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 COM 88579Y101 12 100 SH   DFND   100 0 0
3M CO COM 88579Y101 1,004 8,408 SH   SOLE   7,658 0 750
ABBOTT LABS COM 002824100 64 1,929 SH   DFND   1,550 379 0
ABBOTT LABS COM 002824100 566 17,059 SH   SOLE   14,984 0 2,075
ABBVIE INC COM 00287Y109 86 1,929 SH   DFND   1,550 379 0
ABBVIE INC COM 00287Y109 609 13,612 SH   SOLE   11,537 0 2,075
ABERDEEN ASIA PACIFIC INCOM COM 003009107 199 32,880 SH   SOLE   32,880 0 0
AIR PRODS & CHEMS INC COM 009158106 53 500 SH   DFND   400 100 0
AIR PRODS & CHEMS INC COM 009158106 486 4,558 SH   SOLE   3,633 0 925
ALLEGHENY TECHNOLOGIES INC COM 01741R102 581 19,037 SH   SOLE   19,037 0 0
ALPS ETF TR ALERIAN MLP 00162Q866 190 10,808 SH   SOLE   7,233 0 3,575
ALTRIA GROUP INC COM 02209S103 603 17,558 SH   SOLE   12,108 0 5,450
ALTRIA GROUP INC COM 02209S103 45 1,300 SH   DFND   1,300 0 0
APACHE CORP COM 037411105 17 200 SH   DFND   200 0 0
APACHE CORP COM 037411105 227 2,662 SH   SOLE   2,097 0 565
APPLE INC COM 037833100 184 385 SH   DFND   185 200 0
APPLE INC COM 037833100 2,716 5,698 SH   SOLE   5,388 0 310
AT&T INC COM 00206R102 144 4,259 SH   DFND   4,259 0 0
AT&T INC COM 00206R102 4,396 130,027 SH   SOLE   128,643 300 1,084
AUTOMATIC DATA PROCESSING IN COM 053015103 47 650 SH   DFND   650 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 744 10,285 SH   SOLE   9,885 0 400
BANK MONTREAL QUE COM 063671101 173 2,585 SH   SOLE   2,285 300 0
BANK MONTREAL QUE COM 063671101 29 430 SH   DFND   430 0 0
BANK N S HALIFAX COM 064149107 23 400 SH   DFND   100 300 0
BANK N S HALIFAX COM 064149107 363 6,328 SH   SOLE   5,503 0 825
BANK OF AMERICA CORPORATION COM 060505104 155 11,226 SH   SOLE   11,226 0 0
BECTON DICKINSON & CO COM 075887109 364 3,639 SH   SOLE   2,939 0 700
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,875 11 SH   SOLE   11 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 422 3,721 SH   SOLE   3,721 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 34 300 SH   DFND   300 0 0
BHP BILLITON LTD SPONSORED ADR 088606108 29 435 SH   DFND   435 0 0
BHP BILLITON LTD SPONSORED ADR 088606108 366 5,509 SH   SOLE   5,009 0 500
BP PLC SPONSORED ADR 055622104 474 11,269 SH   SOLE   11,269 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 37 800 SH   DFND   550 250 0
BRISTOL MYERS SQUIBB CO COM 110122108 815 17,611 SH   SOLE   14,261 150 3,200
CANADIAN NATL RY CO COM 136375102 418 4,120 SH   SOLE   3,270 0 850
CARDINAL HEALTH INC COM 14149Y108 16 300 SH   DFND   300 0 0
CARDINAL HEALTH INC COM 14149Y108 313 6,000 SH   SOLE   6,000 0 0
CATERPILLAR INC DEL COM 149123101 25 302 SH   DFND   0 302 0
CATERPILLAR INC DEL COM 149123101 241 2,885 SH   SOLE   2,385 0 500
CHEVRON CORP NEW COM 166764100 80 658 SH   DFND   230 428 0
CHEVRON CORP NEW COM 166764100 1,478 12,167 SH   SOLE   11,667 0 500
CHIPOTLE MEXICAN GRILL INC COM 169656105 239 557 SH   SOLE   557 0 0
CHIPOTLE MEXICAN GRILL INC COM 169656105 12 27 SH   DFND   27 0 0
CHUBB CORP COM 171232101 27 300 SH   DFND   300 0 0
