<SEC-DOCUMENT>0001008937-23-000003.txt : 20230710 <SEC-HEADER>0001008937-23-000003.hdr.sgml : 20230710 <ACCEPTANCE-DATETIME>20230710132831 ACCESSION NUMBER: 0001008937-23-000003 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20230630 FILED AS OF DATE: 20230710 DATE AS OF CHANGE: 20230710 EFFECTIVENESS DATE: 20230710 FILER: COMPANY DATA: COMPANY CONFORMED NAME: TRUST CO OF TOLEDO NA /OH/ CENTRAL INDEX KEY: 0001008937 IRS NUMBER: 341661757 STATE OF INCORPORATION: OH FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 13F-HR SEC ACT: 1934 Act SEC FILE NUMBER: 028-05302 FILM NUMBER: 231079194 BUSINESS ADDRESS: STREET 1: 1630 TIMBERWOLF DR CITY: HOLLAND STATE: OH ZIP: 43528 BUSINESS PHONE: 4194910969 MAIL ADDRESS: STREET 1: 1630 TIMBERWOLF DR CITY: HOLLAND STATE: OH ZIP: 43528 </SEC-HEADER> <DOCUMENT> <TYPE>13F-HR <SEQUENCE>1 <FILENAME>primary_doc.xml <TEXT> <XML> <?xml version="1.0" encoding="UTF-8"?> <edgarSubmission 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<titleOfClass>Com</titleOfClass> <cusip>09062X103</cusip> <value>848283</value> <shrsOrPrnAmt> <sshPrnamt>2978</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>2978</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Blackrock Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>09247X101</cusip> <value>709110</value> <shrsOrPrnAmt> <sshPrnamt>1026</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>1026</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Blackstone Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>09260D107</cusip> <value>927841</value> <shrsOrPrnAmt> <sshPrnamt>9980</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>9980</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Boeing Co/The</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>097023105</cusip> <value>1937393</value> <shrsOrPrnAmt> <sshPrnamt>9175</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>5695</Sole> <Shared>0</Shared> <None>3480</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Boeing Co/The</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>097023105</cusip> <value>27662</value> <shrsOrPrnAmt> <sshPrnamt>131</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>131</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Bristol Myers Squibb</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>110122108</cusip> <value>2117448</value> <shrsOrPrnAmt> <sshPrnamt>33111</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>32491</Sole> <Shared>0</Shared> <None>620</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Bristol Myers Squibb</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>110122108</cusip> <value>25580</value> <shrsOrPrnAmt> <sshPrnamt>400</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>400</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Broadcom Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>11135F101</cusip> <value>598527</value> <shrsOrPrnAmt> <sshPrnamt>690</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>690</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Cigna Corp</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>125523100</cusip> <value>319884</value> <shrsOrPrnAmt> <sshPrnamt>1140</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>1140</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>CME Group Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>12572Q105</cusip> <value>1707077</value> <shrsOrPrnAmt> <sshPrnamt>9213</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>9213</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>CME Group Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>12572Q105</cusip> <value>1668</value> <shrsOrPrnAmt> <sshPrnamt>9</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>9</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>CSX Corp</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>126408103</cusip> <value>221104</value> <shrsOrPrnAmt> <sshPrnamt>6484</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>6484</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>CVS Health Corp</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>126650100</cusip> <value>2360167</value> <shrsOrPrnAmt> <sshPrnamt>34141</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>27034</Sole> <Shared>0</Shared> <None>7107</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>CVS Health Corp</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>126650100</cusip> <value>38436</value> <shrsOrPrnAmt> <sshPrnamt>556</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>556</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Coterra Energy Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>127097103</cusip> <value>245714</value> <shrsOrPrnAmt> <sshPrnamt>9712</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>401</Sole> <Shared>0</Shared> <None>9311</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Carrier Global Corp</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>14448C104</cusip> <value>785319</value> <shrsOrPrnAmt> <sshPrnamt>15798</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>15798</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Carrier Global Corp</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>14448C104</cusip> <value>16156</value> <shrsOrPrnAmt> <sshPrnamt>325</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>325</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Caterpillar Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>149123101</cusip> <value>2676286</value> <shrsOrPrnAmt> <sshPrnamt>10877</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>3477</Sole> <Shared>0</Shared> <None>7400</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Chevron Corp</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>166764100</cusip> <value>9062416</value> <shrsOrPrnAmt> <sshPrnamt>57594</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>57329</Sole> <Shared>0</Shared> <None>265</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Chevron Corp</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>166764100</cusip> <value>205499</value> <shrsOrPrnAmt> <sshPrnamt>1306</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>1056</Sole> <Shared>0</Shared> <None>250</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Cincinnati