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 Corp. COM 001957505 1,352 42,100 SH   SOLE   40,100 0 2,000
AT&T Corp. COM 001957505 87 2,700 SH   OTR   0 0 2,700
ABBVIE INC COM 00287Y109 2,622 28,300 SH   SOLE   27,100 0 1,200
ABBVIE INC COM 00287Y109 769 8,300 SH   OTR   0 0 8,300
ABBOTT LABS COM 002824100 1,488 24,400 SH   SOLE   23,500 0 900
ABBOTT LABS COM 002824100 506 8,300 SH   OTR   0 0 8,300
AGILENT TECHNOLOGIES INC COM 00846U101 1,107 17,900 SH   SOLE   17,900 0 0
APPLE INC COM 037833100 2,542 13,735 SH   SOLE   13,735 0 0
APPLIED MATLS INC COM 038222105 2,263 49,000 SH   SOLE   49,000 0 0
BT GROUP PLC COM 05577E101 701 48,500 SH   SOLE   46,000 0 2,500
Berkshire Hathaway Inc. Class COM 084670207 2,566 13,750 SH   SOLE   13,750 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 2,939 53,100 SH   SOLE   51,100 0 2,000
CISCO SYS INC COM 17275R102 3,365 78,200 SH   SOLE   74,300 0 3,900
CISCO SYS INC COM 17275R102 65 1,500 SH   OTR   0 0 1,500
COCA COLA CO COM 191216100 1,439 32,800 SH   SOLE   29,800 0 3,000
COCA COLA CO COM 191216100 35 800 SH   OTR   0 0 800
COMCAST CORP NEW COM 20030N101 1,194 36,400 SH   SOLE   36,400 0 0
CORNING INC COM 219350105 1,541 56,000 SH   SOLE   54,000 0 2,000
DOWDUPONT INC COM 26078J100 4,824 73,173 SH   SOLE   70,866 0 2,307
DOWDUPONT INC COM 26078J100 20 300 SH   OTR   0 0 300
EMERSON ELEC CO COM 291011104 2,904 42,000 SH   SOLE   40,500 0 1,500
EMERSON ELEC CO COM 291011104 104 1,500 SH   OTR   0 0 1,500
EXXON MOBIL CORP COM 30231G102 639 7,728 SH   SOLE   7,728 0 0
EXXON MOBIL CORP COM 30231G102 1,112 13,441 SH   OTR   0 0 13,441
GENERAL ELECTRIC CO COM 369604103 1,969 144,700 SH   SOLE   141,700 0 3,000
GENERAL ELECTRIC CO COM 369604103 271 19,878 SH   OTR   0 0 19,878
GLAXOSMITHKLINE PLC COM 37733W105 1,197 29,700 SH   SOLE   29,700 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 948 4,300 SH   SOLE   4,300 0 0
HP INC COM 40434L105 1,296 57,100 SH   SOLE   54,100 0 3,000
HEWLETT PACKARD ENTERPRISE C COM 42824C109 834 57,100 SH   SOLE   54,100 0 3,000
INTERNATIONAL BUSINESS MACHS COM 459200101 3,967 28,400 SH   SOLE   27,400 0 1,000
INTERNATIONAL BUSINESS MACHS COM 459200101 149 1,064 SH   OTR   0 0 1,064
ING GROEP N V COM 456837103 1,174 82,000 SH   SOLE   82,000 0 0
INTEL CORP COM 458140100 4,325 87,000 SH   SOLE   82,000 0 5,000
INTEL CORP COM 458140100 147 2,950 SH   OTR   0 0 2,950
WILEY JOHN & SONS INC COM 968223206 936 15,000 SH   SOLE   15,000 0 0
JOHNSON & JOHNSON COM 478160104 4,696 38,700 SH   SOLE   36,700 0 2,000
JOHNSON & JOHNSON COM 478160104 41 338 SH   OTR   0 0 338
KONINKLIJKE PHILIPS N V COM 500472303 1,840 43,521 SH   SOLE   42,521 0 1,000
KONINKLIJKE PHILIPS N V COM 500472303 38 899 SH   OTR   0 0 899
MARSH & MCLENNAN COS INC COM 571748102 2,115 25,800 SH   SOLE   24,300 0 1,500
MASCO CORP COM 574599106 1,590 42,500 SH   SOLE   42,500 0 0
MERCK & CO INC COM 58933Y105 2,695 44,400 SH   SOLE   42,400 0 2,000
MERCK & CO INC COM 58933Y105 182 3,000 SH   OTR   0 0 3,000
MICROSOFT CORP COM 594918104 5,276 53,500 SH   SOLE   51,700 0 1,800
MICROSOFT CORP COM 594918104 316 3,200 SH   OTR   0 0 3,200
NORTHERN TR CORP COM 665859104 1,307 12,700 SH   SOLE   12,700 0 0
NUCOR CORP COM 670346105 2,856 45,700 SH   SOLE   43,700 0 2,000
NUCOR CORP COM 670346105 103 1,650 SH   OTR   0 0 1,650
ORACLE CORP COM 68389X105 1,793 40,700 SH   SOLE   40,700 0 0
PFIZER INC COM 717081103 2,637 72,698 SH   SOLE   70,198 0 2,500
PFIZER INC COM 717081103 214 5,910 SH   OTR   0 0 5,910
PROCTER AND GAMBLE CO COM 742718109 1,249 16,000 SH   SOLE   16,000 0 0
PROCTER AND GAMBLE CO COM 742718109 31 400 SH   OTR   0 0 400
PROGRESSIVE CORP OHIO COM 743315103 3,908 66,072 SH   SOLE   66,072 0 0
PROGRESSIVE CORP OHIO COM 743315103 31,914 539,536 SH   OTR   539,536 0 0
STRYKER CORP COM 863667101 10,588 62,700 SH   SOLE   60,500 0 2,200
STRYKER CORP COM 863667101 1,402 8,300 SH   OTR   0 0 8,300
SYMANTEC CORP COM 871503108 1,063 51,500 SH   SOLE   51,500 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 2,382 11,500 SH   SOLE   11,000 0 500
UNILEVER PLC COM 904767704 3,734 67,540 SH   SOLE   63,240 0 4,300
UNILEVER PLC COM 904767704 149 2,700 SH   OTR   0 0 2,700
UNITED PARCEL SERVICE INC COM 911312106 1,514 14,250 SH   SOLE   13,750 0 500
UNITED PARCEL SERVICE INC COM 911312106 85 800 SH   OTR   0 0 800
VERIZON COMMUNICATIONS INC COM 92343V104 1,758 34,936 SH   SOLE   33,436 0 1,500
VERIZON COMMUNICATIONS INC COM 92343V104 98 1,951 SH   OTR   0 0 1,951
Morgan Stanley Series J COM 617474AA9 474 460,000 PRN   SOLE   460,000 0 0
Progressive Corp. Series B COM 743315AU7 25 25,000 PRN   SOLE   25,000 0 0