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
1/100 BERKSHIRE HTWY CLA 100 S COM 084990175 414 200 SH   SOLE   200 0 0
3M CO COM 88579Y101 1,285 9,072 SH   SOLE   9,072 0 0
ABBOTT LABORATORIES COM 002824100 478 11,505 SH   SOLE   11,505 0 0
ABBOTT LABORATORIES COM 002824100 25 600 SH   DFND   0 600 0
ABBOTT LABORATORIES COM 002824100 60 1,450 SH   OTR   0 0 1,450
ABBVIE INC COM 00287Y109 669 11,590 SH   SOLE   11,590 0 0
ABBVIE INC COM 00287Y109 35 600 SH   DFND   0 600 0
ABBVIE INC COM 00287Y109 84 1,450 SH   OTR   0 0 1,450
ACCENTURE PLC COM G1151C101 6,866 84,426 SH   SOLE   84,426 0 0
ACCENTURE PLC COM G1151C101 73 900 SH   DFND   0 900 0
ACCENTURE PLC COM G1151C101 325 4,000 SH   OTR   4,000 0 0
AETNA INC NEW COM 00817y108 648 8,000 SH   SOLE   8,000 0 0
ALTRIA GROUP INC COM 02209S103 572 12,458 SH   SOLE   12,458 0 0
ALTRIA GROUP INC COM 02209S103 103 2,250 SH   OTR   0 0 2,250
AMBEV S.A. AMERICAN DEPOSITARY COM 02319v103 922 140,750 SH   SOLE   140,750 0 0
AMERICAN EXPRESS COMPANY COM 025816109 109 1,250 SH   SOLE   1,250 0 0
AMERICAN EXPRESS COMPANY COM 025816109 263 3,000 SH   OTR   0 0 3,000
AMERICAN LIBERTY PETRO COM 027158104 1 20,000 SH   SOLE   20,000 0 0
AMETEK INC NEW COM 031100100 301 6,000 SH   SOLE   6,000 0 0
APPLE INC COM 037833100 9,789 97,160 SH   SOLE   97,160 0 0
APPLE INC COM 037833100 5,667 56,245 SH   DFND   0 56,245 0
APPLE INC COM 037833100 490 4,865 SH   OTR   1,925 0 2,940
AVERY DENNISON CORP COM 053611109 214 4,800 SH   SOLE   4,800 0 0
BAIDU INC ADR F SPONSORED ADR COM 056752108 1,260 5,775 SH   SOLE   5,775 0 0
BAIDU INC ADR F SPONSORED ADR COM 056752108 87 400 SH   OTR   400 0 0
BANK OF AMERICA CORP COM 060505104 3,066 179,835 SH   SOLE   179,835 0 0
BANK OF AMERICA CORP COM 060505104 22 1,300 SH   DFND   0 1,300 0
BANK OF AMERICA CORP COM 060505104 85 5,000 SH   OTR   5,000 0 0
BERKSHIRE HATHAWAY INC CL B COM 084670702 3,548 25,684 SH   SOLE   25,684 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 647 12,650 SH   SOLE   12,650 0 0
BUCKEYE PARTNERS UTS L P UNIT COM 118230101 223 2,800 SH   SOLE   2,800 0 0
CATERPILLAR INC COM 149123101 640 6,465 SH   SOLE   6,465 0 0
CELGENE CORP COM 151020104 230 2,425 SH   SOLE   2,425 0 0
CENTENE CORP COM 15135B101 3,719 44,963 SH   SOLE   44,963 0 0
CENTENE CORP COM 15135B101 25 300 SH   DFND   0 300 0
CENTENE CORP COM 15135B101 215 2,600 SH   OTR   2,600 0 0
CHECK POINT SOFTWARE TECH LTD COM M22465104 4,953 71,533 SH   SOLE   71,533 0 0
CHECK POINT SOFTWARE TECH LTD COM M22465104 28 400 SH   DFND   0 400 0
CHECK POINT SOFTWARE TECH LTD COM M22465104 104 1,500 SH   OTR   1,500 0 0
CHEVRON CORPORATION COM 166764100 823 6,897 SH   SOLE   6,897 0 0
