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	<infoTable>
		<nameOfIssuer>AT&amp;T INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>00206R102</cusip>
		<value>215</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8756</sshPrnamt>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
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			<Sole>8756</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>AT&amp;T INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>00206R102</cusip>
		<value>25</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>1000</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ABBOTT LABORATORIES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>002824100</cusip>
		<value>913</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6489</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>6489</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ABBVIE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>00287Y109</cusip>
		<value>268</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1981</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>1981</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ABBVIE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>00287Y109</cusip>
		<value>27</value>
		<shrsOrPrnAmt>
			<sshPrnamt>200</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>200</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ACTIVISION BLIZZARD INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>00507V109</cusip>
		<value>249</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3750</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>3750</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ACTIVISION BLIZZARD INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>00507V109</cusip>
		<value>9</value>
		<shrsOrPrnAmt>
			<sshPrnamt>129</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>129</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ADOBE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>00724F101</cusip>
		<value>392</value>
		<shrsOrPrnAmt>
			<sshPrnamt>691</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>691</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ADOBE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>00724F101</cusip>
		<value>12</value>
		<shrsOrPrnAmt>
			<sshPrnamt>21</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>21</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AIR PRODUCTS AND CHEMICALS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>009158106</cusip>
		<value>223</value>
		<shrsOrPrnAmt>
			<sshPrnamt>733</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>733</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AIR TRANSPORT SERVICES GROUP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>00922R105</cusip>
		<value>274</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9332</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>9332</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ALPHABET INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>02079K305</cusip>
		<value>1107</value>
		<shrsOrPrnAmt>
			<sshPrnamt>382</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>382</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ALPHABET INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>02079K305</cusip>
		<value>20</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>7</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>AMAZON COM INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>023135106</cusip>
		<value>1711</value>
		<shrsOrPrnAmt>
			<sshPrnamt>513</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>513</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>AMAZON COM INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>023135106</cusip>
		<value>13</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>4</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>AMERICAN TOWER CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>03027X100</cusip>
		<value>384</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1314</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>1314</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>APPLE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>037833100</cusip>
		<value>6245</value>
		<shrsOrPrnAmt>
			<sshPrnamt>35170</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>35170</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>APPLE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>037833100</cusip>
		<value>237</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1332</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>1332</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>APPLIED MATERIALS DELAWARE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>038222105</cusip>
		<value>755</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4800</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>4800</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>APPLIED MATERIALS DELAWARE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>038222105</cusip>
		<value>116</value>
		<shrsOrPrnAmt>
			<sshPrnamt>735</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>735</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AVALON BAY COMMUNITIES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>053484101</cusip>
		<value>211</value>
		<shrsOrPrnAmt>
			<sshPrnamt>834</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>834</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BANK OF AMERICA</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>060505104</cusip>
		<value>1349</value>
		<shrsOrPrnAmt>
			<sshPrnamt>30319</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>30319</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BIOLIFE SOLUTIONS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>09062W204</cusip>
		<value>1759</value>
		<shrsOrPrnAmt>
			<sshPrnamt>47208</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>6927</Sole>
			<Shared>0</Shared>
			<None>40281</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BLACKROCK INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>09247X101</cusip>
		<value>393</value>
		<shrsOrPrnAmt>
			<sshPrnamt>429</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>429</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BLACKSTONE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>09260D107</cusip>
		<value>195</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1505</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>1505</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BLACKSTONE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>09260D107</cusip>
		<value>26</value>
		<shrsOrPrnAmt>
			<sshPrnamt>200</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>200</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BOEING CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>097023105</cusip>
		<value>220</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1095</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>1095</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BRISTOL MYERS SQUIBB</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>110122108</cusip>
		<value>437</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7010</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>7010</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BRISTOL MYERS SQUIBB</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>110122108</cusip>
		<value>42</value>
		<shrsOrPrnAmt>
			<sshPrnamt>670</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>670</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BROADCOM INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>11135F101</cusip>
		<value>555</value>
		<shrsOrPrnAmt>
			<sshPrnamt>834</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>834</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CME GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>12572Q105</cusip>
		<value>228</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>1000</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CSX CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>126408103</cusip>
		<value>1061</value>
		<shrsOrPrnAmt>
			<sshPrnamt>28228</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>28228</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CSX CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>126408103</cusip>
		<value>78</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2070</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>2070</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CVS HEALTH CORPORATION</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>126650100</cusip>
		<value>442</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4287</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>4287</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHARTER COMMUNICATIONS INC NEW</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>16119P108</cusip>
		<value>537</value>
		<shrsOrPrnAmt>
			<sshPrnamt>824</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>824</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHEVRON CORPORATION</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>166764100</cusip>
		<value>3379</value>
		<shrsOrPrnAmt>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>28796</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>CHEVRON CORPORATION</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
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		<value>22</value>
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		<investmentDiscretion>OTR</investmentDiscretion>
