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    <nameOfIssuer>Dominion Res 6.125% 4/01/2016</nameOfIssuer>
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    <cusip>25746U703</cusip>
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  <infoTable>
    <nameOfIssuer>Dominion Res 6.125% 4/01/2016</nameOfIssuer>
    <titleOfClass>CV PFD</titleOfClass>
    <cusip>25746U703</cusip>
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      <sshPrnamt>4000</sshPrnamt>
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      <None>4000</None>
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    <nameOfIssuer>Metlife Inc 5% Ser 3/26/14</nameOfIssuer>
    <titleOfClass>CV PFD</titleOfClass>
    <cusip>59156R116</cusip>
    <value>80</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2800</sshPrnamt>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2800</None>
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    <nameOfIssuer>Metlife Inc 5% Ser 3/26/14</nameOfIssuer>
    <titleOfClass>CV PFD</titleOfClass>
    <cusip>59156R116</cusip>
    <value>209</value>
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      <sshPrnamt>7300</sshPrnamt>
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      <Sole>2100</Sole>
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      <None>5200</None>
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    <nameOfIssuer>3M Co.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>88579Y101</cusip>
    <value>152</value>
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      <sshPrnamt>1270</sshPrnamt>
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    <votingAuthority>
      <Sole>795</Sole>
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      <None>475</None>
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  <infoTable>
    <nameOfIssuer>3M Co.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>88579Y101</cusip>
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      <sshPrnamt>3912</sshPrnamt>
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    <votingAuthority>
      <Sole>712</Sole>
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      <None>3200</None>
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    <nameOfIssuer>AFLAC Inc.</nameOfIssuer>
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    <cusip>001055102</cusip>
    <value>2813</value>
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      <sshPrnamt>45382</sshPrnamt>
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      <Sole>40538</Sole>
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      <None>4844</None>
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    <nameOfIssuer>AFLAC Inc.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>001055102</cusip>
    <value>307</value>
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      <None>4950</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>00206R102</cusip>
    <value>27</value>
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      <sshPrnamt>800</sshPrnamt>
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      <None>800</None>
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    <cusip>00206R102</cusip>
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      <sshPrnamt>5439</sshPrnamt>
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    <nameOfIssuer>AbbVie Inc.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>00287Y109</cusip>
    <value>159</value>
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      <sshPrnamt>3560</sshPrnamt>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3560</None>
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    <nameOfIssuer>AbbVie Inc.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>00287Y109</cusip>
    <value>347</value>
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      <sshPrnamt>7750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <nameOfIssuer>Abbott Labs</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>002824100</cusip>
    <value>118</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3560</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
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      <None>3560</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>002824100</cusip>
    <value>251</value>
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    <nameOfIssuer>Albemarle Corp.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>733</value>
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      <None>0</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>018490102</cusip>
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      <sshPrnamt>22375</sshPrnamt>
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      <None>1000</None>
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    <nameOfIssuer>American Intl Group Com New</nameOfIssuer>
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    <cusip>026874784</cusip>
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      <Sole>118035</Sole>
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    <value>1067</value>
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    <votingAuthority>
      <Sole>250</Sole>
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      <None>21700</None>
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    <nameOfIssuer>Annaly Capital Mgmt Inc.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>035710409</cusip>
    <value>139</value>
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    <titleOfClass>COM</titleOfClass>
    <cusip>035710409</cusip>
    <value>373</value>
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    <titleOfClass>COM</titleOfClass>
    <cusip>037833100</cusip>
    <value>16573</value>
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      <sshPrnamt>34762</sshPrnamt>
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    <votingAuthority>
      <Sole>19424</Sole>
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      <None>15338</None>
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    <nameOfIssuer>Apple, Inc.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>037833100</cusip>
    <value>2765</value>
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      <Sole>885</Sole>
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      <None>4915</None>
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    <nameOfIssuer>Applied Materials Inc.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>038222105</cusip>
    <value>2656</value>
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      <Sole>130700</Sole>
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      <None>20800</None>
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    <nameOfIssuer>Applied Materials Inc.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>038222105</cusip>
    <value>167</value>
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      <sshPrnamt>9500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>9500</Sole>
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      <None>0</None>
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    <cusip>055622104</cusip>
    <value>229</value>
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      <Sole>0</Sole>
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      <None>5449</None>
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    <nameOfIssuer>Berkshire Hathaway Cl B</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>084670207</cusip>
    <value>205</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1807</sshPrnamt>
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    <votingAuthority>
      <Sole>1807</Sole>
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      <None>0</None>
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    <shrsOrPrnAmt>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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      <None>200</None>
    </votingAuthority>
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    <titleOfClass>COM</titleOfClass>
    <cusip>099724106</cusip>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>63540</Sole>
