The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COMMON 88579Y101 5,833 33,310 SH   SOLE   33,310 0 0
3M CO COMMON 88579Y101 6,159 35,168 SH   OTR   0 35,168 0
ABBOTT LABS COMMON 002824100 2,981 75,831 SH   SOLE   75,831 0 0
ABBOTT LABS COMMON 002824100 856 21,776 SH   OTR   0 21,776 0
ABBOTT LABS COMMON 002824100 18 450 SH   DFND   0 0 450
ABBVIE INC COMMON 00287Y109 2,050 33,119 SH   SOLE   33,119 0 0
ABBVIE INC COMMON 00287Y109 1,250 20,183 SH   OTR   0 20,183 0
ABBVIE INC COMMON 00287Y109 28 450 SH   DFND   0 0 450
ACCENTURE PLC CL A COMMON G1151C101 211 1,860 SH   SOLE   1,860 0 0
ADOBE SYS INC COMMON 00724F101 257 2,688 SH   SOLE   2,688 0 0
ADOBE SYS INC COMMON 00724F101 43 450 SH   OTR   0 450 0
AETNA INC COMMON 00817Y108 318 2,603 SH   SOLE   2,603 0 0
AETNA INC COMMON 00817Y108 3 23 SH   OTR   0 23 0
AFLAC INC COMMON 001055102 1,324 18,344 SH   SOLE   18,344 0 0
AFLAC INC COMMON 001055102 209 2,899 SH   OTR   0 2,899 0
AIR PRODUCTS & CHEMICALS INC COMMON 009158106 915 6,439 SH   SOLE   6,439 0 0
AIR PRODUCTS & CHEMICALS INC COMMON 009158106 146 1,029 SH   OTR   0 1,029 0
ALLERGAN PLC COMMON G0177J108 405 1,754 SH   SOLE   1,754 0 0
ALLERGAN PLC COMMON G0177J108 1 5 SH   OTR   0 5 0
ALLSTATE CORP COMMON 020002101 120 1,712 SH   SOLE   1,712 0 0
ALLSTATE CORP COMMON 020002101 564 8,057 SH   OTR   0 8,057 0
ALPHABET INC CL A COMMON 02079K305 1,201 1,708 SH   SOLE   1,708 0 0
ALPHABET INC CL A COMMON 02079K305 13 18 SH   OTR   0 18 0
ALPHABET INC CL C COMMON 02079K107 1,242 1,795 SH   SOLE   1,795 0 0
ALPHABET INC CL C COMMON 02079K107 280 404 SH   OTR   0 404 0
ALTRIA GROUP INC COMMON 02209S103 1,563 22,669 SH   SOLE   22,669 0 0
ALTRIA GROUP INC COMMON 02209S103 1,281 18,579 SH   OTR   0 18,579 0
ALTRIA GROUP INC COMMON 02209S103 138 2,000 SH   DFND   0 0 2,000
AMAZON.COM INC COMMON 023135106 947 1,323 SH   SOLE   1,323 0 0
AMAZON.COM INC COMMON 023135106 5 7 SH   OTR   0 7 0
AMERICAN ELEC PWR INC COMMON 025537101 167 2,376 SH   SOLE   2,376 0 0
AMERICAN ELEC PWR INC COMMON 025537101 245 3,500 SH   OTR   0 3,500 0
AMERICAN EXPRESS CO COMMON 025816109 258 4,241 SH   SOLE   4,241 0 0
AMERICAN EXPRESS CO COMMON 025816109 694 11,416 SH   OTR   0 11,416 0
AMERISOURCEBERGEN CORP COMMON 03073E105 1,647 20,758 SH   SOLE   20,758 0 0
AMERISOURCEBERGEN CORP COMMON 03073E105 39 493 SH   OTR   0 493 0
AMGEN INC COMMON 031162100 2,208 14,512 SH   SOLE   14,512 0 0
AMGEN INC COMMON 031162100 339 2,227 SH   OTR   0 2,227 0
ANTHEM INC COMMON 036752103 66 500 SH   SOLE   500 0 0
ANTHEM INC COMMON 036752103 263 2,000 SH   OTR   0 2,000 0
APACHE CORP COMMON 037411105 192 3,442 SH   SOLE   3,442 0 0
APACHE CORP COMMON 037411105 16 285 SH   OTR   0 285 0
APPLE INC COMMON 037833100 6,268 65,564 SH   SOLE   65,564 0 0
APPLE INC COMMON 037833100 1,182 12,362 SH   OTR   0 12,362 0
ARES CAPITAL CORP COMMON 04010L103 158 11,100 SH   SOLE   11,100 0 0
ARES CAPITAL CORP COMMON 04010L103 368 25,900 SH   OTR   0 25,900 0
ASTRAZENECA PLC SPONS ADR COMMON 046353108 228 7,560 SH   SOLE   7,560 0 0
ASTRAZENECA PLC SPONS ADR COMMON 046353108 86 2,840 SH   OTR   0 2,840 0
AT&T INC COMMON 00206R102 4,443 102,829 SH   SOLE   102,829 0 0
AT&T INC COMMON 00206R102 1,206 27,902 SH   OTR   0 27,902 0
AT&T INC COMMON 00206R102 111 2,560 SH   DFND   0 0 2,560
AUTOMATIC DATA PROCESSING INC COMMON 053015103 3,439 37,437 SH   SOLE   37,437 0 0