COACH INC COM 189754104 1,434 40,270 SH   SOLE   40,270 0 0
COACH INC COM 189754104 82 2,300 SH   OTR   2,300 0 0
COCA COLA CO COM 191216100 531 12,450 SH   SOLE   12,450 0 0
COCA COLA CO COM 191216100 51 1,200 SH   OTR   1,200 0 0
COLGATE PALMOLIVE CO COM 194162103 204 3,125 SH   SOLE   3,125 0 0
COLGATE PALMOLIVE CO COM 194162103 104 1,600 SH   OTR   0 0 1,600
COPA HOLDINGS SA CL A COM P31076105 3,567 33,246 SH   SOLE   33,246 0 0
COPA HOLDINGS SA CL A COM P31076105 16 145 SH   DFND   0 145 0
COPA HOLDINGS SA CL A COM P31076105 107 1,000 SH   OTR   1,000 0 0
CORNING INC COM 219350105 7,247 374,724 SH   SOLE   374,724 0 0
CORNING INC COM 219350105 48 2,500 SH   DFND   0 2,500 0
CORNING INC COM 219350105 145 7,500 SH   OTR   7,500 0 0
CSX CORP COM 126408103 3,309 103,200 SH   SOLE   103,200 0 0
CSX CORP COM 126408103 16 500 SH   OTR   500 0 0
CVS CAREMARK CORP COM 126650100 2,686 33,753 SH   SOLE   33,753 0 0
CVS CAREMARK CORP COM 126650100 324 4,070 SH   DFND   0 4,070 0
CVS CAREMARK CORP COM 126650100 131 1,650 SH   OTR   1,650 0 0
DANAHER CORP DEL COM 235851102 2,523 33,204 SH   SOLE   33,204 0 0
DANAHER CORP DEL COM 235851102 76 1,000 SH   OTR   1,000 0 0
DISCOVER FINANCIAL SERVICES COM 254709108 181 2,816 SH   SOLE   2,816 0 0
DISCOVER FINANCIAL SERVICES COM 254709108 167 2,600 SH   OTR   0 0 2,600
DISCOVERY COMMUN SER A SERIES COM 25470f104 1,788 47,304 SH   SOLE   47,304 0 0
DISCOVERY COMMUN SER A SERIES COM 25470f104 10 275 SH   DFND   0 275 0
DISCOVERY COMMUN SER A SERIES COM 25470f104 60 1,600 SH   OTR   1,600 0 0
DISCOVERY COMMUNICATIONS INC S COM 25470F302 1,763 47,304 SH   SOLE   47,304 0 0
DISCOVERY COMMUNICATIONS INC S COM 25470F302 10 275 SH   DFND   0 275 0
DISCOVERY COMMUNICATIONS INC S COM 25470F302 60 1,600 SH   OTR   1,600 0 0
DOVER CORP COM 260003108 4,639 57,752 SH   SOLE   57,752 0 0
DOVER CORP COM 260003108 24 300 SH   DFND   0 300 0
DOVER CORP COM 260003108 378 4,700 SH   OTR   2,000 0 2,700
DSW INC CL A COM 23334L102 3,051 101,329 SH   SOLE   101,329 0 0
DSW INC CL A COM 23334L102 18 600 SH   DFND   0 600 0
DSW INC CL A COM 23334L102 90 3,000 SH   OTR   3,000 0 0
EBAY INC COM 278642103 244 4,300 SH   SOLE   4,300 0 0
EMERSON ELECTRIC CO. COM 291011104 350 5,600 SH   SOLE   5,600 0 0
EXPRESS SCRIPTS HOLDING CO COM 30219G108 8,325 117,864 SH   SOLE   117,864 0 0
EXPRESS SCRIPTS HOLDING CO COM 30219G108 46 650 SH   DFND   0 650 0
EXPRESS SCRIPTS HOLDING CO COM 30219G108 194 2,750 SH   OTR   2,750 0 0
EXXON MOBIL CORP COM 30231G102 7,365 78,310 SH   SOLE   78,310 0 0
EXXON MOBIL CORP COM 30231G102 94 1,000 SH   DFND   0 1,000 0
EXXON MOBIL CORP COM 30231G102 376 3,999 SH   OTR   3,999 0 0
F5 NETWORKS INC COM 315616102 2,129 17,928 SH   SOLE   17,928 0 0