CHUBB CORP COM 171232101 255 2,855 SH   SOLE   2,605 250 0
CINCINNATI FINL CORP COM 172062101 219 4,635 SH   SOLE   4,635 0 0
CLAYMORE EXCHANGE TRD FD TR GUG BULL2019 E 18383M522 316 15,370 SH   SOLE   15,370 0 0
CLAYMORE EXCHANGE TRD FD TR GUG BULL2020 E 18383M514 265 12,941 SH   SOLE   12,941 0 0
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2014 18383M571 255 11,975 SH   SOLE   11,975 0 0
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2015 18383M563 293 13,384 SH   SOLE   13,384 0 0
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2016 18383M555 474 21,307 SH   SOLE   21,307 0 0
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2017 18383M548 316 13,959 SH   SOLE   13,959 0 0
CLOROX CO DEL COM 189054109 65 800 SH   DFND   800 0 0
CLOROX CO DEL COM 189054109 333 4,070 SH   SOLE   4,070 0 0
COCA COLA CO COM 191216100 704 18,586 SH   SOLE   11,786 0 6,800
COLGATE PALMOLIVE CO COM 194162103 286 4,831 SH   SOLE   4,831 0 0
COLGATE PALMOLIVE CO COM 194162103 24 400 SH   DFND   400 0 0
COMMERCE BANCSHARES INC COM 200525103 221 5,040 SH   DFND   5,040 0 0
COMMERCE BANCSHARES INC COM 200525103 76 1,736 SH   SOLE   1,736 0 0
CONOCOPHILLIPS COM 20825C104 588 8,461 SH   SOLE   4,889 0 3,572
CONOCOPHILLIPS COM 20825C104 7 100 SH   DFND   100 0 0
CONSOLIDATED EDISON INC COM 209115104 302 5,480 SH   SOLE   5,480 0 0
CSX CORP COM 126408103 15 600 SH   DFND   600 0 0
CSX CORP COM 126408103 472 18,325 SH   SOLE   17,025 0 1,300
DEERE & CO COM 244199105 26 322 SH   DFND   0 322 0
DEERE & CO COM 244199105 314 3,860 SH   SOLE   2,560 0 1,300
DISNEY WALT CO COM DISNEY 254687106 52 800 SH   DFND   400 400 0
DISNEY WALT CO COM DISNEY 254687106 519 8,054 SH   SOLE   8,054 0 0
DU PONT E I DE NEMOURS & CO COM 263534109 23 400 SH   DFND   400 0 0
DU PONT E I DE NEMOURS & CO COM 263534109 246 4,197 SH   SOLE   4,197 0 0
EATON CORP PLC SHS G29183103 595 8,645 SH   SOLE   8,245 0 400
EATON CORP PLC SHS G29183103 25 360 SH   DFND   360 0 0
EMERSON ELEC CO COM 291011104 65 1,000 SH   DFND   500 500 0
EMERSON ELEC CO COM 291011104 467 7,225 SH   SOLE   6,225 0 1,000
EXXON MOBIL CORP COM 30231G102 101 1,175 SH   DFND   1,175 0 0
EXXON MOBIL CORP COM 30231G102 1,945 22,600 SH   SOLE   19,750 250 2,600
FIRST TR EXCHANGE TRADED FD AUTO INDEX FD 33734X309 386 9,925 SH   SOLE   9,925 0 0
FIRST TR EXCHANGE TRADED FD CONSUMR DISCRE 33734X101 26 875 SH   DFND   875 0 0
FIRST TR EXCHANGE TRADED FD CONSUMR DISCRE 33734X101 2,209 74,531 SH   SOLE   73,216 0 1,315
FIRST TR EXCHANGE TRADED FD CONSUMR STAPLE 33734X119 26 805 SH   DFND   805 0 0
FIRST TR EXCHANGE TRADED FD CONSUMR STAPLE 33734X119 2,558 77,809 SH   SOLE   76,819 0 990
FIRST TR EXCHANGE TRADED FD DJ GLBL DIVID 33734X200 239 9,311 SH   SOLE   9,311 0 0
FIRST TR EXCHANGE TRADED FD DJ INTERNT IDX 33733E302 249 4,638 SH   SOLE   4,638 0 0
FIRST TR EXCHANGE TRADED FD FINLS ALPHADEX 33734X135 66 3,330 SH   DFND   3,330 0 0
FIRST TR EXCHANGE TRADED FD FINLS ALPHADEX 33734X135 3,973 201,160 SH   SOLE   198,925 0 2,235
FIRST TR EXCHANGE TRADED FD HLTH CARE ALPH 33734X143 20 456 SH   DFND   456 0 0
