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
AT&T INC COMMON STOCK 00206R102 3,609 86,865 SH   SOLE   83,938 0 2,927
AT&T INC COMMON STOCK 00206R102 65 1,553 SH   DFND   1,553 0 0
AT&T INC COMMON STOCK 00206R102 275 6,626 SH   OTR   6,626 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 3,866 87,060 SH   SOLE   84,174 0 2,886
ABBOTT LABORATORIES COMMON STOCK 002824100 34 760 SH   DFND   760 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 115 2,581 SH   OTR   2,581 0 0
ABBVIE INC COMMON STOCK 00287Y109 323 4,958 SH   SOLE   4,958 0 0
AIR PRODS & CHEMS INC COMMON STOCK 009158106 2,763 20,420 SH   SOLE   19,830 0 590
AIR PRODS & CHEMS INC COMMON STOCK 009158106 18 132 SH   OTR   132 0 0
ALPHABET INC COMMON STOCK 02079K107 205 247 SH   SOLE   247 0 0
ALPHABET INC COMMON STOCK 02079K107 34 41 SH   OTR   41 0 0
ALPHABET INC COMMON STOCK 02079K305 226 267 SH   SOLE   267 0 0
ALPHABET INC COMMON STOCK 02079K305 19 23 SH   OTR   23 0 0
AMGEN INC COMMON STOCK 031162100 4,143 25,252 SH   SOLE   24,475 0 777
AMGEN INC COMMON STOCK 031162100 118 722 SH   DFND   722 0 0
AMGEN INC COMMON STOCK 031162100 106 647 SH   OTR   547 0 100
APPLE INC COMMON STOCK 037833100 6,349 44,193 SH   SOLE   43,112 0 1,081
APPLE INC COMMON STOCK 037833100 50 350 SH   DFND   350 0 0
APPLE INC COMMON STOCK 037833100 456 3,171 SH   OTR   3,171 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 783 15,107 SH   SOLE   15,107 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 33 643 SH   OTR   643 0 0
BERKSHIRE HATHAWAY INC COMMON STOCK 084670702 200 1,200 SH   SOLE   1,200 0 0
BIOGEN INC COMMON STOCK 09062X103 353 1,291 SH   SOLE   1,291 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 370 6,812 SH   SOLE   6,812 0 0
CABOT OIL & GAS CORP COMMON STOCK 127097103 1,203 50,305 SH   SOLE   45,270 0 5,035
CABOT OIL & GAS CORP COMMON STOCK 127097103 64 2,692 SH   OTR   2,692 0 0
CELGENE CORP COMMON STOCK 151020104 354 2,848 SH   SOLE   2,848 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 3,289 30,636 SH   SOLE   30,384 0 252
CHEVRON CORPORATION COMMON STOCK 166764100 84 779 SH   DFND   779 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 176 1,635 SH   OTR   1,635 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 3,806 112,592 SH   SOLE   108,740 0 3,852
CISCO SYSTEMS INC COMMON STOCK 17275R102 48 1,422 SH   DFND   1,422 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 147 4,363 SH   OTR   4,188 0 175
CORNING INC COMMON STOCK 219350105 1,890 69,987 SH   SOLE   69,987 0 0
DOW CHEMICAL COMPANY COMMON STOCK 260543103 3,655 57,517 SH   SOLE   55,543 0 1,974
DOW CHEMICAL COMPANY COMMON STOCK 260543103 52 816 SH   DFND   816 0 0
DOW CHEMICAL COMPANY COMMON STOCK 260543103 137 2,160 SH   OTR   2,160 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 214 2,609 SH   SOLE   2,609 0 0
FORD MOTOR COMMON STOCK 345370860 2,848 244,684 SH   SOLE   235,509 0 9,175
FORD MOTOR COMMON STOCK 345370860 27 2,291 SH   DFND   2,291 0 0
FORD MOTOR COMMON STOCK 345370860 144 12,408 SH   OTR   11,908 0 500
FORTIS INC. FOREIGN STOCK 349553107 588 17,738 SH   SOLE   17,738 0 0
FORTIS INC. FOREIGN STOCK 349553107 13 391 SH   DFND   391 0 0
FORTIS INC. FOREIGN STOCK 349553107 48 1,440 SH   OTR   1,440 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 218 3,216 SH   SOLE   3,216 0 0
HOLLYFRONTIER CORP COMMON STOCK 436106108 2,434 85,884 SH   SOLE   83,084 0 2,800
HOLLYFRONTIER CORP COMMON STOCK 436106108 33 1,169 SH   DFND   1,169 0 0
INTEL CORP COMMON STOCK 458140100 742 20,584 SH   SOLE   20,584 0 0