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      <None>70415</None>
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      <sshPrnamt>12350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2225</Sole>
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      <None>10125</None>
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    <nameOfIssuer>Bristol Myers Squibb</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>110122108</cusip>
    <value>101</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1687</Sole>
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      <None>500</None>
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  <infoTable>
    <nameOfIssuer>Bristol Myers Squibb</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>110122108</cusip>
    <value>282</value>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5500</Sole>
      <Shared>0</Shared>
      <None>600</None>
    </votingAuthority>
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    <nameOfIssuer>CVS Caremark Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>126650100</cusip>
    <value>21</value>
    <shrsOrPrnAmt>
      <sshPrnamt>370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
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      <None>170</None>
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  <infoTable>
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    <titleOfClass>COM</titleOfClass>
    <cusip>126650100</cusip>
    <value>378</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6658</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6658</None>
    </votingAuthority>
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    <nameOfIssuer>Capital One Finl Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14040H105</cusip>
    <value>9319</value>
    <shrsOrPrnAmt>
      <sshPrnamt>135565</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>53640</Sole>
      <Shared>0</Shared>
      <None>81925</None>
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  <infoTable>
    <nameOfIssuer>Capital One Finl Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14040H105</cusip>
    <value>392</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>150</Sole>
      <Shared>0</Shared>
      <None>5550</None>
    </votingAuthority>
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    <nameOfIssuer>Celgene Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>151020104</cusip>
    <value>13846</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89829</sshPrnamt>
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      <None>60895</None>
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  <infoTable>
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    <titleOfClass>COM</titleOfClass>
    <cusip>151020104</cusip>
    <value>956</value>
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      <sshPrnamt>6200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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      <None>4800</None>
    </votingAuthority>
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    <titleOfClass>COM</titleOfClass>
    <cusip>156782104</cusip>
    <value>10268</value>
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      <sshPrnamt>195400</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>111700</None>
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  <infoTable>
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    <value>774</value>
    <shrsOrPrnAmt>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <None>14720</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>808513105</cusip>
    <value>316</value>
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    <value>63</value>
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      <None>0</None>
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    <nameOfIssuer>Chart Inds Inc</nameOfIssuer>
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    <cusip>16115Q308</cusip>
    <value>9237</value>
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      <sshPrnamt>75070</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21825</Sole>
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      <None>53245</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>16115Q308</cusip>
    <value>448</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3640</None>
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    <cusip>166764100</cusip>
    <value>3913</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32208</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19505</Sole>
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      <None>12703</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>166764100</cusip>
    <value>4185</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34443</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>6276</Sole>
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      <None>28167</None>
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    <nameOfIssuer>Cisco Systems</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>3592</value>
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      <sshPrnamt>153321</sshPrnamt>
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    <votingAuthority>
      <Sole>128021</Sole>
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      <None>25300</None>
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    <cusip>17275R102</cusip>
    <value>1361</value>
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    <votingAuthority>
      <Sole>5850</Sole>
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      <None>52225</None>
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    <cusip>191216100</cusip>
    <value>430</value>
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      <sshPrnamt>11342</sshPrnamt>
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    <votingAuthority>
      <Sole>5400</Sole>
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      <None>5942</None>
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    <cusip>191216100</cusip>
    <value>316</value>
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      <sshPrnamt>8350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2800</Sole>
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      <None>5550</None>
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    <value>278</value>
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      <sshPrnamt>4000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4000</None>
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    <nameOfIssuer>Costco Wholesale</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>22160K105</cusip>
    <value>11418</value>
    <shrsOrPrnAmt>
      <sshPrnamt>99139</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>47528</Sole>
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      <None>51611</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>22160K105</cusip>
    <value>1794</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15581</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1456</Sole>
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      <None>14125</None>
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    <nameOfIssuer>DR Horton Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>23331A109</cusip>
    <value>8395</value>
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      <sshPrnamt>432045</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>219850</Sole>
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      <None>212195</None>
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    <nameOfIssuer>DR Horton Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>23331A109</cusip>
    <value>696</value>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>600</Sole>
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      <None>35200</None>
    </votingAuthority>
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    <nameOfIssuer>Dentsply Intl Inc New</nameOfIssuer>
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    <cusip>249030107</cusip>