FIRST TR EXCHANGE TRADED FD HLTH CARE ALPH 33734X143 3,546 81,877 SH   SOLE   80,959 0 918
FIRST TR EXCHANGE TRADED FD INDLS PROD DUR 33734X150 624 24,951 SH   SOLE   24,951 0 0
FIRST TR EXCHANGE TRADED FD NO AMER ENERGY 33738D101 375 16,391 SH   SOLE   15,039 0 1,352
FIRST TR EXCHANGE TRADED FD TECH ALPHADEX 33734X176 1,600 58,838 SH   SOLE   58,838 0 0
FIRST TR EXCHANGE TRADED FD TECH ALPHADEX 33734X176 28 1,045 SH   DFND   1,045 0 0
FIRST TR EXCHANGE TRADED FD UTILITIES ALPH 33734X184 10 495 SH   DFND   495 0 0
FIRST TR EXCHANGE TRADED FD UTILITIES ALPH 33734X184 427 21,462 SH   SOLE   21,462 0 0
FIRST TR EXCHANGE-TRADED FD PFD SECS INC ETF 33739E108 1,644 91,176 SH   SOLE   88,832 0 2,344
FIRST TR ISE REVERE NAT GAS COM 33734J102 256 13,676 SH   SOLE   13,056 0 620
FIRST TR ISE REVERE NAT GAS COM 33734J102 6 340 SH   DFND   340 0 0
FIRST TR MID CAP CORE ALPHAD COM SHS 33735B108 224 4,895 SH   SOLE   4,895 0 0
FIRST TR MORNINGSTAR DIV LEA SHS 336917109 215 10,311 SH   SOLE   10,311 0 0
FORD MTR CO DEL COM PAR $0.01 345370860 325 19,284 SH   SOLE   19,284 0 0
FRANKLIN ELEC INC COM 353514102 248 6,300 SH   SOLE   700 0 5,600
FREEPORT-MCMORAN COPPER & GO COM 35671D857 215 6,500 SH   SOLE   4,440 0 2,060
FREEPORT-MCMORAN COPPER & GO COM 35671D857 15 450 SH   DFND   450 0 0
GENERAL ELECTRIC CO COM 369604103 12 500 SH   DFND   500 0 0
GENERAL ELECTRIC CO COM 369604103 2,690 112,656 SH   SOLE   85,756 0 26,900
GENUINE PARTS CO COM 372460105 8 100 SH   DFND   100 0 0
GENUINE PARTS CO COM 372460105 314 3,885 SH   SOLE   3,885 0 0
HANCOCK JOHN PFD INCOME FD I COM 41021P103 113 6,775 SH   DFND   6,775 0 0
HANCOCK JOHN PFD INCOME FD I COM 41021P103 757 45,186 SH   SOLE   37,686 0 7,500
HEALTH CARE REIT INC COM 42217K106 209 3,350 SH   SOLE   1,950 0 1,400
HOME DEPOT INC COM 437076102 87 1,150 SH   DFND   750 400 0
HOME DEPOT INC COM 437076102 816 10,759 SH   SOLE   8,759 0 2,000
ILLINOIS TOOL WKS INC COM 452308109 10 125 SH   DFND   125 0 0
ILLINOIS TOOL WKS INC COM 452308109 391 5,133 SH   SOLE   5,133 0 0
INTEL CORP COM 458140100 38 1,650 SH   DFND   900 750 0
INTEL CORP COM 458140100 1,098 47,917 SH   SOLE   41,967 0 5,950
INTERNATIONAL BUSINESS MACHS COM 459200101 74 400 SH   DFND   200 200 0
INTERNATIONAL BUSINESS MACHS COM 459200101 1,103 5,956 SH   SOLE   5,656 0 300
ISHARES CORE S&P MCP ETF 464287507 84 680 SH   DFND   680 0 0
ISHARES CORE S&P MCP ETF 464287507 394 3,176 SH   SOLE   3,176 0 0
ISHARES CORE S&P SCP ETF 464287804 19 195 SH   DFND   195 0 0
ISHARES CORE S&P SCP ETF 464287804 400 4,013 SH   SOLE   4,013 0 0
ISHARES CORE S&P500 ETF 464287200 1,243 7,360 SH   SOLE   7,360 0 0
ISHARES MSCI EAFE ETF 464287465 186 2,913 SH   DFND   2,343 570 0
ISHARES MSCI EAFE ETF 464287465 934 14,633 SH   SOLE   14,633 0 0
ISHARES RUS 1000 VAL ETF 464287598 252 2,919 SH   SOLE   2,919 0 0
ISHARES S&P 500 VAL ETF 464287408 348 4,441 SH   SOLE   4,441 0 0
ISHARES S&P MC 400GR ETF 464287606 34 242 SH   DFND   242 0 0
ISHARES S&P MC 400GR ETF 464287606 1,237 8,892 SH   SOLE   8,892 0 0