Financial Corp</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>172062101</cusip> <value>718806</value> <shrsOrPrnAmt> <sshPrnamt>7386</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>7386</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Cisco Systems Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>17275R102</cusip> <value>4364166</value> <shrsOrPrnAmt> <sshPrnamt>84348</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>79742</Sole> <Shared>0</Shared> <None>4606</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Cisco Systems Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>17275R102</cusip> <value>74506</value> <shrsOrPrnAmt> <sshPrnamt>1440</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>1440</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Coca-Cola Co/The</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>191216100</cusip> <value>5162058</value> <shrsOrPrnAmt> <sshPrnamt>85720</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>82720</Sole> <Shared>0</Shared> <None>3000</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Coca-Cola Co/The</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>191216100</cusip> <value>124415</value> <shrsOrPrnAmt> <sshPrnamt>2066</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>2066</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Cognizant Tech Solutions Corp-A</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>192446102</cusip> <value>1582714</value> <shrsOrPrnAmt> <sshPrnamt>24245</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>24245</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Cognizant Tech Solutions Corp-A</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>192446102</cusip> <value>53660</value> <shrsOrPrnAmt> <sshPrnamt>822</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>822</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Colgate-Palmolive Company</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>194162103</cusip> <value>1252439</value> <shrsOrPrnAmt> <sshPrnamt>16257</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>4677</Sole> <Shared>0</Shared> <None>11580</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Comcast Corp-A</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>20030N101</cusip> <value>1486617</value> <shrsOrPrnAmt> <sshPrnamt>35779</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>35685</Sole> <Shared>0</Shared> <None>94</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Comcast Corp-A</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>20030N101</cusip> <value>39597</value> <shrsOrPrnAmt> <sshPrnamt>953</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>953</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ConocoPhillips Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>20825C104</cusip> <value>924616</value> <shrsOrPrnAmt> <sshPrnamt>8924</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>8924</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Costco Wholesale Corp</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>22160K105</cusip> <value>2777502</value> <shrsOrPrnAmt> <sshPrnamt>5159</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>5159</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Costco Wholesale Corp</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>22160K105</cusip> <value>53838</value> <shrsOrPrnAmt> <sshPrnamt>100</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>100</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Crown Castle Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>22822V101</cusip> <value>603198</value> <shrsOrPrnAmt> <sshPrnamt>5294</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>5294</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Cummins Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>231021106</cusip> <value>451094</value> <shrsOrPrnAmt> <sshPrnamt>1840</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>1840</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>DTE Energy Co</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>233331107</cusip> <value>253706</value> <shrsOrPrnAmt> <sshPrnamt>2306</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>2306</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Danaher Corp</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>235851102</cusip> <value>8545920</value> <shrsOrPrnAmt> <sshPrnamt>35608</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>35608</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Danaher Corp</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>235851102</cusip> <value>146160</value> <shrsOrPrnAmt> <sshPrnamt>609</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>609</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Darden Restaurants Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>237194105</cusip> <value>392638</value> <shrsOrPrnAmt> <sshPrnamt>2350</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>2350</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>DarioHealth Corp</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>23725P209</cusip> <value>67970</value> <shrsOrPrnAmt> <sshPrnamt>16950</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>16950</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Deere & Co</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>244199105</cusip> <value>8862316</value> <shrsOrPrnAmt> <sshPrnamt>21872</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>11672</Sole> <Shared>0</Shared> <None>10200</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Dentsply Sirona Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>24906P109</cusip> <value>371145</value> <shrsOrPrnAmt> <sshPrnamt>9274</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>9274</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Dentsply Sirona Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>24906P109</cusip> <value>16008</value> <shrsOrPrnAmt> <sshPrnamt>400</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>400</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Digital Realty