AUTOMATIC DATA PROCESSING INC COMMON 053015103 1,441 15,690 SH   OTR   0 15,690 0
AVERY DENNISON CORP COMMON 053611109 46 620 SH   SOLE   620 0 0
AVERY DENNISON CORP COMMON 053611109 212 2,830 SH   OTR   0 2,830 0
BANK OF AMERICA CORP COMMON 060505104 951 71,635 SH   SOLE   71,635 0 0
BANK OF AMERICA CORP COMMON 060505104 831 62,593 SH   OTR   0 62,593 0
BANK OF NEW YORK MELLON CORP COMMON 064058100 824 21,213 SH   SOLE   21,213 0 0
BANK OF NEW YORK MELLON CORP COMMON 064058100 130 3,359 SH   OTR   0 3,359 0
BANK OF NEW YORK MELLON CORP COMMON 064058100 67 1,730 SH   DFND   0 0 1,730
BAXTER INTL INC COMMON 071813109 1,618 35,782 SH   SOLE   35,782 0 0
BAXTER INTL INC COMMON 071813109 84 1,865 SH   OTR   0 1,865 0
BB&T CORPORATION COMMON 054937107 171 4,809 SH   SOLE   4,809 0 0
BB&T CORPORATION COMMON 054937107 71 2,000 SH   OTR   0 2,000 0
BECTON DICKINSON COMMON 075887109 2,181 12,861 SH   SOLE   12,861 0 0
BECTON DICKINSON COMMON 075887109 2,770 16,336 SH   OTR   0 16,336 0
BEMIS INC COMMON 081437105 281 5,451 SH   SOLE   5,451 0 0
BERKSHIRE HATHAWAY INC CLASS A COMMON 084670108 217 1 SH   OTR   0 1 0
BERKSHIRE HATHAWAY INC-CL B COMMON 084670702 820 5,661 SH   SOLE   5,661 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON 084670702 320 2,208 SH   OTR   0 2,208 0
BIOGEN INC COMMON 09062X103 580 2,400 SH   SOLE   2,400 0 0
BOEING CO COMMON 097023105 1,621 12,480 SH   SOLE   12,480 0 0
BOEING CO COMMON 097023105 378 2,908 SH   OTR   0 2,908 0
BP PLC SPONS ADR COMMON 055622104 425 11,967 SH   SOLE   11,967 0 0
BP PLC SPONS ADR COMMON 055622104 463 13,028 SH   OTR   0 13,028 0
BRISTOL MYERS SQUIBB CO COMMON 110122108 1,550 21,079 SH   SOLE   21,079 0 0
BRISTOL MYERS SQUIBB CO COMMON 110122108 2,159 29,355 SH   OTR   0 29,355 0
BRISTOL MYERS SQUIBB CO COMMON 110122108 490 6,666 SH   DFND   0 0 6,666
BROADRIDGE FINL SOLUTIONS INC COMMON 11133T103 33 500 SH   SOLE   500 0 0
BROADRIDGE FINL SOLUTIONS INC COMMON 11133T103 424 6,500 SH   OTR   0 6,500 0
CAMPBELL SOUP CO COMMON 134429109 293 4,404 SH   SOLE   4,404 0 0
CAMPBELL SOUP CO COMMON 134429109 319 4,800 SH   OTR   0 4,800 0
CAMPBELL SOUP CO COMMON 134429109 31 472 SH   DFND   0 0 472
CATERPILLAR INC COMMON 149123101 123 1,629 SH   SOLE   1,629 0 0
CATERPILLAR INC COMMON 149123101 91 1,200 SH   OTR   0 1,200 0
CDK GLOBAL HOLDINGS LLC COMMON 12508E101 203 3,652 SH   SOLE   3,652 0 0
CDK GLOBAL HOLDINGS LLC COMMON 12508E101 211 3,811 SH   OTR   0 3,811 0
CENTERPOINT ENERGY INC COMMON 15189T107 28 1,163 SH   SOLE   1,163 0 0
CENTERPOINT ENERGY INC COMMON 15189T107 302 12,580 SH   OTR   0 12,580 0
CENTURYLINK INC COMMON 156700106 84 2,885 SH   SOLE   2,885 0 0
CENTURYLINK INC COMMON 156700106 217 7,492 SH   OTR   0 7,492 0
CERNER CORP COMMON 156782104 1,076 18,360 SH   SOLE   18,360 0 0
CERNER CORP COMMON 156782104 319 5,450 SH   OTR   0 5,450 0
CHEVRON CORPORATION COMMON 166764100 4,342 41,423 SH   SOLE   41,423 0 0
CHEVRON CORPORATION COMMON 166764100 906 8,641 SH   OTR   0 8,641 0
CHEVRON CORPORATION COMMON 166764100 109 1,044 SH   DFND   0 0 1,044
CHINA MOBILE LIMITED SPONS ADR COMMON 16941M109 15 261 SH   SOLE   261 0 0
CHINA MOBILE LIMITED SPONS ADR COMMON 16941M109 232 4,000 SH   OTR   0 4,000 0
CHUBB LTD COMMON H1467J104 208 1,589 SH   SOLE   1,589 0 0
CHUBB LTD COMMON H1467J104 39 300 SH   OTR   0 300 0
CHUBB LTD COMMON H1467J104 12 90 SH   DFND   0 0 90