FORTINET INC COM 34959e109 1,726 68,310 SH   SOLE   68,310 0 0
FORTINET INC COM 34959e109 126 5,000 SH   OTR   5,000 0 0
GALLAGHER ARTHUR J AND CO COM 363576109 6,050 133,387 SH   SOLE   133,387 0 0
GALLAGHER ARTHUR J AND CO COM 363576109 42 925 SH   DFND   0 925 0
GALLAGHER ARTHUR J AND CO COM 363576109 141 3,100 SH   OTR   3,100 0 0
GENERAL ELECTRIC CO COM 369604103 241 9,402 SH   SOLE   9,402 0 0
GENERAL ELECTRIC CO COM 369604103 15 600 SH   OTR   600 0 0
GOOGLE INC CLASS A COM 38259P508 3,475 5,906 SH   SOLE   5,906 0 0
GOOGLE INC CLASS A COM 38259P508 44 75 SH   DFND   0 75 0
GOOGLE INC CLASS A COM 38259P508 235 400 SH   OTR   400 0 0
GOOGLE INC CLASS C COM 38259P706 3,407 5,901 SH   SOLE   5,901 0 0
GOOGLE INC CLASS C COM 38259P706 43 75 SH   DFND   0 75 0
GOOGLE INC CLASS C COM 38259P706 231 400 SH   OTR   400 0 0
GRAHAM-FIELD HEALTH PRODS INC COM 384632105 0 10,500 SH   OTR   10,500 0 0
HALLIBURTON CO COM 406216101 4,237 65,685 SH   SOLE   65,685 0 0
HALLIBURTON CO COM 406216101 31 475 SH   DFND   0 475 0
HOME DEPOT INC COM 437076102 334 3,637 SH   SOLE   3,637 0 0
HOME DEPOT INC COM 437076102 138 1,500 SH   OTR   0 0 1,500
HUBBELL INC CLASS B COM 443510201 613 5,089 SH   SOLE   5,089 0 0
IBM CORP COM 459200101 3,231 17,018 SH   SOLE   17,018 0 0
IBM CORP COM 459200101 104 550 SH   OTR   0 0 550
INTEL CORP COM 458140100 495 14,210 SH   SOLE   14,210 0 0
INTEL CORP COM 458140100 122 3,500 SH   OTR   1,000 0 2,500
J P MORGAN CHASE AND CO COM 46625H100 145 2,400 SH   SOLE   2,400 0 0
J P MORGAN CHASE AND CO COM 46625H100 78 1,300 SH   OTR   0 0 1,300
JOHNSON AND JOHNSON CO COM 478160104 3,230 30,302 SH   SOLE   30,302 0 0
JOHNSON AND JOHNSON CO COM 478160104 571 5,359 SH   OTR   2,459 0 2,900
JONES LANG LASALLE INC COM 48020Q107 4,631 36,657 SH   SOLE   36,657 0 0
JONES LANG LASALLE INC COM 48020Q107 28 225 SH   DFND   0 225 0
JONES LANG LASALLE INC COM 48020Q107 120 950 SH   OTR   950 0 0
KINDER MORGAN INC COM 49456B101 4,519 117,871 SH   SOLE   117,871 0 0
KINDER MORGAN INC COM 49456B101 33 850 SH   DFND   0 850 0
KRAFT FOODS GROUP INC COM 50076Q106 841 14,914 SH   SOLE   14,914 0 0
KRAFT FOODS GROUP INC COM 50076Q106 23 400 SH   DFND   0 400 0
KRAFT FOODS GROUP INC COM 50076Q106 66 1,176 SH   OTR   0 0 1,176
LABORATORY CORP AMER HLDGS COM COM 50540R409 267 2,625 SH   SOLE   2,625 0 0
LABORATORY CORP AMER HLDGS COM COM 50540R409 51 500 SH   DFND   0 500 0
M AND T BANK CORP COM 55261F104 808 6,550 SH   SOLE   6,550 0 0
MEAD JOHNSON NUTRITION CO-A COM 582839106 304 3,155 SH   SOLE   3,155 0 0
MEAD JOHNSON NUTRITION CO-A COM 582839106 31 325 SH   OTR   0 0 325
MERCK AND CO INC COM 58933Y105 561 9,470 SH   SOLE   9,470 0 0
MERCK AND CO INC COM 58933Y105 86 1,449 SH   OTR   0 0 1,449