Trust Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>253868103</cusip> <value>1174683</value> <shrsOrPrnAmt> <sshPrnamt>10316</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>10311</Sole> <Shared>0</Shared> <None>5</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Digital Realty Trust Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>253868103</cusip> <value>1594</value> <shrsOrPrnAmt> <sshPrnamt>14</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>14</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Disney Walt Co</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>254687106</cusip> <value>4263477</value> <shrsOrPrnAmt> <sshPrnamt>47754</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>47754</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Disney Walt Co</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>254687106</cusip> <value>17856</value> <shrsOrPrnAmt> <sshPrnamt>200</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>200</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Dominion Resources Inc/VA</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>25746U109</cusip> <value>1869412</value> <shrsOrPrnAmt> <sshPrnamt>36096</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>36026</Sole> <Shared>0</Shared> <None>70</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Dominion Resources Inc/VA</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>25746U109</cusip> <value>98142</value> <shrsOrPrnAmt> <sshPrnamt>1895</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>1895</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Dover Corp</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>260003108</cusip> <value>505701</value> <shrsOrPrnAmt> <sshPrnamt>3425</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>3425</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Duke Energy Corp</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>26441C204</cusip> <value>2261179</value> <shrsOrPrnAmt> <sshPrnamt>25197</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>25156</Sole> <Shared>0</Shared> <None>41</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Duke Energy Corp</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>26441C204</cusip> <value>37511</value> <shrsOrPrnAmt> <sshPrnamt>418</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>418</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>DuPont de Nemours Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>26614N102</cusip> <value>920219</value> <shrsOrPrnAmt> <sshPrnamt>12881</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>12881</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>DuPont de Nemours Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>26614N102</cusip> <value>16646</value> <shrsOrPrnAmt> <sshPrnamt>233</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>233</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>EOG Resources Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>26875P101</cusip> <value>1589228</value> <shrsOrPrnAmt> <sshPrnamt>13887</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>13856</Sole> <Shared>0</Shared> <None>31</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>EOG Resources Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>26875P101</cusip> <value>40168</value> <shrsOrPrnAmt> <sshPrnamt>351</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>351</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Emerson Electric Company</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>291011104</cusip> <value>1277211</value> <shrsOrPrnAmt> <sshPrnamt>14130</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>6930</Sole> <Shared>0</Shared> <None>7200</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Enbridge Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>29250N105</cusip> <value>694445</value> <shrsOrPrnAmt> <sshPrnamt>18693</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>17849</Sole> <Shared>0</Shared> <None>844</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Enbridge Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>29250N105</cusip> <value>3715</value> <shrsOrPrnAmt> <sshPrnamt>100</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>100</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Entergy Corp</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>29364G103</cusip> <value>1113621</value> <shrsOrPrnAmt> <sshPrnamt>11437</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>11400</Sole> <Shared>0</Shared> <None>37</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Entergy Corp</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>29364G103</cusip> <value>35930</value> <shrsOrPrnAmt> <sshPrnamt>369</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>369</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>EPAM Systems Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>29414B104</cusip> <value>1023961</value> <shrsOrPrnAmt> <sshPrnamt>4556</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>4556</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Exelon Corp</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>30161N101</cusip> <value>1542579</value> <shrsOrPrnAmt> <sshPrnamt>37864</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>37266</Sole> <Shared>0</Shared> <None>598</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Exelon Corp</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>30161N101</cusip> <value>37318</value> <shrsOrPrnAmt> <sshPrnamt>916</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>916</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Exxon Mobil Corp</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>30231G102</cusip> <value>5707094</value> <shrsOrPrnAmt> <sshPrnamt>53213</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>46879</Sole> <Shared>0</Shared> <None>6334</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Exxon Mobil Corp</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>30231G102</cusip> <value>75826</value> <shrsOrPrnAmt> <sshPrnamt>707</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>407</Sole> <Shared>0</Shared> <None>300</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Meta