CIGNA CORP COMMON 125509109 461 3,600 SH   SOLE   3,600 0 0
CIGNA CORP COMMON 125509109 104 813 SH   OTR   0 813 0
CISCO SYSTEMS INC COMMON 17275R102 1,163 40,532 SH   SOLE   40,532 0 0
CISCO SYSTEMS INC COMMON 17275R102 439 15,309 SH   OTR   0 15,309 0
CISCO SYSTEMS INC COMMON 17275R102 15 524 SH   DFND   0 0 524
CLOROX COMPANY COMMON 189054109 242 1,750 SH   SOLE   1,750 0 0
CLOROX COMPANY COMMON 189054109 11 80 SH   OTR   0 80 0
COCA COLA CO COMMON 191216100 1,890 41,696 SH   SOLE   41,696 0 0
COCA COLA CO COMMON 191216100 1,228 27,095 SH   OTR   0 27,095 0
COGNIZANT TECHNOLOGY SOLUTIONS CORP COMMON 192446102 546 9,543 SH   SOLE   9,543 0 0
COGNIZANT TECHNOLOGY SOLUTIONS CORP COMMON 192446102 34 600 SH   OTR   0 600 0
COLGATE PALMOLIVE CO COMMON 194162103 220 3,009 SH   SOLE   3,009 0 0
COLGATE PALMOLIVE CO COMMON 194162103 293 4,000 SH   OTR   0 4,000 0
COMCAST CORP-CL A COMMON 20030N101 1,581 24,247 SH   SOLE   24,247 0 0
COMCAST CORP-CL A COMMON 20030N101 66 1,009 SH   OTR   0 1,009 0
CONOCOPHILLIPS COMMON 20825C104 704 16,155 SH   SOLE   16,155 0 0
CONOCOPHILLIPS COMMON 20825C104 204 4,686 SH   OTR   0 4,686 0
CONOCOPHILLIPS COMMON 20825C104 38 876 SH   DFND   0 0 876
CONSUMER STAPLES SELECT SECTOR SPDR COMMON 81369Y308 102 1,841 SH   SOLE   1,841 0 0
CONSUMER STAPLES SELECT SECTOR SPDR COMMON 81369Y308 128 2,315 SH   DFND   0 0 2,315
CORNING INC COMMON 219350105 209 10,228 SH   SOLE   10,228 0 0
CORNING INC COMMON 219350105 652 31,820 SH   OTR   0 31,820 0
COSTCO WHOLESALE CORP NEW COMMON 22160K105 1,022 6,509 SH   SOLE   6,509 0 0
COSTCO WHOLESALE CORP NEW COMMON 22160K105 17 108 SH   OTR   0 108 0
CSX CORP COMMON 126408103 860 32,980 SH   SOLE   32,980 0 0
CSX CORP COMMON 126408103 19 720 SH   OTR   0 720 0
CULLEN FROST BANKERS INC COMMON 229899109 969 15,199 SH   SOLE   15,199 0 0
CULLEN FROST BANKERS INC COMMON 229899109 8 131 SH   OTR   0 131 0
CVS HEALTH CORP COMMON 126650100 4,909 51,274 SH   SOLE   51,274 0 0
CVS HEALTH CORP COMMON 126650100 738 7,705 SH   OTR   0 7,705 0
DANAHER CORP COMMON 235851102 2,557 25,314 SH   SOLE   25,314 0 0
DANAHER CORP COMMON 235851102 501 4,959 SH   OTR   0 4,959 0
DIAGEO PLC SPONS ADR COMMON 25243Q205 118 1,047 SH   SOLE   1,047 0 0
DIAGEO PLC SPONS ADR COMMON 25243Q205 226 2,000 SH   OTR   0 2,000 0
DISNEY WALT CO NEW COMMON 254687106 4,186 42,793 SH   SOLE   42,793 0 0
DISNEY WALT CO NEW COMMON 254687106 752 7,689 SH   OTR   0 7,689 0
DOLLAR GENERAL CORP COMMON 256677105 2,094 22,276 SH   SOLE   22,276 0 0
DOLLAR GENERAL CORP COMMON 256677105 69 735 SH   OTR   0 735 0
DOMINION RESOURCES INC COMMON 25746U109 331 4,246 SH   SOLE   4,246 0 0
DOW CHEMICAL COMPANY COMMON 260543103 489 9,837 SH   SOLE   9,837 0 0
DOW CHEMICAL COMPANY COMMON 260543103 459 9,226 SH   OTR   0 9,226 0
DOW CHEMICAL COMPANY COMMON 260543103 50 1,000 SH   DFND   0 0 1,000
DR PEPPER SNAPPLE GROUP INC COMMON 26138E109 193 2,000 SH   SOLE   2,000 0 0
DR PEPPER SNAPPLE GROUP INC COMMON 26138E109 35 360 SH   OTR   0 360 0
DU PONT E I DE NEMOURS & CO COMMON 263534109 731 11,282 SH   SOLE   11,282 0 0
DU PONT E I DE NEMOURS & CO COMMON 263534109 1,464 22,600 SH   OTR   0 22,600 0
DU PONT E I DE NEMOURS & CO COMMON 263534109 65 1,000 SH   DFND   0 0 1,000
DUKE ENERGY CORP COMMON 26441C204 203 2,372 SH   SOLE   2,372 0 0
DUKE ENERGY CORP COMMON 26441C204 91 1,055 SH   OTR   0 1,055 0
DUKE ENERGY CORP COMMON 26441C204 76 888 SH   DFND   0 0 888