    <value>641</value>
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      <sshPrnamt>14762</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14762</Sole>
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      <None>0</None>
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    <nameOfIssuer>Disney Walt Co Del</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>254687106</cusip>
    <value>11985</value>
    <shrsOrPrnAmt>
      <sshPrnamt>185849</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>90570</Sole>
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      <None>95279</None>
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    <nameOfIssuer>Disney Walt Co Del</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>254687106</cusip>
    <value>1026</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15906</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2356</Sole>
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      <None>13550</None>
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    <nameOfIssuer>Dollar Gen Corp.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>256677105</cusip>
    <value>11099</value>
    <shrsOrPrnAmt>
      <sshPrnamt>196590</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>89460</Sole>
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      <None>107130</None>
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  <infoTable>
    <nameOfIssuer>Dollar Gen Corp.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>256677105</cusip>
    <value>1050</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18590</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2325</Sole>
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      <None>16265</None>
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    <nameOfIssuer>EMC Corp Mass</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>268648102</cusip>
    <value>914</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35745</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>33000</Sole>
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      <None>2745</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>268648102</cusip>
    <value>141</value>
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      <sshPrnamt>5500</sshPrnamt>
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      <None>5500</None>
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    <nameOfIssuer>Embraer SA Spons ADR</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29082A107</cusip>
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      <None>112575</None>
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  <infoTable>
    <nameOfIssuer>Embraer SA Spons ADR</nameOfIssuer>
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      <sshPrnamt>14100</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4000</Sole>
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      <None>10100</None>
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    <nameOfIssuer>Express Scripts Holding Co (ne</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30219G108</cusip>
    <value>10822</value>
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      <sshPrnamt>175121</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>74601</Sole>
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      <None>100520</None>
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  <infoTable>
    <nameOfIssuer>Express Scripts Holding Co (ne</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30219G108</cusip>
    <value>1125</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18209</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2575</Sole>
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      <None>15634</None>
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    <value>319</value>
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      <sshPrnamt>3704</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>600</Sole>
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      <None>3104</None>
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    <cusip>30231G102</cusip>
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    <shrsOrPrnAmt>
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      <None>6738</None>
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    <nameOfIssuer>Gallagher Arthur J &amp; Co</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>363576109</cusip>
    <value>11659</value>
    <shrsOrPrnAmt>
      <sshPrnamt>267110</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>120700</Sole>
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      <None>146410</None>
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  <infoTable>
    <nameOfIssuer>Gallagher Arthur J &amp; Co</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>363576109</cusip>
    <value>1645</value>
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      <sshPrnamt>37675</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>7000</Sole>
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      <None>30675</None>
    </votingAuthority>
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    <nameOfIssuer>General Elec Co</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>369604103</cusip>
    <value>7505</value>
    <shrsOrPrnAmt>
      <sshPrnamt>314149</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>220789</Sole>
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      <None>93360</None>
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  <infoTable>
    <nameOfIssuer>General Elec Co</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>369604103</cusip>
    <value>1780</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74523</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>13575</Sole>
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      <None>60948</None>
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    <nameOfIssuer>General Mills Inc</nameOfIssuer>
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    <cusip>370334104</cusip>
    <value>216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>300</Sole>
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      <None>4200</None>
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    <nameOfIssuer>Goldman Sachs Group</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>38141G104</cusip>
    <value>4746</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>30000</None>
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    <nameOfIssuer>Google, Inc.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>38259P508</cusip>
    <value>13812</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15769</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8109</Sole>
      <Shared>0</Shared>
      <None>7660</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Google, Inc.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>38259P508</cusip>
    <value>1133</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1294</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>264</Sole>
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      <None>1030</None>
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    <nameOfIssuer>Hartford Financial Svcs</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>416515104</cusip>
    <value>13013</value>
    <shrsOrPrnAmt>
      <sshPrnamt>418169</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>187748</Sole>
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      <None>230421</None>
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  <infoTable>
    <nameOfIssuer>Hartford Financial Svcs</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>416515104</cusip>
    <value>1936</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>11822</Sole>
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      <None>50378</None>
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    <nameOfIssuer>Hershey Co</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>427866108</cusip>
    <value>7269</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78584</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>26284</Sole>