Platforms Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>30303M102</cusip> <value>1406489</value> <shrsOrPrnAmt> <sshPrnamt>4901</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>4901</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Federated Ultra Short Term Bond-I</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>31428Q747</cusip> <value>9262656</value> <shrsOrPrnAmt> <sshPrnamt>1024630</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>1024630</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Federated Ultra Short Term Bond-I</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>31428Q747</cusip> <value>169376</value> <shrsOrPrnAmt> <sshPrnamt>18736</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>10551</Sole> <Shared>0</Shared> <None>8185</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Fifth Third Bancorp</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>316773100</cusip> <value>1326226</value> <shrsOrPrnAmt> <sshPrnamt>50600</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>33800</Sole> <Shared>0</Shared> <None>16800</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>First Solar Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>336433107</cusip> <value>314219</value> <shrsOrPrnAmt> <sshPrnamt>1653</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>1253</Sole> <Shared>0</Shared> <None>400</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Fiserv Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>337738108</cusip> <value>255201</value> <shrsOrPrnAmt> <sshPrnamt>2023</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> 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</votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Franco-Nevada Corp</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>351858105</cusip> <value>377890</value> <shrsOrPrnAmt> <sshPrnamt>2650</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>2650</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Franklin Electric Co Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>353514102</cusip> <value>524790</value> <shrsOrPrnAmt> <sshPrnamt>5100</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>5100</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Freeport-McMoRan Copper & Gold Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>35671D857</cusip> <value>454040</value> <shrsOrPrnAmt> <sshPrnamt>11351</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>11351</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Galecto Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>36322Q107</cusip> <value>56529</value> <shrsOrPrnAmt> <sshPrnamt>22432</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>22432</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Arthur J Gallagher & Co</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>363576109</cusip> <value>3162467</value> <shrsOrPrnAmt> <sshPrnamt>14403</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>14394</Sole> <Shared>0</Shared> <None>9</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>General Dynamics Corp</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>369550108</cusip> <value>1869008</value> <shrsOrPrnAmt> <sshPrnamt>8687</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>8673</Sole> <Shared>0</Shared> <None>14</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>General Dynamics Corp</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>369550108</cusip> <value>63684</value> <shrsOrPrnAmt> <sshPrnamt>296</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>296</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>General Mills Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>370334104</cusip> <value>1983002</value> <shrsOrPrnAmt> <sshPrnamt>25854</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>25784</Sole> <Shared>0</Shared> <None>70</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>General Mills Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>370334104</cusip> <value>53613</value> <shrsOrPrnAmt> <sshPrnamt>699</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>699</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Gilead Sciences Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>375558103</cusip> <value>1235124</value> <shrsOrPrnAmt> <sshPrnamt>16026</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>16026</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Goldman Sachs Group Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>38141G104</cusip> <value>598312</value> <shrsOrPrnAmt> <sshPrnamt>1855</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>1855</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Great Elm Group Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>39037G109</cusip> <value>30750</value> <shrsOrPrnAmt> <sshPrnamt>15000</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>15000</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>HCA Healthcare Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>40412C101</cusip> <value>947161</value> <shrsOrPrnAmt> <sshPrnamt>3121</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>3121</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>HCA Healthcare Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>40412C101</cusip> <value>1517</value> <shrsOrPrnAmt> <sshPrnamt>5</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>5</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Hershey Co/The</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>427866108</cusip> <value>791549</value> <shrsOrPrnAmt> <sshPrnamt>3170</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>3170</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Home Depot Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>437076102</cusip> <value>4686315</value> <shrsOrPrnAmt> <sshPrnamt>15086</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>12136</Sole> <Shared>0</Shared> <None>2950</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Honeywell International Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>438516106</cusip> <value>2786103</value> 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<otherManager>0</otherManager> <votingAuthority> <Sole>370</Sole> <Shared>0</Shared> <None>4732</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Illinois Tool