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			<Sole>185</Sole>
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			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>CISCO SYSTEMS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>17275R102</cusip>
		<value>451</value>
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			<sshPrnamt>7112</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
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			<Sole>7112</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>CISCO SYSTEMS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>17275R102</cusip>
		<value>29</value>
		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>450</Sole>
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			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>CINTAS CORPORATION</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>172908105</cusip>
		<value>522</value>
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			<sshPrnamt>1177</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
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			<Sole>1177</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>CITIGROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>172967424</cusip>
		<value>281</value>
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			<sshPrnamt>4660</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>4660</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>CITIZENS FINANCIAL GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>174610105</cusip>
		<value>214</value>
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			<sshPrnamt>4523</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
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			<Sole>4523</Sole>
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		<nameOfIssuer>CLOROX</nameOfIssuer>
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		<cusip>189054109</cusip>
		<value>244</value>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>1400</Sole>
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			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>CLOROX</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>189054109</cusip>
		<value>20</value>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>115</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>COCA COLA</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>191216100</cusip>
		<value>228</value>
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			<sshPrnamt>3843</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>3843</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>COMCAST CORP NEW</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>20030N101</cusip>
		<value>346</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6868</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>6868</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>20825C104</cusip>
		<value>226</value>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
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			<Sole>3125</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>20825C104</cusip>
		<value>38</value>
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			<sshPrnamt>520</sshPrnamt>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>520</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>CORNING INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>219350105</cusip>
		<value>256</value>
		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>6700</Sole>
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			<None>170</None>
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	<infoTable>
		<nameOfIssuer>CORNING INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>219350105</cusip>
		<value>17</value>
		<shrsOrPrnAmt>
			<sshPrnamt>450</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>450</Sole>
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			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>COSTCO WHOLESALE CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>22160K105</cusip>
		<value>1050</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1850</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>1850</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>D R HORTON INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>23331A109</cusip>
		<value>485</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4470</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>4470</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>DANAHER CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>235851102</cusip>
		<value>859</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2610</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>2610</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>DANAHER CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>235851102</cusip>
		<value>17</value>
		<shrsOrPrnAmt>
			<sshPrnamt>51</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>51</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>244199105</cusip>
		<value>1271</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3708</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>3708</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>WALT DISNEY CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>254687106</cusip>
		<value>403</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2599</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>2599</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>ESCALADE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>296056104</cusip>
		<value>2198</value>
		<shrsOrPrnAmt>
			<sshPrnamt>139208</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>111132</Sole>
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		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>EXXON MOBIL CORPORATION</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>30231G102</cusip>
		<value>1186</value>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
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			<Sole>19387</Sole>
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		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>EXXON MOBIL CORPORATION</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>30231G102</cusip>
		<value>31</value>
		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>500</Sole>
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			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>META PLATFORMS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>30303M102</cusip>
		<value>1405</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4176</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>4176</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>META PLATFORMS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>30303M102</cusip>
		<value>34</value>
		<shrsOrPrnAmt>
			<sshPrnamt>100</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>100</Sole>
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			<None>0</None>
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		<nameOfIssuer>FISERV</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>337738108</cusip>
		<value>910</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8765</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>8765</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>GENERAL MOTORS CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>37045V100</cusip>
		<value>435</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7411</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>7411</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>372460105</cusip>
		<value>531</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3787</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>3787</Sole>
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			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>437076102</cusip>
		<value>1580</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3808</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>3808</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>437076102</cusip>
		<value>52</value>
		<shrsOrPrnAmt>
			<sshPrnamt>125</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>125</Sole>
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			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>HONEYWELL INTERNATIONAL INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>438516106</cusip>
		<value>234</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1124</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>1124</Sole>
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			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>INTEL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>458140100</cusip>
		<value>255</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4950</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>4950</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>INTEL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>458140100</cusip>
		<value>39</value>
		<shrsOrPrnAmt>
			<sshPrnamt>750</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>750</Sole>
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		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>IBM</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>459200101</cusip>
		<value>313</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2342</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>2342</Sole>
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	<infoTable>
