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 1,135 8,363 SH   SOLE   7,613 0 750
3M CO COM 88579Y101 14 100 SH   DFND   100 0 0
ABBOTT LABS COM 002824100 74 1,929 SH   DFND   700 1,229 0
ABBOTT LABS COM 002824100 717 18,611 SH   SOLE   16,536 0 2,075
ABBVIE INC COM 00287Y109 735 14,307 SH   SOLE   12,232 0 2,075
ABBVIE INC COM 00287Y109 99 1,929 SH   DFND   700 1,229 0
ABERDEEN ASIA PACIFIC INCOM COM 003009107 210 34,400 SH   SOLE   34,400 0 0
AIR PRODS & CHEMS INC COM 009158106 540 4,533 SH   SOLE   3,608 0 925
AIR PRODS & CHEMS INC COM 009158106 60 500 SH   DFND   400 100 0
ALLEGHENY TECHNOLOGIES INC COM 01741R102 717 19,037 SH   SOLE   19,037 0 0
ALTRIA GROUP INC COM 02209S103 49 1,300 SH   DFND   1,300 0 0
ALTRIA GROUP INC COM 02209S103 595 15,895 SH   SOLE   10,445 0 5,450
AMERICAN TOWER CORP NEW COM 03027X100 352 4,295 SH   SOLE   4,295 0 0
APACHE CORP COM 037411105 221 2,662 SH   SOLE   2,097 0 565
APACHE CORP COM 037411105 17 200 SH   DFND   0 200 0
APPLE INC COM 037833100 207 385 SH   DFND   15 370 0
APPLE INC COM 037833100 3,247 6,050 SH   SOLE   5,740 0 310
ARCELORMITTAL SA LUXEMBOURG NY REGISTRY SH 03938L104 228 14,145 SH   SOLE   14,145 0 0
AT&T INC COM 00206R102 4,280 122,064 SH   SOLE   120,680 300 1,084
AT&T INC COM 00206R102 149 4,259 SH   DFND   2,884 1,375 0
AUTOMATIC DATA PROCESSING IN COM 053015103 50 650 SH   DFND   100 550 0
AUTOMATIC DATA PROCESSING IN COM 053015103 771 9,985 SH   SOLE   9,585 0 400
BAIDU INC SPON ADR REP A 056752108 239 1,567 SH   SOLE   1,567 0 0
BANCO SANTANDER BRASIL S A ADS REP 1 UNIT 05967A107 146 26,258 SH   SOLE   22,118 0 4,140
BANK MONTREAL QUE COM 063671101 29 430 SH   DFND   100 330 0
BANK MONTREAL QUE COM 063671101 202 3,010 SH   SOLE   2,285 300 425
BANK N S HALIFAX COM 064149107 23 400 SH   DFND   100 300 0
BANK N S HALIFAX COM 064149107 389 6,703 SH   SOLE   5,878 0 825
BAXTER INTL INC COM 071813109 283 3,848 SH   SOLE   3,848 0 0
BECTON DICKINSON & CO COM 075887109 397 3,389 SH   SOLE   2,689 0 700
BERKSHIRE HATHAWAY INC DEL CL A 084670108 2,061 11 SH   SOLE   11 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 669 5,352 SH   SOLE   5,352 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 37 300 SH   DFND   0 300 0
BHP BILLITON LTD SPONSORED ADR 088606108 29 435 SH   DFND   100 335 0
BHP BILLITON LTD SPONSORED ADR 088606108 358 5,290 SH   SOLE   5,290 0 0
BP PLC SPONSORED ADR 055622104 542 11,269 SH   SOLE   11,269 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 42 800 SH   DFND   150 650 0