ECOLAB INC COMMON 278865100 4,028 33,966 SH   SOLE   33,966 0 0
ECOLAB INC COMMON 278865100 919 7,746 SH   OTR   0 7,746 0
EMC CORP MASS COMMON 268648102 532 19,574 SH   SOLE   19,574 0 0
EMC CORP MASS COMMON 268648102 78 2,865 SH   OTR   0 2,865 0
EMERSON ELEC CO COMMON 291011104 836 16,025 SH   SOLE   16,025 0 0
EMERSON ELEC CO COMMON 291011104 261 4,995 SH   OTR   0 4,995 0
EMERSON ELEC CO COMMON 291011104 21 400 SH   DFND   0 0 400
EXELON CORP COMMON 30161N101 289 7,937 SH   SOLE   7,937 0 0
EXELON CORP COMMON 30161N101 4 116 SH   OTR   0 116 0
EXPRESS SCRIPTS HLDG COMMON 30219G108 158 2,080 SH   SOLE   2,080 0 0
EXPRESS SCRIPTS HLDG COMMON 30219G108 202 2,662 SH   OTR   0 2,662 0
EXPRESS SCRIPTS HLDG COMMON 30219G108 17 221 SH   DFND   0 0 221
EXXONMOBIL CORP COMMON 30231G102 10,799 115,204 SH   SOLE   115,204 0 0
EXXONMOBIL CORP COMMON 30231G102 7,624 81,329 SH   OTR   0 81,329 0
EXXONMOBIL CORP COMMON 30231G102 40 424 SH   DFND   0 0 424
FACEBOOK INC-A COMMON 30303M102 738 6,458 SH   SOLE   6,458 0 0
FACEBOOK INC-A COMMON 30303M102 39 337 SH   OTR   0 337 0
FEDEX CORPORATION COMMON 31428X106 87 572 SH   SOLE   572 0 0
FEDEX CORPORATION COMMON 31428X106 170 1,120 SH   OTR   0 1,120 0
FIRST NIAGARA FINANCIAL GRP COMMON 33582V108 962 98,760 SH   DFND   0 0 98,760
FISERV INC COMMON 337738108 338 3,108 SH   SOLE   3,108 0 0
FISERV INC COMMON 337738108 43 400 SH   OTR   0 400 0
FORD MOTOR CO DEL 'NEW' COMMON 345370860 588 46,760 SH   SOLE   46,760 0 0
FORD MOTOR CO DEL 'NEW' COMMON 345370860 178 14,166 SH   OTR   0 14,166 0
FORTUNE BRANDS HOME & SECURITY, INC COMMON 34964C106 339 5,850 SH   SOLE   5,850 0 0
FORTUNE BRANDS HOME & SECURITY, INC COMMON 34964C106 110 1,900 SH   OTR   0 1,900 0
GENERAL DYNAMICS CORP COMMON 369550108 342 2,455 SH   SOLE   2,455 0 0
GENERAL DYNAMICS CORP COMMON 369550108 63 450 SH   OTR   0 450 0
GENERAL ELECTRIC CORP COMMON 369604103 5,647 179,382 SH   SOLE   179,382 0 0
GENERAL ELECTRIC CORP COMMON 369604103 6,036 191,730 SH   OTR   0 191,730 0
GENERAL ELECTRIC CORP COMMON 369604103 264 8,400 SH   DFND   0 0 8,400
GENERAL MLS INC COMMON 370334104 1,062 14,887 SH   SOLE   14,887 0 0
GENERAL MLS INC COMMON 370334104 1,113 15,600 SH   OTR   0 15,600 0
GENERAL MOTORS CO COMMON 37045V100 169 5,977 SH   SOLE   5,977 0 0
GENERAL MOTORS CO COMMON 37045V100 71 2,500 SH   OTR   0 2,500 0
GILEAD SCIENCES INC COMMON 375558103 1,850 22,176 SH   SOLE   22,176 0 0
GILEAD SCIENCES INC COMMON 375558103 39 464 SH   OTR   0 464 0
GLAXO SMITHKLINE SPONS ADR COMMON 37733W105 74 1,703 SH   SOLE   1,703 0 0
GLAXO SMITHKLINE SPONS ADR COMMON 37733W105 263 6,075 SH   OTR   0 6,075 0
GOLDMAN SACHS GROUP INC COMMON 38141G104 566 3,809 SH   SOLE   3,809 0 0
GOLDMAN SACHS GROUP INC COMMON 38141G104 148 994 SH   OTR   0 994 0
GRAINGER W W INC COMMON 384802104 1,820 8,007 SH   SOLE   8,007 0 0
GRAINGER W W INC COMMON 384802104 161 708 SH   OTR   0 708 0
HANESBRANDS INC COMMON 410345102 4 156 SH   SOLE   156 0 0
HANESBRANDS INC COMMON 410345102 219 8,700 SH   OTR   0 8,700 0
HASBRO INC COMMON 418056107 1,680 20,000 SH   SOLE   20,000 0 0
HEALTH CARE SELECT SECTOR SPDR COMMON 81369Y209 80 1,110 SH   SOLE   1,110 0 0
HEALTH CARE SELECT SECTOR SPDR COMMON 81369Y209 195 2,724 SH   DFND   0 0 2,724
HEALTHCARE RLTY TR INC COMMON 421946104 210 6,000 SH   OTR   0 6,000 0