MONDELEZ INTERNATIONAL INC COM 609207105 3,355 97,909 SH   SOLE   97,909 0 0
MONDELEZ INTERNATIONAL INC COM 609207105 22 650 SH   DFND   0 650 0
MONDELEZ INTERNATIONAL INC COM 609207105 200 5,830 SH   OTR   2,300 0 3,530
MORGAN STANLEY COM 617446448 828 23,959 SH   SOLE   23,959 0 0
NIKE INC CLASS B COM 654106103 3,724 41,750 SH   SOLE   41,750 0 0
NIKE INC CLASS B COM 654106103 27 300 SH   DFND   0 300 0
NIKE INC CLASS B COM 654106103 89 1,000 SH   OTR   1,000 0 0
P P G INDUSTRIES INC COM 693506107 787 4,000 SH   SOLE   4,000 0 0
PAYCHEX INC COM 704326107 870 19,675 SH   SOLE   19,675 0 0
PAYCHEX INC COM 704326107 221 5,000 SH   OTR   5,000 0 0
PEPSICO INCORPORATED COM 713448108 137 1,475 SH   SOLE   1,475 0 0
PEPSICO INCORPORATED COM 713448108 223 2,400 SH   OTR   700 0 1,700
PFIZER INCORPORATED COM 717081103 441 14,930 SH   SOLE   14,930 0 0
PFIZER INCORPORATED COM 717081103 95 3,200 SH   OTR   400 0 2,800
PHILIP MORRIS INTERNATIONAL IN COM 718172109 1,041 12,478 SH   SOLE   12,478 0 0
PHILIP MORRIS INTERNATIONAL IN COM 718172109 133 1,600 SH   OTR   0 0 1,600
PIER 1 IMPORTS INC. COM 720279108 1,658 139,425 SH   SOLE   139,425 0 0
PIER 1 IMPORTS INC. COM 720279108 13 1,100 SH   DFND   0 1,100 0
PIER 1 IMPORTS INC. COM 720279108 30 2,500 SH   OTR   2,500 0 0
PINNACLE FOODS INC COM 72348P104 4,651 142,440 SH   SOLE   142,440 0 0
PINNACLE FOODS INC COM 72348P104 27 825 SH   DFND   0 825 0
PINNACLE FOODS INC COM 72348P104 108 3,300 SH   OTR   3,300 0 0
PNC FINL SVCS GROUP INC COM 693475105 3,350 39,142 SH   SOLE   39,142 0 0
PNC FINL SVCS GROUP INC COM 693475105 24 275 SH   DFND   0 275 0
PNC FINL SVCS GROUP INC COM 693475105 163 1,900 SH   OTR   1,200 0 700
PORTFOLIO RECOVERY ASSOCIATES COM 73640Q105 6,237 119,405 SH   SOLE   119,405 0 0
PORTFOLIO RECOVERY ASSOCIATES COM 73640Q105 42 800 SH   DFND   0 800 0
PORTFOLIO RECOVERY ASSOCIATES COM 73640Q105 131 2,500 SH   OTR   2,500 0 0
PROCTER AND GAMBLE CO COM 742718109 3,924 46,861 SH   SOLE   46,861 0 0
PROCTER AND GAMBLE CO COM 742718109 33 400 SH   DFND   0 400 0
PROCTER AND GAMBLE CO COM 742718109 507 6,050 SH   OTR   4,700 0 1,350
PUB SVC ENT GROUP INC COM 744573106 276 7,400 SH   SOLE   7,400 0 0
PVH CORP COM 693656100 5,174 42,709 SH   SOLE   42,709 0 0
PVH CORP COM 693656100 55 450 SH   DFND   0 450 0
PVH CORP COM 693656100 188 1,550 SH   OTR   1,550 0 0
QIHOO 360 TECHNOLOGY CO ADR COM 74734M109 2,403 35,623 SH   SOLE   35,623 0 0
QIHOO 360 TECHNOLOGY CO ADR COM 74734M109 67 1,000 SH   OTR   1,000 0 0
QUALCOMM INC COM 747525103 9,897 132,367 SH   SOLE   132,367 0 0
QUALCOMM INC COM 747525103 60 800 SH   DFND   0 800 0
QUALCOMM INC COM 747525103 404 5,400 SH   OTR   4,400 0 1,000