Works Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>452308109</cusip> <value>453790</value> <shrsOrPrnAmt> <sshPrnamt>1814</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>1814</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Intel Corp</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>458140100</cusip> <value>3901445</value> <shrsOrPrnAmt> <sshPrnamt>116670</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>116066</Sole> <Shared>0</Shared> <None>604</None> </votingAuthority> </infoTable> <infoTable> 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<otherManager>0</otherManager> <votingAuthority> <Sole>313</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Invesco QQQ Trust Ser 1 ETF</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>46090E103</cusip> <value>2220584</value> <shrsOrPrnAmt> <sshPrnamt>6011</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>6011</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Invesco S&P 500 Equal Weight ETF</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>46137V357</cusip> <value>929863</value> <shrsOrPrnAmt> <sshPrnamt>6214</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>6214</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> 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<otherManager>0</otherManager> <votingAuthority> <Sole>81927</Sole> <Shared>0</Shared> <None>83</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>JP Morgan Chase & Co</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>46625H100</cusip> <value>176564</value> <shrsOrPrnAmt> <sshPrnamt>1214</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>1214</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Johnson & Johnson</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>478160104</cusip> <value>5085271</value> <shrsOrPrnAmt> <sshPrnamt>30723</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>29785</Sole> <Shared>0</Shared> <None>938</None> </votingAuthority> </infoTable> <infoTable> 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<Sole>87465</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Lowe's Companies Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>548661107</cusip> <value>7084949</value> <shrsOrPrnAmt> <sshPrnamt>31391</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>31391</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Lowe's Companies Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>548661107</cusip> <value>114204</value> <shrsOrPrnAmt> <sshPrnamt>506</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>506</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Marathon Petroleum Corp</nameOfIssuer> 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</votingAuthority> </infoTable> <infoTable> <nameOfIssuer>McKesson Corp</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>58155Q103</cusip> <value>4632895</value> <shrsOrPrnAmt> <sshPrnamt>10842</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>10842</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>McKesson Corp</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>58155Q103</cusip> <value>96145</value> <shrsOrPrnAmt> <sshPrnamt>225</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>225</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Merck & Co Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>58933Y105</cusip> <value>6883475</value> <shrsOrPrnAmt> <sshPrnamt>59654</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>59616</Sole> <Shared>0</Shared> <None>38</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Merck & Co Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>58933Y105</cusip> <value>39694</value> <shrsOrPrnAmt> <sshPrnamt>344</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>344</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Metlife Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>59156R108</cusip> <value>1709185</value> <shrsOrPrnAmt> <sshPrnamt>30235</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>30172</Sole> <Shared>0</Shared> <None>63</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Metlife Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>59156R108</cusip> <value>33409</value> <shrsOrPrnAmt> <sshPrnamt>591</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>591</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Microsoft Corp</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>594918104</cusip> <value>44322303</value> <shrsOrPrnAmt> <sshPrnamt>130153</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>129575</Sole> <Shared>0</Shared> <None>578</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Microsoft Corp</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>594918104</cusip> <value>479140</value> <shrsOrPrnAmt> <sshPrnamt>1407</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>1407</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Microchip Technology Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>595017104</cusip> <value>6826848</value> <shrsOrPrnAmt> <sshPrnamt>76201</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>76201</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Microchip Technology Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>595017104</cusip> <value>167085</value> <shrsOrPrnAmt> <sshPrnamt>1865</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>1865</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Mondelez International Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>609207105</cusip> <value>829036</value> <shrsOrPrnAmt> <sshPrnamt>11366</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>11366</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Mondelez International Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>609207105</cusip> <value>1167</value> <shrsOrPrnAmt> <sshPrnamt>16</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>16</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Federated Hermes Instl Prime Value Obligation</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>60934N575</cusip> <value>56589</value> <shrsOrPrnAmt> <sshPrnamt>56601</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>56601</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Moody's