HEWLETT PACKARD ENTERPRISE COMPANY COMMON 42824C109 90 4,926 SH   SOLE   4,926 0 0
HEWLETT PACKARD ENTERPRISE COMPANY COMMON 42824C109 316 17,305 SH   OTR   0 17,305 0
HOME DEPOT INC COMMON 437076102 1,347 10,550 SH   SOLE   10,550 0 0
HOME DEPOT INC COMMON 437076102 566 4,431 SH   OTR   0 4,431 0
HONEYWELL INTERNATIONAL INC COMMON 438516106 1,712 14,716 SH   SOLE   14,716 0 0
HONEYWELL INTERNATIONAL INC COMMON 438516106 818 7,029 SH   OTR   0 7,029 0
HP INC COMMON 40434L105 89 7,063 SH   SOLE   7,063 0 0
HP INC COMMON 40434L105 217 17,305 SH   OTR   0 17,305 0
HSBC HOLDINGS PLC SPONS ADR COMMON 404280406 236 7,540 SH   SOLE   7,540 0 0
HSBC HOLDINGS PLC SPONS ADR COMMON 404280406 188 6,000 SH   OTR   0 6,000 0
ILLINOIS TOOL WKS INC COMMON 452308109 4,179 40,118 SH   SOLE   40,118 0 0
ILLINOIS TOOL WKS INC COMMON 452308109 835 8,015 SH   OTR   0 8,015 0
INGERSOLL-RAND PLC COMMON G47791101 149 2,337 SH   SOLE   2,337 0 0
INGERSOLL-RAND PLC COMMON G47791101 96 1,500 SH   OTR   0 1,500 0
INTEL CORP COMMON 458140100 2,567 78,272 SH   SOLE   78,272 0 0
INTEL CORP COMMON 458140100 1,784 54,382 SH   OTR   0 54,382 0
INTEL CORP COMMON 458140100 42 1,266 SH   DFND   0 0 1,266
INTERNATIONAL FLAVORS & FRAGRANCES COMMON 459506101 208 1,650 SH   SOLE   1,650 0 0
INTL. BUSINESS MACHINES CORP COMMON 459200101 3,598 23,705 SH   SOLE   23,705 0 0
INTL. BUSINESS MACHINES CORP COMMON 459200101 4,409 29,048 SH   OTR   0 29,048 0
INTL. BUSINESS MACHINES CORP COMMON 459200101 30 200 SH   DFND   0 0 200
ISHARES NASDAQ BIOTECH ETF COMMON 464287556 302 1,175 SH   SOLE   1,175 0 0
ITC HOLDINGS CORP COMMON 465685105 834 17,810 SH   SOLE   17,810 0 0
ITC HOLDINGS CORP COMMON 465685105 63 1,340 SH   OTR   0 1,340 0
JM SMUCKER CO COMMON 832696405 1,436 9,419 SH   SOLE   9,419 0 0
JM SMUCKER CO COMMON 832696405 131 858 SH   OTR   0 858 0
JOHNSON & JOHNSON COMMON 478160104 15,864 130,780 SH   SOLE   130,780 0 0
JOHNSON & JOHNSON COMMON 478160104 3,700 30,500 SH   OTR   0 30,500 0
JOHNSON & JOHNSON COMMON 478160104 349 2,877 SH   DFND   0 0 2,877
JP MORGAN CHASE & CO COMMON 46625H100 3,978 64,011 SH   SOLE   64,011 0 0
JP MORGAN CHASE & CO COMMON 46625H100 1,882 30,283 SH   OTR   0 30,283 0
KIMBERLY CLARK CORP COMMON 494368103 1,478 10,752 SH   SOLE   10,752 0 0
KIMBERLY CLARK CORP COMMON 494368103 830 6,040 SH   OTR   0 6,040 0
KIMBERLY CLARK CORP COMMON 494368103 62 450 SH   DFND   0 0 450
KRAFT HEINZ CO COMMON 500754106 309 3,490 SH   SOLE   3,490 0 0
KRAFT HEINZ CO COMMON 500754106 573 6,479 SH   OTR   0 6,479 0
KRAFT HEINZ CO COMMON 500754106 103 1,160 SH   DFND   0 0 1,160
KROGER CO COMMON 501044101 903 24,551 SH   SOLE   24,551 0 0
KROGER CO COMMON 501044101 76 2,075 SH   OTR   0 2,075 0
LILLY ELI & CO COMMON 532457108 515 6,537 SH   SOLE   6,537 0 0
LILLY ELI & CO COMMON 532457108 331 4,200 SH   OTR   0 4,200 0
LOCKHEED MARTIN CORP COMMON 539830109 65 263 SH   SOLE   263 0 0
LOCKHEED MARTIN CORP COMMON 539830109 359 1,448 SH   OTR   0 1,448 0
LOWES COS INC COMMON 548661107 1,469 18,555 SH   SOLE   18,555 0 0
LOWES COS INC COMMON 548661107 145 1,831 SH   OTR   0 1,831 0
M & T BANK CORP COMMON 55261F104 430 3,640 SH   SOLE   3,640 0 0
MARSH & MCLENNAN COS INC COMMON 571748102 2,111 30,832 SH   SOLE   30,832 0 0
MARSH & MCLENNAN COS INC COMMON 571748102 19 272 SH   OTR   0 272 0
MASTERCARD INC CL A COMMON 57636Q104 222 2,522 SH   SOLE   2,522 0 0
MASTERCARD INC CL A COMMON 57636Q104 2 21 SH   OTR   0 21 0