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      <None>52300</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>428291108</cusip>
    <value>13464</value>
    <shrsOrPrnAmt>
      <sshPrnamt>347005</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>152475</Sole>
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      <None>194530</None>
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  <infoTable>
    <nameOfIssuer>Hexcel Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>428291108</cusip>
    <value>1301</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33535</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>650</Sole>
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      <None>32885</None>
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    <cusip>459200101</cusip>
    <value>468</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>925</Sole>
      <Shared>0</Shared>
      <None>1600</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Int'l Bus Mach</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>459200101</cusip>
    <value>951</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5135</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Intel Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>458140100</cusip>
    <value>9602</value>
    <shrsOrPrnAmt>
      <sshPrnamt>418900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>206775</Sole>
      <Shared>0</Shared>
      <None>212125</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Intel Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>458140100</cusip>
    <value>1606</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70070</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>12755</Sole>
      <Shared>0</Shared>
      <None>57315</None>
    </votingAuthority>
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    <nameOfIssuer>Johnson &amp; Johnson</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>478160104</cusip>
    <value>7301</value>
    <shrsOrPrnAmt>
      <sshPrnamt>84221</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>63576</Sole>
      <Shared>0</Shared>
      <None>20645</None>
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  <infoTable>
    <nameOfIssuer>Johnson &amp; Johnson</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>478160104</cusip>
    <value>1687</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19457</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4657</Sole>
      <Shared>0</Shared>
      <None>14800</None>
    </votingAuthority>
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    <nameOfIssuer>Kimberly Clark Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>494368103</cusip>
    <value>269</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1750</Sole>
      <Shared>0</Shared>
      <None>1100</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Kimberly Clark Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>494368103</cusip>
    <value>773</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>6900</None>
    </votingAuthority>
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    <nameOfIssuer>McDonalds Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>580135101</cusip>
    <value>342</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1800</Sole>
      <Shared>0</Shared>
      <None>1750</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>McDonalds Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>580135101</cusip>
    <value>907</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9425</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3700</Sole>
      <Shared>0</Shared>
      <None>5725</None>
    </votingAuthority>
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    <nameOfIssuer>Metlife Inc.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>59156R108</cusip>
    <value>5722</value>
    <shrsOrPrnAmt>
      <sshPrnamt>121874</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>76317</Sole>
      <Shared>0</Shared>
      <None>45557</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Metlife Inc.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>59156R108</cusip>
    <value>1233</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26257</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5140</Sole>
      <Shared>0</Shared>
      <None>21117</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Microsoft Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>594918104</cusip>
    <value>33</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1000</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Microsoft Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>594918104</cusip>
    <value>511</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3150</Sole>
      <Shared>0</Shared>
      <None>12200</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Mylan</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>628530107</cusip>
    <value>13117</value>
    <shrsOrPrnAmt>
      <sshPrnamt>343635</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>152745</Sole>
      <Shared>0</Shared>
      <None>190890</None>
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  <infoTable>
    <nameOfIssuer>Mylan</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>628530107</cusip>
    <value>1216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>31550</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NYSE Euronext</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>629491101</cusip>
    <value>250</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>650</Sole>
      <Shared>0</Shared>
      <None>5300</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Nestle SA Spons ADR (For Reg)</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>641069406</cusip>
    <value>4286</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61581</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>58076</Sole>
      <Shared>0</Shared>
      <None>3505</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Nestle SA Spons ADR (For Reg)</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>641069406</cusip>
    <value>1299</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18666</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5850</Sole>
      <Shared>0</Shared>
      <None>12816</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Oracle Systems Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>68389X105</cusip>
    <value>7513</value>
    <shrsOrPrnAmt>
      <sshPrnamt>226494</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>92909</Sole>
      <Shared>0</Shared>
      <None>133585</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Oracle Systems Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>68389X105</cusip>
    <value>836</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2700</Sole>
      <Shared>0</Shared>
      <None>22500</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Paccar Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>693718108</cusip>
    <value>142</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2550</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Paccar Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>693718108</cusip>
    <value>195</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3500</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Pepsico Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>713448108</cusip>
    <value>11101</value>
    <shrsOrPrnAmt>
      <sshPrnamt>139635</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>68400</Sole>
      <Shared>0</Shared>
      <None>71235</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Pepsico Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>713448108</cusip>
    <value>1811</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22780</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4070</Sole>
      <Shared>0</Shared>
      <None>18710</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Pfizer Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>717081103</cusip>
