
    <value>337</value>
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    <titleOfClass>Com</titleOfClass>
    <cusip>88579Y101</cusip>
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    <nameOfIssuer>Total SA ADR</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>89151E109</cusip>
    <value>32</value>
    <shrsOrPrnAmt>
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    <titleOfClass>Com</titleOfClass>
    <cusip>891906109</cusip>
    <value>27</value>
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    <nameOfIssuer>Tyson Foods Inc Class A</nameOfIssuer>
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    <cusip>902494103</cusip>
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    <nameOfIssuer>Tyson Foods Inc Class A</nameOfIssuer>
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    <nameOfIssuer>US Bancorp Del Com New</nameOfIssuer>
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    <cusip>902973304</cusip>
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  <infoTable>
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    <titleOfClass>Com</titleOfClass>
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    <titleOfClass>Com</titleOfClass>
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    <titleOfClass>Com</titleOfClass>
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    <titleOfClass>Com</titleOfClass>
    <cusip>G65773106</cusip>
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    <value>4</value>
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    <cusip>N07831105</cusip>
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    <titleOfClass>Com</titleOfClass>
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    <value>20</value>
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    <titleOfClass>Com</titleOfClass>
    <cusip>Y09827109</cusip>
    <value>824</value>
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    <cusip>Y8564M105</cusip>
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</informationTable>