BRISTOL MYERS SQUIBB CO COM 110122108 730 14,052 SH   SOLE   12,302 150 1,600
CANADIAN NAT RES LTD COM 136385101 469 12,226 SH   SOLE   12,226 0 0
CANADIAN NATL RY CO COM 136375102 463 8,240 SH   SOLE   6,540 0 1,700
CARDINAL HEALTH INC COM 14149Y108 21 300 SH   DFND   100 200 0
CARDINAL HEALTH INC COM 14149Y108 355 5,075 SH   SOLE   5,075 0 0
CATERPILLAR INC DEL COM 149123101 30 302 SH   DFND   0 302 0
CATERPILLAR INC DEL COM 149123101 288 2,895 SH   SOLE   2,395 0 500
CENOVUS ENERGY INC COM 15135U109 260 8,985 SH   SOLE   7,540 0 1,445
CENOVUS ENERGY INC COM 15135U109 7 250 SH   DFND   0 250 0
CHEVRON CORP NEW COM 166764100 78 658 SH   DFND   50 608 0
CHEVRON CORP NEW COM 166764100 1,303 10,961 SH   SOLE   10,461 0 500
CHIPOTLE MEXICAN GRILL INC COM 169656105 15 27 SH   DFND   27 0 0
CHIPOTLE MEXICAN GRILL INC COM 169656105 316 557 SH   SOLE   557 0 0
CHUBB CORP COM 171232101 273 3,055 SH   SOLE   2,805 250 0
CHUBB CORP COM 171232101 27 300 SH   DFND   0 300 0
CINCINNATI FINL CORP COM 172062101 218 4,485 SH   SOLE   4,485 0 0
CISCO SYS INC COM 17275R102 3 134 SH   DFND   134 0 0
CISCO SYS INC COM 17275R102 278 12,407 SH   SOLE   12,207 0 200
CLAYMORE EXCHANGE TRD FD TR GUG BULL2018 E 18383M530 358 17,001 SH   SOLE   17,001 0 0
CLAYMORE EXCHANGE TRD FD TR GUG BULL2019 E 18383M522 391 18,735 SH   SOLE   18,735 0 0
CLAYMORE EXCHANGE TRD FD TR GUG BULL2020 E 18383M514 380 18,214 SH   SOLE   18,214 0 0
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2016 18383M555 498 22,288 SH   SOLE   22,288 0 0
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2017 18383M548 339 14,871 SH   SOLE   14,871 0 0
CLOROX CO DEL COM 189054109 70 800 SH   DFND   800 0 0
CLOROX CO DEL COM 189054109 242 2,745 SH   SOLE   2,745 0 0
COCA COLA CO COM 191216100 955 24,713 SH   SOLE   17,913 0 6,800
COLGATE PALMOLIVE CO COM 194162103 26 400 SH   DFND   0 400 0
COLGATE PALMOLIVE CO COM 194162103 278 4,291 SH   SOLE   4,291 0 0
COMMERCE BANCSHARES INC COM 200525103 246 5,291 SH   DFND   4,961 330 0
COMMERCE BANCSHARES INC COM 200525103 85 1,821 SH   SOLE   1,821 0 0
CONOCOPHILLIPS COM 20825C104 7 100 SH   DFND   100 0 0
CONOCOPHILLIPS COM 20825C104 652 9,261 SH   SOLE   5,689 0 3,572
CONSOLIDATED EDISON INC COM 209115104 263 4,905 SH   SOLE   4,905 0 0
CSX CORP COM 126408103 17 600 SH   DFND   0 600 0
CSX CORP COM 126408103 565 19,510 SH   SOLE   17,100 0 2,410
DANAHER CORP DEL COM 235851102 45 600 SH   DFND   0 600 0
DANAHER CORP DEL COM 235851102 164 2,180 SH   SOLE   1,680 0 500