MCDONALDS CORP COMMON 580135101 1,282 10,656 SH   SOLE   10,656 0 0
MCDONALDS CORP COMMON 580135101 453 3,766 SH   OTR   0 3,766 0
MEDTRONIC PLC COMMON G5960L103 186 2,138 SH   SOLE   2,138 0 0
MEDTRONIC PLC COMMON G5960L103 45 520 SH   OTR   0 520 0
MERCHANTS BANCSHARES INC COMMON 588448100 508 1,667 SH   SOLE   1,667 0 0
MERCK & CO INC COMMON 58933Y105 1,712 29,710 SH   SOLE   29,710 0 0
MERCK & CO INC COMMON 58933Y105 2,512 43,610 SH   OTR   0 43,610 0
MERCK & CO INC COMMON 58933Y105 281 4,873 SH   DFND   0 0 4,873
METLIFE INC COMMON 59156R108 1,041 26,133 SH   SOLE   26,133 0 0
METLIFE INC COMMON 59156R108 96 2,415 SH   OTR   0 2,415 0
METLIFE INC COMMON 59156R108 14 350 SH   DFND   0 0 350
MICROCHIP TECHNOLOGY INC COMMON 595017104 2,027 39,926 SH   SOLE   39,926 0 0
MICROCHIP TECHNOLOGY INC COMMON 595017104 121 2,382 SH   OTR   0 2,382 0
MICROSOFT CORP COMMON 594918104 3,056 59,721 SH   SOLE   59,721 0 0
MICROSOFT CORP COMMON 594918104 2,660 51,982 SH   OTR   0 51,982 0
MONDELEZ INTERNATIONAL INC COMMON 609207105 661 14,516 SH   SOLE   14,516 0 0
MONDELEZ INTERNATIONAL INC COMMON 609207105 1,227 26,958 SH   OTR   0 26,958 0
MONDELEZ INTERNATIONAL INC COMMON 609207105 95 2,084 SH   DFND   0 0 2,084
MOODYS CORP COMMON 615369105 281 3,000 SH   OTR   0 3,000 0
MORGAN STANLEY COMMON 617446448 208 8,011 SH   SOLE   8,011 0 0
MORGAN STANLEY COMMON 617446448 153 5,877 SH   OTR   0 5,877 0
NEW JERSEY RES CORP COMMON 646025106 39 1,024 SH   SOLE   1,024 0 0
NEW JERSEY RES CORP COMMON 646025106 278 7,200 SH   DFND   0 0 7,200
NEXTERA ENERGY INC COMMON 65339F101 1,696 13,007 SH   SOLE   13,007 0 0
NEXTERA ENERGY INC COMMON 65339F101 2,670 20,475 SH   OTR   0 20,475 0
NEXTERA ENERGY INC COMMON 65339F101 309 2,372 SH   DFND   0 0 2,372
NIKE INC-CLASS B COMMON 654106103 2,646 47,933 SH   SOLE   47,933 0 0
NIKE INC-CLASS B COMMON 654106103 584 10,577 SH   OTR   0 10,577 0
NORDSTROM INC COMMON 655664100 179 4,702 SH   SOLE   4,702 0 0
NORDSTROM INC COMMON 655664100 43 1,130 SH   OTR   0 1,130 0
NORFOLK SOUTHERN CORP COMMON 655844108 102 1,194 SH   SOLE   1,194 0 0
NORFOLK SOUTHERN CORP COMMON 655844108 345 4,050 SH   OTR   0 4,050 0
NORFOLK SOUTHERN CORP COMMON 655844108 85 1,002 SH   DFND   0 0 1,002
NOVARTIS AG SPONSORED ADR COMMON 66987V109 74 900 SH   SOLE   900 0 0
NOVARTIS AG SPONSORED ADR COMMON 66987V109 346 4,199 SH   OTR   0 4,199 0
OCCIDENTAL PETE CORP COMMON 674599105 1,729 22,887 SH   SOLE   22,887 0 0
OCCIDENTAL PETE CORP COMMON 674599105 214 2,838 SH   OTR   0 2,838 0
OMNICOM GROUP COMMON 681919106 3,292 40,396 SH   SOLE   40,396 0 0
OMNICOM GROUP COMMON 681919106 374 4,585 SH   OTR   0 4,585 0
ORACLE CORPORATION COMMON 68389X105 813 19,868 SH   SOLE   19,868 0 0
ORACLE CORPORATION COMMON 68389X105 133 3,248 SH   OTR   0 3,248 0
PAYPAL HOLDINGS INC COMMON 70450Y103 212 5,812 SH   SOLE   5,812 0 0
PAYPAL HOLDINGS INC COMMON 70450Y103 7 200 SH   OTR   0 200 0
PEOPLES UNITED FINANCIAL, INC COMMON 712704105 75 5,085 SH   SOLE   5,085 0 0
PEOPLES UNITED FINANCIAL, INC COMMON 712704105 122 8,336 SH   OTR   0 8,336 0
PEPSICO INC COMMON 713448108 4,875 46,018 SH   SOLE   46,018 0 0
PEPSICO INC COMMON 713448108 3,014 28,454 SH   OTR   0 28,454 0
PEPSICO INC COMMON 713448108 26 250 SH   DFND   0 0 250
PERRIGO CO PLC COMMON G97822103 320 3,525 SH   SOLE   3,525 0 0
PFIZER INC COMMON 717081103 5,423 154,019 SH   SOLE   154,019 0 0