ISHARES S&P MC 400VL ETF 464287705 36 333 SH   DFND   333 0 0
ISHARES S&P MC 400VL ETF 464287705 1,385 12,821 SH   SOLE   12,821 0 0
ISHARES SP SMCP600VL ETF 464287879 1,861 18,203 SH   SOLE   18,203 0 0
ISHARES TIPS BD ETF 464287176 333 2,962 SH   SOLE   2,962 0 0
JOHNSON & JOHNSON COM 478160104 52 600 SH   DFND   600 0 0
JOHNSON & JOHNSON COM 478160104 925 10,665 SH   SOLE   7,515 200 2,950
JOHNSON CTLS INC COM 478366107 6 150 SH   DFND   150 0 0
JOHNSON CTLS INC COM 478366107 237 5,703 SH   SOLE   5,703 0 0
JPMORGAN CHASE & CO COM 46625H100 4 86 SH   DFND   86 0 0
JPMORGAN CHASE & CO COM 46625H100 1,815 35,126 SH   SOLE   35,126 0 0
LILLY ELI & CO COM 532457108 227 4,510 SH   SOLE   4,110 0 400
LILLY ELI & CO COM 532457108 50 1,000 SH   DFND   1,000 0 0
LINCOLN NATL CORP IND COM 534187109 42 1,000 SH   DFND   1,000 0 0
LINCOLN NATL CORP IND COM 534187109 1,951 46,470 SH   SOLE   45,720 0 750
MARKET VECTORS ETF TR MTG REIT ETF 57060U324 46 1,900 SH   DFND   1,900 0 0
MARKET VECTORS ETF TR MTG REIT ETF 57060U324 177 7,370 SH   SOLE   7,370 0 0
MCDONALDS CORP COM 580135101 298 3,093 SH   DFND   2,093 1,000 0
MCDONALDS CORP COM 580135101 1,317 13,686 SH   SOLE   13,186 0 500
MEDTRONIC INC COM 585055106 237 4,445 SH   SOLE   3,945 0 500
MEDTRONIC INC COM 585055106 27 500 SH   DFND   500 0 0
MERCK & CO INC NEW COM 58933Y105 515 10,825 SH   SOLE   10,000 0 825
MERCK & CO INC NEW COM 58933Y105 14 300 SH   DFND   300 0 0
MICROSOFT CORP COM 594918104 72 2,165 SH   DFND   1,215 950 0
MICROSOFT CORP COM 594918104 1,026 30,824 SH   SOLE   27,324 0 3,500
MONDELEZ INTL INC CL A 609207105 6 190 SH   DFND   190 0 0
MONDELEZ INTL INC CL A 609207105 272 8,665 SH   SOLE   6,032 500 2,133
NIKE INC CL B 654106103 272 3,741 SH   SOLE   3,741 0 0
NORFOLK SOUTHERN CORP COM 655844108 753 9,737 SH   SOLE   9,737 0 0
NOVARTIS A G SPONSORED ADR 66987V109 43 560 SH   DFND   560 0 0
NOVARTIS A G SPONSORED ADR 66987V109 538 7,009 SH   SOLE   5,529 250 1,230
OCCIDENTAL PETE CORP DEL COM 674599105 314 3,356 SH   SOLE   3,356 0 0
OCCIDENTAL PETE CORP DEL COM 674599105 19 200 SH   DFND   200 0 0
PEPSICO INC COM 713448108 203 2,556 SH   DFND   2,216 340 0
PEPSICO INC COM 713448108 1,878 23,625 SH   SOLE   23,025 0 600
PFIZER INC COM 717081103 75 2,603 SH   DFND   2,100 503 0
PFIZER INC COM 717081103 1,394 48,536 SH   SOLE   47,086 0 1,450
PHILIP MORRIS INTL INC COM 718172109 69 800 SH   DFND   800 0 0
PHILIP MORRIS INTL INC COM 718172109 988 11,410 SH   SOLE   7,960 0 3,450
PHILLIPS 66 COM 718546104 3 50 SH   DFND   50 0 0
PHILLIPS 66 COM 718546104 209 3,608 SH   SOLE   1,660 0 1,948
PIMCO ETF TR TOTL RETN ETF 72201R775 2,056 19,421 SH   SOLE   19,421 0 0
PIMCO ETF TR TOTL RETN ETF 72201R775 102 960 SH   DFND   960 0 0
POWERSHARES DB CMDTY IDX TRA UNIT BEN INT 73935S105 242 9,403 SH   SOLE   9,403 0 0
POWERSHARES ETF TR II S&P SMCP IT PO 73937B860 432 10,603 SH   SOLE   10,603 0 0
POWERSHARES ETF TRUST ENERGY SEC POR 73935X385 37 745 SH   DFND   745 0 0
POWERSHARES ETF TRUST ENERGY SEC POR 73935X385 2,997 60,192 SH   SOLE   59,657 0 535