Corp</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>615369105</cusip> <value>2347110</value> <shrsOrPrnAmt> <sshPrnamt>6750</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>6750</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Morgan Stanley</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>617446448</cusip> <value>471920</value> <shrsOrPrnAmt> <sshPrnamt>5526</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>5526</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ADR Nestle SA- I Sp</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>641069406</cusip> <value>204460</value> <shrsOrPrnAmt> <sshPrnamt>1700</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>1700</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Netflix Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>64110L106</cusip> <value>1079201</value> <shrsOrPrnAmt> <sshPrnamt>2450</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>2450</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>NextEra Energy Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>65339F101</cusip> <value>5522558</value> <shrsOrPrnAmt> <sshPrnamt>74428</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>73140</Sole> <Shared>0</Shared> <None>1288</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>NextEra Energy Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>65339F101</cusip> <value>38139</value> <shrsOrPrnAmt> <sshPrnamt>514</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>514</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Nike Inc-B</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>654106103</cusip> <value>5217411</value> <shrsOrPrnAmt> <sshPrnamt>47272</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>47272</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Nike Inc-B</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>654106103</cusip> <value>89400</value> <shrsOrPrnAmt> <sshPrnamt>810</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>810</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Norfolk Southern Corp</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>655844108</cusip> <value>7215957</value> <shrsOrPrnAmt> <sshPrnamt>31822</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>31805</Sole> <Shared>0</Shared> <None>17</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Norfolk Southern Corp</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>655844108</cusip> <value>77779</value> <shrsOrPrnAmt> <sshPrnamt>343</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>343</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Northern Ultra-Short Fixed Income Fund</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>665162467</cusip> <value>28506867</value> <shrsOrPrnAmt> <sshPrnamt>2828062</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>2813692</Sole> <Shared>0</Shared> <None>14370</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Northern Ultra-Short Fixed Income Fund</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>665162467</cusip> <value>3645869</value> <shrsOrPrnAmt> <sshPrnamt>361693</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>352384</Sole> <Shared>0</Shared> <None>9309</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Northrop Grumman Corp</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>666807102</cusip> <value>389709</value> <shrsOrPrnAmt> <sshPrnamt>855</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>855</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ADR Novartis AG- II Sp</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>66987V109</cusip> <value>1975011</value> <shrsOrPrnAmt> <sshPrnamt>19572</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>15606</Sole> <Shared>0</Shared> <None>3966</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ADR Novartis AG- II Sp</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>66987V109</cusip> <value>35319</value> <shrsOrPrnAmt> <sshPrnamt>350</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>350</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Nvidia Corp</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>67066G104</cusip> <value>5533102</value> <shrsOrPrnAmt> <sshPrnamt>13080</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>13080</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Ocuphire Pharma Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>67577R102</cusip> <value>140612</value> <shrsOrPrnAmt> <sshPrnamt>32399</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>32399</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Oracle Corporation</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>68389X105</cusip> <value>12096448</value> <shrsOrPrnAmt> <sshPrnamt>101574</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>101574</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Oracle Corporation</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>68389X105</cusip> <value>103727</value> <shrsOrPrnAmt> <sshPrnamt>871</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>871</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Otis Worldwide Corp</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>68902V107</cusip> <value>1030647</value> <shrsOrPrnAmt> <sshPrnamt>11579</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>11577</Sole> <Shared>0</Shared> <None>2</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Otis Worldwide Corp</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>68902V107</cusip> <value>14420</value> <shrsOrPrnAmt> <sshPrnamt>162</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>162</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>PIMCO Total Return Institutional Fund</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>693390700</cusip> <value>1053873</value> <shrsOrPrnAmt> <sshPrnamt>124131</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>124131</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Palo Alto Networks Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>697435105</cusip> <value>7633106</value> <shrsOrPrnAmt> <sshPrnamt>29874</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>29874</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Palo Alto