PFIZER INC COMMON 717081103 1,619 45,983 SH   OTR   0 45,983 0
PFIZER INC COMMON 717081103 362 10,290 SH   DFND   0 0 10,290
PHILIP MORRIS INTERNATIONAL COMMON 718172109 4,674 45,949 SH   SOLE   45,949 0 0
PHILIP MORRIS INTERNATIONAL COMMON 718172109 1,968 19,344 SH   OTR   0 19,344 0
PHILIP MORRIS INTERNATIONAL COMMON 718172109 243 2,387 SH   DFND   0 0 2,387
PHILLIPS 66 COMMON 718546104 93 1,166 SH   SOLE   1,166 0 0
PHILLIPS 66 COMMON 718546104 150 1,889 SH   OTR   0 1,889 0
PHILLIPS 66 COMMON 718546104 31 388 SH   DFND   0 0 388
PNC FINANCIAL SERVICES GROUP COMMON 693475105 930 11,429 SH   SOLE   11,429 0 0
PNC FINANCIAL SERVICES GROUP COMMON 693475105 12 150 SH   DFND   0 0 150
PPG INDUSTRIES INC COMMON 693506107 430 4,125 SH   SOLE   4,125 0 0
PPG INDUSTRIES INC COMMON 693506107 625 6,000 SH   OTR   0 6,000 0
PPL CORPORATION COMMON 69351T106 241 6,390 SH   SOLE   6,390 0 0
PPL CORPORATION COMMON 69351T106 91 2,400 SH   OTR   0 2,400 0
PPL CORPORATION COMMON 69351T106 30 800 SH   DFND   0 0 800
PRAXAIR INC COMMON 74005P104 1,080 9,607 SH   SOLE   9,607 0 0
PRAXAIR INC COMMON 74005P104 536 4,772 SH   OTR   0 4,772 0
PROCTER & GAMBLE CO COMMON 742718109 7,360 86,926 SH   SOLE   86,926 0 0
PROCTER & GAMBLE CO COMMON 742718109 2,358 27,846 SH   OTR   0 27,846 0
PROCTER & GAMBLE CO COMMON 742718109 38 450 SH   DFND   0 0 450
PRUDENTIAL FINL INC COMMON 744320102 21 300 SH   SOLE   300 0 0
PRUDENTIAL FINL INC COMMON 744320102 214 3,000 SH   OTR   0 3,000 0
PUBLIC SERVICE ENTERPRISE GROUP INC COMMON 744573106 459 9,854 SH   SOLE   9,854 0 0
PUBLIC SERVICE ENTERPRISE GROUP INC COMMON 744573106 28 600 SH   DFND   0 0 600
QUALCOMM INC COMMON 747525103 232 4,329 SH   SOLE   4,329 0 0
QUALCOMM INC COMMON 747525103 371 6,925 SH   OTR   0 6,925 0
RAYTHEON COMPANY COMMON 755111507 179 1,313 SH   SOLE   1,313 0 0
RAYTHEON COMPANY COMMON 755111507 138 1,014 SH   OTR   0 1,014 0
REYNOLDS AMERICAN INC COMMON 761713106 1,353 25,085 SH   SOLE   25,085 0 0
REYNOLDS AMERICAN INC COMMON 761713106 35 658 SH   OTR   0 658 0
ROPER TECHNOLOGIES INC COMMON 776696106 32 188 SH   SOLE   188 0 0
ROPER TECHNOLOGIES INC COMMON 776696106 657 3,850 SH   OTR   0 3,850 0
ROYAL DUTCH SHELL PLC SPONS ADR COMMON 780259107 112 1,998 SH   SOLE   1,998 0 0
ROYAL DUTCH SHELL PLC SPONS ADR COMMON 780259107 92 1,650 SH   OTR   0 1,650 0
ROYAL DUTCH SHELL SPONS ADR COMMON 780259206 1,653 29,931 SH   SOLE   29,931 0 0
ROYAL DUTCH SHELL SPONS ADR COMMON 780259206 91 1,647 SH   OTR   0 1,647 0
S&P GLOBAL INC COMMON 78409V104 78 730 SH   SOLE   730 0 0
S&P GLOBAL INC COMMON 78409V104 193 1,800 SH   OTR   0 1,800 0
SCHEIN HENRY INC COMMON 806407102 286 1,620 SH   SOLE   1,620 0 0
SCHEIN HENRY INC COMMON 806407102 219 1,239 SH   OTR   0 1,239 0
SCHLUMBERGER LTD COMMON 806857108 934 11,815 SH   SOLE   11,815 0 0
SCHLUMBERGER LTD COMMON 806857108 679 8,581 SH   OTR   0 8,581 0
SCHLUMBERGER LTD COMMON 806857108 10 125 SH   DFND   0 0 125
SEAGATE TECHNOLOGY PLC COMMON G7945M107 262 10,762 SH   SOLE   10,762 0 0
SOLITARIO EXPLORATION & ROY COMMON 8342EP107 15 29,414 SH   OTR   0 29,414 0
SOUTHERN COMPANY COMMON 842587107 517 9,645 SH   SOLE   9,645 0 0
SOUTHERN COMPANY COMMON 842587107 585 10,912 SH   OTR   0 10,912 0
SOUTHERN COMPANY COMMON 842587107 54 1,000 SH   DFND   0 0 1,000
SOUTHWEST AIRLINES CO COMMON 844741108 781 19,920 SH   SOLE   19,920 0 0