DEERE & CO COM 244199105 29 322 SH   DFND   0 322 0
DEERE & CO COM 244199105 350 3,860 SH   SOLE   2,560 0 1,300
DISNEY WALT CO COM DISNEY 254687106 64 800 SH   DFND   0 800 0
DISNEY WALT CO COM DISNEY 254687106 693 8,654 SH   SOLE   8,654 0 0
DU PONT E I DE NEMOURS & CO COM 263534109 27 400 SH   DFND   400 0 0
DU PONT E I DE NEMOURS & CO COM 263534109 230 3,430 SH   SOLE   3,430 0 0
EATON CORP PLC SHS G29183103 27 360 SH   DFND   0 360 0
EATON CORP PLC SHS G29183103 759 10,105 SH   SOLE   9,705 0 400
EBAY INC COM 278642103 220 3,979 SH   SOLE   3,979 0 0
EMERSON ELEC CO COM 291011104 67 1,000 SH   DFND   400 600 0
EMERSON ELEC CO COM 291011104 491 7,350 SH   SOLE   6,350 0 1,000
ENBRIDGE INC COM 29250N105 319 7,003 SH   SOLE   5,183 0 1,820
EXPRESS SCRIPTS HLDG CO COM 30219G108 217 2,891 SH   SOLE   2,891 0 0
EXXON MOBIL CORP COM 30231G102 115 1,175 SH   DFND   700 475 0
EXXON MOBIL CORP COM 30231G102 2,284 23,380 SH   SOLE   22,130 250 1,000
FIRST TR EXCHANGE TRADED FD AUTO INDEX FD 33734X309 547 13,277 SH   SOLE   13,277 0 0
FIRST TR EXCHANGE TRADED FD CONSUMR DISCRE 33734X101 28 875 SH   DFND   650 225 0
FIRST TR EXCHANGE TRADED FD CONSUMR DISCRE 33734X101 2,658 83,025 SH   SOLE   81,710 0 1,315
FIRST TR EXCHANGE TRADED FD CONSUMR STAPLE 33734X119 3,260 88,389 SH   SOLE   87,399 0 990
FIRST TR EXCHANGE TRADED FD CONSUMR STAPLE 33734X119 30 805 SH   DFND   485 320 0
FIRST TR EXCHANGE TRADED FD DJ GLBL DIVID 33734X200 239 8,583 SH   SOLE   8,583 0 0
FIRST TR EXCHANGE TRADED FD DJ INTERNT IDX 33733E302 357 6,046 SH   SOLE   6,046 0 0
FIRST TR EXCHANGE TRADED FD FINLS ALPHADEX 33734X135 4,603 210,945 SH   SOLE   208,710 0 2,235
FIRST TR EXCHANGE TRADED FD FINLS ALPHADEX 33734X135 73 3,330 SH   DFND   1,280 2,050 0
FIRST TR EXCHANGE TRADED FD HLTH CARE ALPH 33734X143 23 456 SH   DFND   456 0 0
FIRST TR EXCHANGE TRADED FD HLTH CARE ALPH 33734X143 4,464 87,642 SH   SOLE   86,724 0 918
FIRST TR EXCHANGE TRADED FD INDLS PROD DUR 33734X150 1,147 38,873 SH   SOLE   38,873 0 0
FIRST TR EXCHANGE TRADED FD NO AMER ENERGY 33738D101 438 18,062 SH   SOLE   16,710 0 1,352
FIRST TR EXCHANGE TRADED FD TECH ALPHADEX 33734X176 33 1,045 SH   DFND   1,045 0 0
FIRST TR EXCHANGE TRADED FD TECH ALPHADEX 33734X176 2,318 74,393 SH   SOLE   74,393 0 0
FIRST TR EXCHANGE TRADED FD UTILITIES ALPH 33734X184 11 495 SH   DFND   0 495 0
FIRST TR EXCHANGE TRADED FD UTILITIES ALPH 33734X184 465 20,900 SH   SOLE   20,900 0 0