ROYAL DUTCH PLC ADR COM 780259206 1,178 15,470 SH   SOLE   15,470 0 0
SCHLUMBERGER LTD COM 806857108 7,143 70,239 SH   SOLE   70,239 0 0
SCHLUMBERGER LTD COM 806857108 47 465 SH   DFND   0 465 0
SCHLUMBERGER LTD COM 806857108 254 2,500 SH   OTR   2,500 0 0
STATE STREET CORP COM 857477103 1,004 13,644 SH   SOLE   13,644 0 0
STATE STREET CORP COM 857477103 74 1,000 SH   DFND   0 1,000 0
STATE STREET CORP COM 857477103 119 1,610 SH   OTR   710 0 900
SYNAPTICS INCORPORATED COM 87157D109 3,002 41,013 SH   SOLE   41,013 0 0
SYNAPTICS INCORPORATED COM 87157D109 73 1,000 SH   OTR   1,000 0 0
TARGET CORPORATION COM 87612e106 390 6,228 SH   SOLE   6,228 0 0
THE WENDY'S CO. COM 95058W100 2,288 277,026 SH   SOLE   277,026 0 0
THE WENDY'S CO. COM 95058W100 18 2,200 SH   DFND   0 2,200 0
THE WENDY'S CO. COM 95058W100 50 6,000 SH   OTR   6,000 0 0
TRANSOCEAN INC NEW F COM h8817h100 870 27,210 SH   SOLE   27,210 0 0
TWITTER INC. COM 90184L102 336 6,507 SH   SOLE   6,507 0 0
UNITEDHEALTH GROUP INC COM 91324P102 4,498 52,151 SH   SOLE   52,151 0 0
UNITEDHEALTH GROUP INC COM 91324P102 28 325 SH   DFND   0 325 0
UNITEDHEALTH GROUP INC COM 91324P102 108 1,250 SH   OTR   1,250 0 0
VANTIV INC COM 92210H105 3,884 125,710 SH   SOLE   125,710 0 0
VANTIV INC COM 92210H105 170 5,500 SH   OTR   5,500 0 0
VERIZON COMMUNICATIONS COM 92343V104 6,081 121,649 SH   SOLE   121,649 0 0
VERIZON COMMUNICATIONS COM 92343V104 56 1,125 SH   DFND   0 1,125 0
VERIZON COMMUNICATIONS COM 92343V104 321 6,430 SH   OTR   4,930 0 1,500
WALT DISNEY COMPANY COM 254687106 200 2,245 SH   SOLE   2,245 0 0
WALT DISNEY COMPANY COM 254687106 214 2,400 SH   OTR   0 0 2,400
WELLS FARGO AND CO NEW COM 949746101 2,592 49,975 SH   SOLE   49,975 0 0
WELLS FARGO AND CO NEW COM 949746101 26 500 SH   DFND   0 500 0
WELLS FARGO AND CO NEW COM 949746101 104 2,000 SH   OTR   0 0 2,000
WESTERN UNION COMPANY COM 959802109 160 10,000 SH   SOLE   10,000 0 0
WHOLE FOODS MARKET INC COM 966837106 1,636 42,925 SH   SOLE   42,925 0 0
WHOLE FOODS MARKET INC COM 966837106 16 425 SH   DFND   0 425 0
ZOETIS INC. COM 98978V103 3,605 97,560 SH   SOLE   97,560 0 0
ZOETIS INC. COM 98978V103 40 1,075 SH   DFND   0 1,075 0
ZOETIS INC. COM 98978V103 74 2,000 SH   OTR   2,000 0 0
EGSHARES EMERGING MARKETS CONS ETF 268461779 3,933 149,958 SH   SOLE   149,958 0 0
EGSHARES EMERGING MARKETS CONS ETF 268461779 54 2,050 SH   DFND   1,300 750 0
EGSHARES EMERGING MARKETS CONS ETF 268461779 58 2,200 SH   OTR   2,200 0 0
ENERGY SELECT SECTOR ETF ETF 81369Y506 2,225 24,550 SH   SOLE   24,550 0 0
ISHARES MSCI EMERGING MARKET I ETF 464287234 1,038 24,970 SH   SOLE   24,970 0 0
ISHARES RUSSELL VALUE MIDCAP V ETF 464287473 399 5,700 SH   SOLE   5,700 0 0