Networks Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>697435105</cusip> <value>2300</value> <shrsOrPrnAmt> <sshPrnamt>9</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>9</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Parker Hannifin Corp</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>701094104</cusip> <value>207891</value> <shrsOrPrnAmt> <sshPrnamt>533</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>533</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Parnassus Fixed-Income Fund</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>701769200</cusip> <value>1891358</value> <shrsOrPrnAmt> <sshPrnamt>130619</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>130619</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Parnassus Fixed-Income Fund</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>701769200</cusip> <value>230301</value> <shrsOrPrnAmt> <sshPrnamt>15905</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>15905</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>PepsiCo Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>713448108</cusip> <value>8735901</value> <shrsOrPrnAmt> <sshPrnamt>47165</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>47146</Sole> <Shared>0</Shared> <None>19</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>PepsiCo Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>713448108</cusip> <value>77237</value> <shrsOrPrnAmt> <sshPrnamt>417</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>417</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Pfizer Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>717081103</cusip> <value>4374017</value> <shrsOrPrnAmt> <sshPrnamt>119248</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>106523</Sole> <Shared>0</Shared> <None>12725</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Pfizer Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>717081103</cusip> <value>37194</value> <shrsOrPrnAmt> <sshPrnamt>1014</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>1014</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Philip Morris International</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>718172109</cusip> <value>249126</value> <shrsOrPrnAmt> <sshPrnamt>2552</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>2552</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Phillips 66</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>718546104</cusip> <value>627600</value> <shrsOrPrnAmt> <sshPrnamt>6580</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>6580</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Polaris Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>731068102</cusip> <value>343562</value> <shrsOrPrnAmt> <sshPrnamt>2841</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>2841</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>T Rowe Price Group Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>74144T108</cusip> <value>261903</value> <shrsOrPrnAmt> <sshPrnamt>2338</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>2338</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>T Rowe Price High Yield-Inv</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>741481105</cusip> <value>648083</value> <shrsOrPrnAmt> <sshPrnamt>114300</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>114300</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Procter & Gamble Co</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>742718109</cusip> <value>10905250</value> <shrsOrPrnAmt> <sshPrnamt>71868</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>69345</Sole> <Shared>0</Shared> <None>2523</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Procter & Gamble Co</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>742718109</cusip> <value>156596</value> <shrsOrPrnAmt> <sshPrnamt>1032</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>1032</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Prudential Financial Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>744320102</cusip> <value>201494</value> <shrsOrPrnAmt> <sshPrnamt>2284</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>2284</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Qualcomm Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>747525103</cusip> <value>5529170</value> <shrsOrPrnAmt> <sshPrnamt>46448</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>45676</Sole> <Shared>0</Shared> <None>772</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Qualcomm Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>747525103</cusip> <value>83804</value> <shrsOrPrnAmt> <sshPrnamt>704</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>704</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Raymond James Financial Inc</nameOfIssuer> 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<investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>717</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Realty Income Corp</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>756109104</cusip> <value>246335</value> <shrsOrPrnAmt> <sshPrnamt>4120</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>4120</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>T Rowe Price Real Estate Fund</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>779919109</cusip> <value>244396</value> <shrsOrPrnAmt> <sshPrnamt>19837</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>19837</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SPDR Gold Shares ETF</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>78463V107</cusip> <value>634819</value> <shrsOrPrnAmt> <sshPrnamt>3561</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>3561</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Salesforce Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>79466L302</cusip> <value>2664200</value> <shrsOrPrnAmt> <sshPrnamt>12611</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>12611</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Salesforce Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>79466L302</cusip> <value>50280</value> <shrsOrPrnAmt> <sshPrnamt>238</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>238</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Schlumberger