POWERSHARES ETF TRUST FTSE US1500 SM 73935X567 101 1,123 SH   DFND   1,123 0 0
POWERSHARES ETF TRUST FTSE US1500 SM 73935X567 469 5,235 SH   SOLE   5,235 0 0
PRAXAIR INC COM 74005P104 24 200 SH   DFND   0 200 0
PRAXAIR INC COM 74005P104 334 2,775 SH   SOLE   2,775 0 0
PROCTER & GAMBLE CO COM 742718109 295 3,905 SH   DFND   3,705 200 0
PROCTER & GAMBLE CO COM 742718109 2,152 28,471 SH   SOLE   28,071 100 300
QUALCOMM INC COM 747525103 32 475 SH   DFND   475 0 0
QUALCOMM INC COM 747525103 656 9,739 SH   SOLE   8,689 0 1,050
RAYTHEON CO COM NEW 755111507 8 100 SH   DFND   100 0 0
RAYTHEON CO COM NEW 755111507 341 4,424 SH   SOLE   4,424 0 0
REYNOLDS AMERICAN INC COM 761713106 293 6,000 SH   DFND   6,000 0 0
ROYAL CARIBBEAN CRUISES LTD COM V7780T103 232 6,070 SH   SOLE   6,070 0 0
RYDEX ETF TRUST GUG S&P500EQWTTE 78355W817 285 4,085 SH   SOLE   4,085 0 0
SANDISK CORP COM 80004C101 315 5,300 SH   SOLE   5,300 0 0
SCHLUMBERGER LTD COM 806857108 49 558 SH   DFND   0 558 0
SCHLUMBERGER LTD COM 806857108 447 5,064 SH   SOLE   5,064 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 1,997 32,935 SH   SOLE   32,200 0 735
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 31 510 SH   DFND   510 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 28 710 SH   DFND   710 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 1,446 36,343 SH   SOLE   35,368 0 975
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 1,912 37,786 SH   SOLE   36,921 0 865
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 19 380 SH   DFND   380 0 0
SELECT SECTOR SPDR TR SBI INT-ENERGY 81369Y506 16 195 SH   DFND   195 0 0
SELECT SECTOR SPDR TR SBI INT-ENERGY 81369Y506 1,087 13,108 SH   SOLE   12,793 0 315
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 25 1,235 SH   DFND   1,235 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 2,643 132,799 SH   SOLE   129,674 0 3,125
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 31 675 SH   DFND   675 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 3,246 69,954 SH   SOLE   68,814 0 1,140
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 633 16,942 SH   SOLE   16,942 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 9 250 SH   DFND   250 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 10 245 SH   DFND   245 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 775 18,446 SH   SOLE   18,211 0 235
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 19 590 SH   DFND   590 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,144 35,716 SH   SOLE   35,716 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 787 6,142 SH   SOLE   4,542 0 1,600
SPDR GOLD TRUST GOLD SHS 78463V107 47 365 SH   DFND   365 0 0
SPDR SERIES TRUST S&P DIVID ETF 78464A763 310 4,499 SH   SOLE   4,499 0 0
STEEL DYNAMICS INC COM 858119100 976 58,400 SH   SOLE   58,400 0 0
TARGET CORP COM 87612E106 101 1,575 SH   DFND   1,575 0 0
TARGET CORP COM 87612E106 611 9,554 SH   SOLE   9,154 0 400
TOTAL S A SPONSORED ADR 89151E109 26 450 SH   DFND   450 0 0