STANLEY BLACK & DECKER INC COMMON 854502101 361 3,247 SH   SOLE   3,247 0 0
STATE STREET CORP COMMON 857477103 2,609 48,387 SH   SOLE   48,387 0 0
STATE STREET CORP COMMON 857477103 131 2,424 SH   OTR   0 2,424 0
STRYKER CORP COMMON 863667101 1,178 9,834 SH   SOLE   9,834 0 0
STRYKER CORP COMMON 863667101 72 600 SH   OTR   0 600 0
SYSCO CORP COMMON 871829107 318 6,263 SH   SOLE   6,263 0 0
SYSCO CORP COMMON 871829107 304 6,000 SH   OTR   0 6,000 0
T ROWE PRICE GROUP INC COMMON 74144T108 563 7,709 SH   SOLE   7,709 0 0
T ROWE PRICE GROUP INC COMMON 74144T108 71 973 SH   OTR   0 973 0
TARGET CORP COMMON 87612E106 870 12,464 SH   SOLE   12,464 0 0
TARGET CORP COMMON 87612E106 290 4,151 SH   OTR   0 4,151 0
THE HERSHEY COMPANY COMMON 427866108 297 2,620 SH   SOLE   2,620 0 0
THERMO FISHER SCIENTIFIC INC COMMON 883556102 3,018 20,427 SH   SOLE   20,427 0 0
THERMO FISHER SCIENTIFIC INC COMMON 883556102 237 1,605 SH   OTR   0 1,605 0
TJX COS INC COMMON 872540109 152 1,972 SH   SOLE   1,972 0 0
TJX COS INC COMMON 872540109 70 900 SH   OTR   0 900 0
TOTAL S.A. SPONS ADR COMMON 89151E109 11 229 SH   SOLE   229 0 0
TOTAL S.A. SPONS ADR COMMON 89151E109 394 8,200 SH   OTR   0 8,200 0
UNION PAC CORP COMMON 907818108 802 9,192 SH   SOLE   9,192 0 0
UNION PAC CORP COMMON 907818108 1,131 12,958 SH   OTR   0 12,958 0
UNITED TECHNOLOGIES CORP COMMON 913017109 3,980 38,813 SH   SOLE   38,813 0 0
UNITED TECHNOLOGIES CORP COMMON 913017109 2,506 24,439 SH   OTR   0 24,439 0
UNITED TECHNOLOGIES CORP COMMON 913017109 103 1,000 SH   DFND   0 0 1,000
UNITEDHEALTH GROUP INC COMMON 91324P102 2,293 16,240 SH   SOLE   16,240 0 0
UNITEDHEALTH GROUP INC COMMON 91324P102 62 437 SH   OTR   0 437 0
UNIVEST CORPORATION OF PENNSYLVANIA COMMON 915271100 666 31,679 SH   SOLE   31,679 0 0
UNIVEST CORPORATION OF PENNSYLVANIA COMMON 915271100 101 4,803 SH   OTR   0 4,803 0
US BANCORP NEW COMMON 902973304 288 7,144 SH   SOLE   7,144 0 0
US BANCORP NEW COMMON 902973304 219 5,441 SH   OTR   0 5,441 0
VANGUARD ENERGY ETF COMMON 92204A306 1,346 14,149 SH   SOLE   14,149 0 0
VANGUARD ENERGY ETF COMMON 92204A306 17 175 SH   OTR   0 175 0
VANGUARD HEALTH CARE ETF COMMON 92204A504 1,329 10,188 SH   SOLE   10,188 0 0
VANGUARD HEALTH CARE ETF COMMON 92204A504 20 154 SH   OTR   0 154 0
VERIZON COMMUNICATIONS COMMON 92343V104 3,322 59,487 SH   SOLE   59,487 0 0
VERIZON COMMUNICATIONS COMMON 92343V104 1,266 22,664 SH   OTR   0 22,664 0
VERIZON COMMUNICATIONS COMMON 92343V104 59 1,050 SH   DFND   0 0 1,050
VISA INC CL A COMMON 92826C839 491 6,620 SH   SOLE   6,620 0 0
VISA INC CL A COMMON 92826C839 4 57 SH   OTR   0 57 0
WAL MART STORES INC COMMON 931142103 476 6,520 SH   SOLE   6,520 0 0
WAL MART STORES INC COMMON 931142103 1,066 14,600 SH   OTR   0 14,600 0
WALGREENS BOOTS ALLIANCE INC COMMON 931427108 316 3,789 SH   SOLE   3,789 0 0
WALGREENS BOOTS ALLIANCE INC COMMON 931427108 188 2,254 SH   OTR   0 2,254 0
WELLS FARGO & CO COMMON 949746101 2,626 55,477 SH   SOLE   55,477 0 0
WELLS FARGO & CO COMMON 949746101 879 18,570 SH   OTR   0 18,570 0
YUM! BRANDS INC COMMON 988498101 45 541 SH   SOLE   541 0 0
YUM! BRANDS INC COMMON 988498101 216 2,600 SH   OTR   0 2,600 0
ZIMMER BIOMET HOLDINGS INC COMMON 98956P102 178 1,475 SH   SOLE   1,475 0 0
ZIMMER BIOMET HOLDINGS INC COMMON 98956P102 90 746 SH   OTR   0 746 0
ZIMMER BIOMET HOLDINGS INC COMMON 98956P102 40 333 SH   DFND   0 0 333