INTEL CORP COMMON STOCK 458140100 4 100 SH   OTR   0 0 100
INTERNATIONAL PAPER COMPANY COMMON STOCK 460146103 3,456 68,058 SH   SOLE   65,747 0 2,311
INTERNATIONAL PAPER COMPANY COMMON STOCK 460146103 34 671 SH   DFND   671 0 0
INTERNATIONAL PAPER COMPANY COMMON STOCK 460146103 125 2,462 SH   OTR   2,462 0 0
ISHARES COMMON STOCK 464287309 3,966 30,157 SH   SOLE   30,157 0 0
ISHARES COMMON STOCK 464287507 376 2,196 SH   SOLE   2,196 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 125 1,422 SH   SOLE   1,422 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 88 1,000 SH   OTR   400 0 600
JERNIGAN CAPITAL INC COMMON STOCK 476405105 447 19,410 SH   SOLE   19,410 0 0
MCDONALDS CORP COMMON STOCK 580135101 1,991 15,359 SH   SOLE   15,359 0 0
MCDONALDS CORP COMMON STOCK 580135101 54 419 SH   DFND   419 0 0
MCDONALDS CORP COMMON STOCK 580135101 141 1,090 SH   OTR   790 0 300
MERCK & CO INC COMMON STOCK 58933Y105 3,999 62,936 SH   SOLE   61,099 0 1,837
MERCK & CO INC COMMON STOCK 58933Y105 97 1,520 SH   DFND   1,520 0 0
MERCK & CO INC COMMON STOCK 58933Y105 149 2,351 SH   OTR   2,221 0 130
MICROSOFT CORP COMMON STOCK 594918104 4,092 62,128 SH   SOLE   60,206 0 1,922
MICROSOFT CORP COMMON STOCK 594918104 146 2,221 SH   DFND   2,221 0 0
MICROSOFT CORP COMMON STOCK 594918104 175 2,660 SH   OTR   2,560 0 100
PHILIP MORRIS INTL INC COMMON STOCK 718172109 483 4,279 SH   SOLE   4,279 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 47 414 SH   DFND   414 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 106 938 SH   OTR   738 0 200
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 760 11,156 SH   SOLE   10,006 0 1,150
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 39 572 SH   OTR   572 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 2,081 23,162 SH   SOLE   23,162 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 32 360 SH   DFND   360 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 560 6,235 SH   OTR   6,090 0 145
QUALCOMM INC. COMMON STOCK 747525103 3,174 55,358 SH   SOLE   54,916 0 442
QUALCOMM INC. COMMON STOCK 747525103 89 1,559 SH   OTR   1,559 0 0
RAYTHEON COMMON STOCK 755111507 3,356 22,008 SH   SOLE   21,241 0 767
RAYTHEON COMMON STOCK 755111507 45 296 SH   DFND   296 0 0
RAYTHEON COMMON STOCK 755111507 87 568 SH   OTR   518 0 50
ROCKWELL AUTOMATION INC. COMMON STOCK 773903109 1,941 12,467 SH   SOLE   12,467 0 0
UNION PACIFIC COMMON STOCK 907818108 3,551 33,530 SH   SOLE   32,357 0 1,173
UNION PACIFIC COMMON STOCK 907818108 35 332 SH   DFND   332 0 0
UNION PACIFIC COMMON STOCK 907818108 121 1,139 SH   OTR   1,139 0 0
UNITED BANKSHARES INC COMMON STOCK 909907107 231 5,462 SH   SOLE   5,462 0 0
UNITED PARCEL SERVICE INC COMMON STOCK 911312106 3,263 30,413 SH   SOLE   29,405 0 1,008
UNITED PARCEL SERVICE INC COMMON STOCK 911312106 44 413 SH   DFND   413 0 0
UNITED PARCEL SERVICE INC COMMON STOCK 911312106 116 1,084 SH   OTR   1,084 0 0
VANGUARD COMMON STOCK 922908629 1,574 11,307 SH   SOLE   11,307 0 0
VANGUARD COMMON STOCK 922908736 2,130 17,509 SH   SOLE   17,509 0 0
VANGUARD COMMON STOCK 922908744 2,892 30,328 SH   SOLE   30,328 0 0
WISDOMTREE COMMON STOCK 97717W851 798 15,765 SH   SOLE   15,765 0 0
WISDOMTREE COMMON STOCK 97717X701 3,165 50,389 SH   SOLE   50,389 0 0
WISDOMTREE COMMON STOCK 97717X701 207 3,295 SH   OTR   3,295 0 0
COCA-COLA EUROPEAN PARTNERS FOREIGN STOCK G25839104 223 5,906 SH   SOLE   5,906 0 0
COCA-COLA EUROPEAN PARTNERS FOREIGN STOCK G25839104 16 435 SH   OTR   435 0 0