Ltd</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>806857108</cusip> <value>2379889</value> <shrsOrPrnAmt> <sshPrnamt>48451</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>29966</Sole> <Shared>0</Shared> <None>18485</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Schlumberger Ltd</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>806857108</cusip> <value>42292</value> <shrsOrPrnAmt> <sshPrnamt>861</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>861</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Seelos Therapeutics Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>81577F109</cusip> <value>83021</value> <shrsOrPrnAmt> <sshPrnamt>69474</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>69474</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Smith (AO) Corp</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>831865209</cusip> <value>1537114</value> <shrsOrPrnAmt> <sshPrnamt>21120</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>21120</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> 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<sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>412</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Stryker Corp</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>863667101</cusip> <value>403939</value> <shrsOrPrnAmt> <sshPrnamt>1324</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>1324</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Sysco Corp</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>871829107</cusip> <value>317353</value> <shrsOrPrnAmt> <sshPrnamt>4277</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>4277</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Sysco Corp</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>871829107</cusip> <value>37100</value> <shrsOrPrnAmt> <sshPrnamt>500</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>500</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>TJX Companies Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>872540109</cusip> <value>777355</value> <shrsOrPrnAmt> <sshPrnamt>9168</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>9168</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Target Corp</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>87612E106</cusip> <value>932137</value> <shrsOrPrnAmt> <sshPrnamt>7067</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>7067</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Tesla Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>88160R101</cusip> <value>804419</value> <shrsOrPrnAmt> <sshPrnamt>3073</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>3073</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Texas Instruments Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>882508104</cusip> <value>580565</value> <shrsOrPrnAmt> <sshPrnamt>3225</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>3225</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Thermo Fisher Scientific Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>883556102</cusip> <value>410617</value> <shrsOrPrnAmt> <sshPrnamt>787</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>787</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>3M Company</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>88579Y101</cusip> <value>942247</value> <shrsOrPrnAmt> <sshPrnamt>9414</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>9314</Sole> <Shared>0</Shared> <None>100</None> </votingAuthority> </infoTable> <infoTable> 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<votingAuthority> <Sole>24461</Sole> <Shared>0</Shared> <None>75</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>US Bancorp</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>902973304</cusip> <value>27787</value> <shrsOrPrnAmt> <sshPrnamt>841</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>841</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Union Pacific Corp</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>907818108</cusip> <value>2954099</value> <shrsOrPrnAmt> <sshPrnamt>14437</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>5037</Sole> <Shared>0</Shared> <None>9400</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>United Parcel Service-B</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>911312106</cusip> <value>2351402</value> <shrsOrPrnAmt> <sshPrnamt>13118</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>13096</Sole> <Shared>0</Shared> <None>22</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>United Parcel Service-B</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>911312106</cusip> <value>34058</value> <shrsOrPrnAmt> <sshPrnamt>190</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>190</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>UnitedHealth Group Inc</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>91324P102</cusip> <value>1574096</value> <shrsOrPrnAmt> <sshPrnamt>3275</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> 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<Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Vanguard Short-Term Federal-Adm</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>922031844</cusip> <value>40082561</value> <shrsOrPrnAmt> <sshPrnamt>4024354</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>4013695</Sole> <Shared>0</Shared> <None>10658</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Vanguard Short-Term Federal-Adm</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>922031844</cusip> <value>2960145</value> <shrsOrPrnAmt> <sshPrnamt>297203</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>DFND</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>292363</Sole> <Shared>0</Shared> <None>4840</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Vanguard S/T Corp Bond 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<otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>1120</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Wheaton Precious Metals Corp</nameOfIssuer> <titleOfClass>Com</titleOfClass> <cusip>962879102</cusip> <value>527284</value> <shrsOrPrnAmt> <sshPrnamt>12200</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>12200</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>Yum! 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