		<nameOfIssuer>IBM</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>459200101</cusip>
		<value>40</value>
		<shrsOrPrnAmt>
			<sshPrnamt>300</sshPrnamt>
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		<nameOfIssuer>KROGER CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>501044101</cusip>
		<value>388</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8575</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>8575</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>L3 HARRIS TECHNOLOGIES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>502431109</cusip>
		<value>205</value>
		<shrsOrPrnAmt>
			<sshPrnamt>960</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>960</Sole>
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			<None>0</None>
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		<nameOfIssuer>LENNOX INTL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>526107107</cusip>
		<value>734</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2264</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>2264</Sole>
			<Shared>0</Shared>
			<None>0</None>
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	<infoTable>
		<nameOfIssuer>ELI LILLY &amp; CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>532457108</cusip>
		<value>762</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2757</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>2757</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>LOWES COMPANY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>548661107</cusip>
		<value>980</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3790</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>3790</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>MCDONALDS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>580135101</cusip>
		<value>805</value>
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			<sshPrnamt>3003</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>3003</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>MCDONALDS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>580135101</cusip>
		<value>27</value>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>100</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>MERCK &amp; CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>58933Y105</cusip>
		<value>659</value>
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			<sshPrnamt>8605</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>8605</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>MERCK &amp; CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>58933Y105</cusip>
		<value>66</value>
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			<sshPrnamt>865</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>865</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>594918104</cusip>
		<value>3262</value>
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			<sshPrnamt>9698</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
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			<Sole>9698</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>594918104</cusip>
		<value>92</value>
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			<sshPrnamt>273</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>273</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>MORGAN STANLEY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>617446448</cusip>
		<value>498</value>
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			<sshPrnamt>5075</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>5075</Sole>
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			<None>0</None>
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		<nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>65339F101</cusip>
		<value>682</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7300</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>7300</Sole>
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			<None>0</None>
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		<nameOfIssuer>NIKE CLASS B</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>654106103</cusip>
		<value>303</value>
		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>1820</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>67066G104</cusip>
		<value>922</value>
		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>3135</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>67066G104</cusip>
		<value>25</value>
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			<sshPrnamt>84</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>84</Sole>
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			<None>0</None>
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		<nameOfIssuer>ORACLE CORPORATION</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>68389X105</cusip>
		<value>919</value>
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			<sshPrnamt>10542</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>10542</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>PNC FINANCIAL SERVICES GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>693475105</cusip>
		<value>245</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1224</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>1224</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>PPG INDUSTRIES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>693506107</cusip>
		<value>416</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2415</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>2415</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>PPG INDUSTRIES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>693506107</cusip>
		<value>17</value>
		<shrsOrPrnAmt>
			<sshPrnamt>100</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>100</Sole>
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			<None>0</None>
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		<nameOfIssuer>PARKER HANNIFIN CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>701094104</cusip>
		<value>202</value>
		<shrsOrPrnAmt>
			<sshPrnamt>635</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>635</Sole>
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			<None>0</None>
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		<nameOfIssuer>PAYCHEX INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>704326107</cusip>
		<value>224</value>
		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>1644</Sole>
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			<None>0</None>
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		<nameOfIssuer>PAYPAL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>70450Y103</cusip>
		<value>409</value>
		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>2170</Sole>
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	<infoTable>
		<nameOfIssuer>PAYPAL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>70450Y103</cusip>
		<value>10</value>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>53</Sole>
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			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PEOPLES BANCORP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>709789101</cusip>
		<value>25752</value>
		<shrsOrPrnAmt>
			<sshPrnamt>809555</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>17431</Sole>
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	<infoTable>
		<nameOfIssuer>PEOPLES BANCORP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>709789101</cusip>
		<value>370</value>
		<shrsOrPrnAmt>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
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			<Shared>11617</Shared>
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		<nameOfIssuer>PEPSICO INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>713448108</cusip>
		<value>888</value>
		<shrsOrPrnAmt>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
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	<infoTable>
		<nameOfIssuer>PEPSICO INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>713448108</cusip>
		<value>58</value>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>334</Sole>
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		<nameOfIssuer>PFIZER INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>717081103</cusip>
		<value>341</value>
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			<sshPrnamt>5768</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
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			<Sole>5768</Sole>
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	<infoTable>
		<nameOfIssuer>PFIZER INC</nameOfIssuer>
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		<cusip>717081103</cusip>
		<value>83</value>
		<shrsOrPrnAmt>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>1400</Sole>
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			<None>0</None>
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		<nameOfIssuer>PHILLIPS 66</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>718546104</cusip>
		<value>512</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7070</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
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			<Sole>7070</Sole>
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	<infoTable>
		<nameOfIssuer>PHILLIPS 66</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>718546104</cusip>
		<value>12</value>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
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	<infoTable>
		<nameOfIssuer>PROCTER &amp; GAMBLE CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>742718109</cusip>