FIRST TR EXCHANGE-TRADED FD PFD SECS INC ETF 33739E108 1,152 61,390 SH   SOLE   61,390 0 0
FIRST TR EXCNGE TRD ALPHADEX MID CP GR ALPH 33737M102 685 24,245 SH   SOLE   24,245 0 0
FIRST TR MORNINGSTAR DIV LEA SHS 336917109 203 9,026 SH   SOLE   9,026 0 0
FORD MTR CO DEL COM PAR $0.01 345370860 382 24,488 SH   SOLE   24,488 0 0
FRANKLIN ELEC INC COM 353514102 268 6,300 SH   SOLE   700 0 5,600
FREEPORT-MCMORAN COPPER & GO COM 35671D857 15 450 SH   DFND   0 450 0
FREEPORT-MCMORAN COPPER & GO COM 35671D857 190 5,745 SH   SOLE   4,245 0 1,500
GENERAL ELECTRIC CO COM 369604103 13 500 SH   DFND   0 500 0
GENERAL ELECTRIC CO COM 369604103 2,841 109,770 SH   SOLE   82,870 0 26,900
GENUINE PARTS CO COM 372460105 9 100 SH   DFND   100 0 0
GENUINE PARTS CO COM 372460105 286 3,295 SH   SOLE   3,295 0 0
GOOGLE INC CL A 38259P508 308 276 SH   SOLE   176 0 100
HANCOCK JOHN PFD INCOME FD I COM 41021P103 765 44,186 SH   SOLE   36,686 0 7,500
HANCOCK JOHN PFD INCOME FD I COM 41021P103 117 6,775 SH   DFND   6,775 0 0
HEALTH CARE REIT INC COM 42217K106 220 3,700 SH   SOLE   2,300 0 1,400
HOME DEPOT INC COM 437076102 91 1,150 SH   DFND   100 1,050 0
HOME DEPOT INC COM 437076102 875 11,059 SH   SOLE   9,059 0 2,000
ILLINOIS TOOL WKS INC COM 452308109 10 125 SH   DFND   0 125 0
ILLINOIS TOOL WKS INC COM 452308109 417 5,133 SH   SOLE   5,133 0 0
INTEL CORP COM 458140100 43 1,650 SH   DFND   200 1,450 0
INTEL CORP COM 458140100 1,029 39,870 SH   SOLE   37,520 0 2,350
INTERNATIONAL BUSINESS MACHS COM 459200101 1,183 6,147 SH   SOLE   5,847 0 300
INTERNATIONAL BUSINESS MACHS COM 459200101 77 400 SH   DFND   0 400 0
ISHARES 17 AMT-FREE ETF 464289271 325 5,894 SH   SOLE   5,894 0 0
ISHARES CORE S&P MCP ETF 464287507 421 3,059 SH   SOLE   3,059 0 0
ISHARES CORE S&P SCP ETF 464287804 21 195 SH   DFND   195 0 0
ISHARES CORE S&P SCP ETF 464287804 350 3,177 SH   SOLE   3,177 0 0
ISHARES CORE S&P500 ETF 464287200 416 2,210 SH   SOLE   2,210 0 0
ISHARES MSCI EAFE ETF 464287465 757 11,267 SH   SOLE   11,267 0 0
ISHARES MSCI EAFE ETF 464287465 118 1,758 SH   DFND   1,188 570 0
ISHARES RUS 1000 GRW ETF 464287614 247 2,849 SH   SOLE   2,849 0 0
ISHARES RUS 1000 VAL ETF 464287598 256 2,656 SH   SOLE   2,656 0 0
ISHARES RUS 2000 GRW ETF 464287648 876 6,437 SH   SOLE   6,437 0 0
ISHARES S&P 500 VAL ETF 464287408 344 3,953 SH   SOLE   3,953 0 0
ISHARES S&P MC 400GR ETF 464287606 37 242 SH   DFND   242 0 0
ISHARES S&P MC 400GR ETF 464287606 547 3,578 SH   SOLE   3,578 0 0
ISHARES S&P MC 400VL ETF 464287705 40 333 SH   DFND   333 0 0