    <value>84</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2915</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Pfizer Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>717081103</cusip>
    <value>731</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25432</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>6900</Sole>
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      <None>18532</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Procter &amp; Gamble Co.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>742718109</cusip>
    <value>1194</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15796</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5479</Sole>
      <Shared>0</Shared>
      <None>10317</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Procter &amp; Gamble Co.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>742718109</cusip>
    <value>1600</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1900</Sole>
      <Shared>0</Shared>
      <None>19265</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Pulte Group</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>745867101</cusip>
    <value>916</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55520</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>53375</Sole>
      <Shared>0</Shared>
      <None>2145</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Qualcomm Inc.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>747525103</cusip>
    <value>8435</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>35605</Sole>
      <Shared>0</Shared>
      <None>89695</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Qualcomm Inc.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>747525103</cusip>
    <value>798</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2475</Sole>
      <Shared>0</Shared>
      <None>9375</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Royal Dutch Shell PLC Spons AD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>780259206</cusip>
    <value>1834</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27924</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>27924</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Royal Dutch Shell PLC Spons AD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>780259206</cusip>
    <value>144</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR Gold Trust Gold Shs</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>78463V107</cusip>
    <value>308</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR Gold Trust Gold Shs</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>78463V107</cusip>
    <value>333</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2600</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Sanofi - ADR</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>80105N105</cusip>
    <value>223</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2600</Sole>
      <Shared>0</Shared>
      <None>1800</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Schlumberger Ltd</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>806857108</cusip>
    <value>8498</value>
    <shrsOrPrnAmt>
      <sshPrnamt>96170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>45710</Sole>
      <Shared>0</Shared>
      <None>50460</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Schlumberger Ltd</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>806857108</cusip>
    <value>630</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1700</Sole>
      <Shared>0</Shared>
      <None>5425</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Seadrill Ltd.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>G7945E105</cusip>
    <value>12143</value>
    <shrsOrPrnAmt>
      <sshPrnamt>269365</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>121900</Sole>
      <Shared>0</Shared>
      <None>147465</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Seadrill Ltd.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>G7945E105</cusip>
    <value>2075</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46025</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>4416</None>
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      <None>2700</None>
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    <value>182</value>
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      <sshPrnamt>2850</sshPrnamt>
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      <None>1200</None>
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      <sshPrnamt>30782</sshPrnamt>
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      <Sole>30782</Sole>
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      <None>0</None>
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    <value>8763</value>
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      <sshPrnamt>56409</sshPrnamt>
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    <votingAuthority>
      <Sole>26459</Sole>
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      <None>29950</None>
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    <cusip>907818108</cusip>
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      <sshPrnamt>8175</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>925</Sole>
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      <None>7250</None>
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    <value>162</value>
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      <sshPrnamt>1500</sshPrnamt>
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      <Sole>100</Sole>
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      <None>1400</None>
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    <cusip>913017109</cusip>
    <value>442</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1300</Sole>
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      <None>2800</None>
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    <nameOfIssuer>Verisign Inc. Com.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92343E102</cusip>
    <value>643</value>
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      <sshPrnamt>12641</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12641</Sole>
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      <None>0</None>
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    <value>40</value>
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      <sshPrnamt>850</sshPrnamt>
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    <votingAuthority>
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      <None>850</None>
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    <value>341</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <None>4400</None>
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    <nameOfIssuer>Vodafone Group PLC Spons ADR</nameOfIssuer>
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    <cusip>92857W209</cusip>
    <value>600</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17041</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8300</Sole>
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      <None>8741</None>
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      <sshPrnamt>18450</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>4800</Sole>
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      <None>13650</None>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>65760</Sole>
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      <None>80060</None>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <None>15400</None>
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    <value>5202</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16190</Sole>
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      <None>76375</None>
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    <votingAuthority>
      <Sole>86980</Sole>
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      <None>86465</None>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3025</Sole>
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      <None>17275</None>
    </votingAuthority>
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</informationTable>