TOTAL S A SPONSORED ADR 89151E109 1,057 18,243 SH   SOLE   16,668 400 1,175
TOWER FINANCIAL CORP COM 891769101 4,402 189,593 SH   SOLE   186,493 0 3,100
TOWER FINANCIAL CORP COM 891769101 34 1,475 SH   DFND   1,475 0 0
UNION PAC CORP COM 907818108 85 550 SH   DFND   150 400 0
UNION PAC CORP COM 907818108 375 2,415 SH   SOLE   2,415 0 0
UNITED TECHNOLOGIES CORP COM 913017109 62 575 SH   DFND   575 0 0
UNITED TECHNOLOGIES CORP COM 913017109 1,091 10,123 SH   SOLE   10,123 0 0
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 560 7,463 SH   SOLE   7,463 0 0
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 19 222 SH   DFND   222 0 0
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 186 2,228 SH   SOLE   2,228 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 38 477 SH   DFND   477 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 232 2,888 SH   SOLE   2,888 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 588 7,273 SH   SOLE   7,273 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 4,270 87,880 SH   SOLE   87,880 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 372 9,280 SH   SOLE   9,280 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 54 670 SH   DFND   670 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 4,653 57,654 SH   SOLE   56,584 0 1,070
VANGUARD WORLD FDS TELCOMM ETF 92204A884 748 9,260 SH   SOLE   9,260 0 0
VANGUARD WORLD FDS TELCOMM ETF 92204A884 9 110 SH   DFND   110 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 21 453 SH   DFND   244 209 0
VERIZON COMMUNICATIONS INC COM 92343V104 529 11,345 SH   SOLE   9,569 0 1,776
VODAFONE GROUP PLC NEW SPONS ADR NEW 92857W209 6 175 SH   DFND   175 0 0
VODAFONE GROUP PLC NEW SPONS ADR NEW 92857W209 216 6,145 SH   SOLE   4,945 200 1,000
WALGREEN CO COM 931422109 260 4,835 SH   SOLE   4,135 200 500
WAL-MART STORES INC COM 931142103 401 5,421 SH   SOLE   5,421 0 0
WELLS FARGO & CO NEW COM 949746101 2,452 59,345 SH   SOLE   58,545 0 800
WESTERN ASSET HIGH INCM OPP COM 95766K109 67 11,250 SH   DFND   11,250 0 0
WISDOMTREE TR DEFA EQT INC ETF 97717W802 321 7,144 SH   SOLE   7,144 0 0
WISDOMTREE TR DEFA FD 97717W703 25 486 SH   DFND   486 0 0
WISDOMTREE TR DEFA FD 97717W703 1,003 19,392 SH   SOLE   19,392 0 0
WISDOMTREE TR EMERG MKTS ETF 97717W315 56 1,084 SH   DFND   1,084 0 0
WISDOMTREE TR EMERG MKTS ETF 97717W315 2,311 44,713 SH   SOLE   43,516 280 917
WISDOMTREE TR EQTY INC ETF 97717W208 1,563 30,089 SH   SOLE   30,089 0 0
WISDOMTREE TR GLB EQTY INC FD 97717W877 310 6,777 SH   SOLE   6,777 0 0
WISDOMTREE TR GLB EQTY INC FD 97717W877 9 200 SH   DFND   200 0 0
WISDOMTREE TR LARGECAP DIVID 97717W307 20 322 SH   DFND   322 0 0
WISDOMTREE TR LARGECAP DIVID 97717W307 1,329 21,718 SH   SOLE   21,443 0 275
WISDOMTREE TR MIDCAP DIVI FD 97717W505 4,100 58,974 SH   SOLE   56,479 0 2,495
WISDOMTREE TR MIDCAP DIVI FD 97717W505 122 1,749 SH   DFND   1,749 0 0
WISDOMTREE TR SMALLCAP DIVID 97717W604 863 13,785 SH   SOLE   13,785 0 0
YUM BRANDS INC COM 988498101 499 6,990 SH   SOLE   6,240 0 750