		<value>3228</value>
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		<investmentDiscretion>DFND</investmentDiscretion>
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			<Sole>19732</Sole>
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	<infoTable>
		<nameOfIssuer>PROCTER &amp; GAMBLE CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>742718109</cusip>
		<value>159</value>
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			<sshPrnamt>974</sshPrnamt>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
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			<Sole>974</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>PRUDENTIAL FINANCIAL INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>744320102</cusip>
		<value>346</value>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
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			<Sole>3193</Sole>
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	<infoTable>
		<nameOfIssuer>PRUDENTIAL FINANCIAL INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>744320102</cusip>
		<value>14</value>
		<shrsOrPrnAmt>
			<sshPrnamt>125</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>125</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>QUALCOMM INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>747525103</cusip>
		<value>204</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1117</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>1117</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>RAYTHEON TECHNOLOGIES CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>75513E101</cusip>
		<value>232</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2690</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>2690</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>RAYTHEON TECHNOLOGIES CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>75513E101</cusip>
		<value>11</value>
		<shrsOrPrnAmt>
			<sshPrnamt>125</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>125</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>S &amp; P GLOBAL INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>78409V104</cusip>
		<value>319</value>
		<shrsOrPrnAmt>
			<sshPrnamt>675</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>675</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>78462F103</cusip>
		<value>7377</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15531</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>15531</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>78464A474</cusip>
		<value>620</value>
		<shrsOrPrnAmt>
			<sshPrnamt>20008</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>20008</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>78464A763</cusip>
		<value>901</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6975</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>6975</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>78468R408</cusip>
		<value>266</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9796</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>9796</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>78468R408</cusip>
		<value>247</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9094</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>9094</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SCHWAB</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>808524797</cusip>
		<value>4388</value>
		<shrsOrPrnAmt>
			<sshPrnamt>54285</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>54285</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SHERWIN WILLIAMS CO. COMMON</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>824348106</cusip>
		<value>532</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1511</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>1511</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>STRYKER</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>863667101</cusip>
		<value>528</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1974</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>1974</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TEXAS INSTRUMENTS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>882508104</cusip>
		<value>290</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1538</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>1538</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TEXAS INSTRUMENTS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>882508104</cusip>
		<value>24</value>
		<shrsOrPrnAmt>
			<sshPrnamt>125</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>125</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TRUIST FINANCIAL CORPORATION</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>89832Q109</cusip>
		<value>482</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8236</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>8236</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TRUIST FINANCIAL CORPORATION</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>89832Q109</cusip>
		<value>11</value>
		<shrsOrPrnAmt>
			<sshPrnamt>194</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>194</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TWITTER INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>90184L102</cusip>
		<value>271</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6265</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>6265</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UNION PACIFIC CORP </nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>907818108</cusip>
		<value>879</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3491</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>3491</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UNION PACIFIC CORP </nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>907818108</cusip>
		<value>25</value>
		<shrsOrPrnAmt>
			<sshPrnamt>100</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>100</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UNITED BANKSHARES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>909907107</cusip>
		<value>307</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8460</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>8460</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>91324P102</cusip>
		<value>625</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1244</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>1244</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>91324P102</cusip>
		<value>25</value>
		<shrsOrPrnAmt>
			<sshPrnamt>50</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>50</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD </nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>921943858</cusip>
		<value>1975</value>
		<shrsOrPrnAmt>
			<sshPrnamt>38689</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>38689</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>922042858</cusip>
		<value>1152</value>
		<shrsOrPrnAmt>
			<sshPrnamt>23286</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>23286</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>92204A702</cusip>
		<value>1523</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3325</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>3325</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>MUTUAL FUNDS - </titleOfClass>
		<cusip>922908769</cusip>
		<value>231</value>
		<shrsOrPrnAmt>
			<sshPrnamt>956</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>956</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VERIZON COMMUNICATIONS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>92343V104</cusip>
		<value>421</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8096</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>8096</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VERIZON COMMUNICATIONS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>92343V104</cusip>
		<value>40</value>
		<shrsOrPrnAmt>
			<sshPrnamt>765</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>765</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VISA INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>92826C839</cusip>
		<value>322</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1485</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>1485</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VISA INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>92826C839</cusip>
		<value>11</value>
		<shrsOrPrnAmt>
			<sshPrnamt>52</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>52</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ZOETIS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>98978V103</cusip>
		<value>499</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2044</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>2044</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ACCENTURE PLC </nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>G1151C101</cusip>
		<value>541</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1304</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>1304</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>LINDE PLC</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>G5494J103</cusip>
		<value>585</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1690</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>1690</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>G5960L103</cusip>
		<value>341</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3297</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>3297</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
</informationTable>