ISHARES TR DJ US HEALTHCR ETF 464287762 511 3,800 SH   SOLE   3,800 0 0
ISHARES TR MSCI EAFE FD MSCI E ETF 464287465 2,232 34,806 SH   SOLE   34,806 0 0
ISHARES TR MSCI EAFE FD MSCI E ETF 464287465 35 550 SH   DFND   550 0 0
ISHARES TR NASDQ BIO INDX ETF 464287556 223 814 SH   SOLE   814 0 0
ISHARES TR RUSSELL 1000 GROWTH ETF 464287614 185 2,016 SH   SOLE   2,016 0 0
ISHARES TR RUSSELL 1000 GROWTH ETF 464287614 16 175 SH   DFND   175 0 0
ISHARES TR S&P 100 ETF S & P 1 ETF 464287101 242 2,750 SH   SOLE   2,750 0 0
MARKET VECTORS AGRIBUSINESS ET ETF 57060U605 703 13,290 SH   SOLE   13,290 0 0
MARKET VECTORS OIL SERVICE ETF ETF 57060U191 806 16,250 SH   SOLE   16,250 0 0
MATERIALS SELECT SECTOR SPDR F ETF 81369Y100 248 5,000 SH   OTR   0 0 5,000
POWERSHARES QQQ TRUST UNIT SER ETF 73935A104 4,962 50,227 SH   SOLE   50,227 0 0
SECTOR SPDR CONSUMER FD SHARES ETF 81369y407 2,739 41,066 SH   SOLE   41,066 0 0
SECTOR SPDR INDL SELECT SHARES ETF 81369y704 2,079 39,125 SH   SOLE   39,125 0 0
SECTOR SPDR INDL SELECT SHARES ETF 81369y704 728 13,700 SH   OTR   0 0 13,700
SPDR S & P INTL DIVIDEND ETF 78463x772 189 4,079 SH   SOLE   4,079 0 0
SPDR S & P INTL DIVIDEND ETF 78463x772 35 750 SH   DFND   750 0 0
SPDR S & P INTL DIVIDEND ETF 78463x772 14 300 SH   OTR   300 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103 12,946 65,711 SH   SOLE   65,711 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103 14 70 SH   DFND   70 0 0
SPDR S&P DIVIDEND ETF ETF 78464A763 799 10,658 SH   SOLE   10,658 0 0
SPDR S&P DIVIDEND ETF ETF 78464A763 13 175 SH   DFND   175 0 0
SPDR S&P DIVIDEND ETF ETF 78464A763 15 200 SH   OTR   200 0 0
SPDR S&P HOMEBUILDERS ETF ETF 78464A888 914 30,900 SH   SOLE   30,900 0 0
SPDR S&P MIDCAP 400 ETF TRUST ETF 78467Y107 3,167 12,701 SH   SOLE   12,701 0 0
SPDR S&P MIDCAP 400 ETF TRUST ETF 78467Y107 17 70 SH   DFND   70 0 0
SPDR S&P REGIONAL BKING ETF 78464a698 237 6,250 SH   SOLE   6,250 0 0
VANGUARD CNSMR DSCRTNARY ETF 92204a108 320 2,950 SH   SOLE   2,950 0 0
VANGUARD FTSE EMERGING MARKETS ETF 922042858 5,023 120,415 SH   SOLE   120,415 0 0
VANGUARD FTSE EMERGING MARKETS ETF 922042858 58 1,400 SH   DFND   950 450 0
VANGUARD FTSE EMERGING MARKETS ETF 922042858 113 2,700 SH   OTR   2,700 0 0
VANGUARD INDEX FDS MID CAP ETF ETF 922908629 1,132 9,650 SH   SOLE   9,650 0 0
VANGUARD INDUSTRIALS ETF 92204a603 2,153 21,225 SH   SOLE   21,225 0 0
VANGUARD INFO TECHNOLOGY ETF 92204a702 882 8,811 SH   SOLE   8,811 0 0
VANGUARD SMALL-CAP ETF ETF 922908751 1,311 11,848 SH   SOLE   11,848 0 0
VANGUARD SMALL-CAP ETF ETF 922908751 17 150 SH   DFND   150 0 0
VANGUARD SMALL-CAP ETF ETF 922908751 22 200 SH   OTR   200 0 0
WISDOMTREE TRUST EMERGING SMAL ETF 97717w281 1,470 31,800 SH   SOLE   31,800 0 0