ISHARES S&P MC 400VL ETF 464287705 214 1,775 SH   SOLE   1,775 0 0
ISHARES TIPS BD ETF 464287176 332 2,962 SH   SOLE   2,962 0 0
JOHNSON & JOHNSON COM 478160104 59 600 SH   DFND   0 600 0
JOHNSON & JOHNSON COM 478160104 1,068 10,875 SH   SOLE   7,725 200 2,950
JOHNSON CTLS INC COM 478366107 7 150 SH   DFND   150 0 0
JOHNSON CTLS INC COM 478366107 208 4,401 SH   SOLE   4,401 0 0
JPMORGAN CHASE & CO COM 46625H100 1,913 31,521 SH   SOLE   31,521 0 0
JPMORGAN CHASE & CO COM 46625H100 5 86 SH   DFND   86 0 0
LILLY ELI & CO COM 532457108 265 4,510 SH   SOLE   4,110 0 400
LILLY ELI & CO COM 532457108 59 1,000 SH   DFND   1,000 0 0
LINCOLN NATL CORP IND COM 534187109 51 1,000 SH   DFND   0 1,000 0
LINCOLN NATL CORP IND COM 534187109 2,354 46,470 SH   SOLE   45,720 0 750
MACATAWA BK CORP COM 554225102 69 13,765 SH   SOLE   13,765 0 0
MARKET VECTORS ETF TR MTG REIT ETF 57060U324 153 6,247 SH   SOLE   6,247 0 0
MARKET VECTORS ETF TR MTG REIT ETF 57060U324 46 1,900 SH   DFND   1,650 250 0
MCDONALDS CORP COM 580135101 1,315 13,418 SH   SOLE   12,918 0 500
MCDONALDS CORP COM 580135101 303 3,093 SH   DFND   1,803 1,290 0
MEDTRONIC INC COM 585055106 31 500 SH   DFND   0 500 0
MEDTRONIC INC COM 585055106 274 4,445 SH   SOLE   3,945 0 500
MERCK & CO INC NEW COM 58933Y105 17 300 SH   DFND   300 0 0
MERCK & CO INC NEW COM 58933Y105 726 12,795 SH   SOLE   11,970 0 825
MICROSOFT CORP COM 594918104 1,241 30,285 SH   SOLE   29,785 0 500
MICROSOFT CORP COM 594918104 89 2,165 SH   DFND   100 2,065 0
MONDELEZ INTL INC CL A 609207105 7 190 SH   DFND   0 190 0
MONDELEZ INTL INC CL A 609207105 208 6,013 SH   SOLE   4,245 500 1,268
NEXTERA ENERGY INC COM 65339F101 19 200 SH   DFND   0 200 0
NEXTERA ENERGY INC COM 65339F101 229 2,400 SH   SOLE   2,100 0 300
NIKE INC CL B 654106103 276 3,741 SH   SOLE   3,741 0 0
NORFOLK SOUTHERN CORP COM 655844108 877 9,022 SH   SOLE   9,022 0 0
NOVARTIS A G SPONSORED ADR 66987V109 596 7,009 SH   SOLE   5,529 250 1,230
NOVARTIS A G SPONSORED ADR 66987V109 48 560 SH   DFND   560 0 0
OCCIDENTAL PETE CORP DEL COM 674599105 19 200 SH   DFND   0 200 0
OCCIDENTAL PETE CORP DEL COM 674599105 279 2,931 SH   SOLE   2,931 0 0
PEPSICO INC COM 713448108 213 2,556 SH   DFND   1,866 690 0
PEPSICO INC COM 713448108 2,006 24,025 SH   SOLE   23,425 0 600
PFIZER INC COM 717081103 84 2,603 SH   DFND   400 2,203 0
PFIZER INC COM 717081103 1,454 45,297 SH   SOLE   43,847 0 1,450
PHILIP MORRIS INTL INC COM 718172109 65 800 SH   DFND   800 0 0
PHILIP MORRIS INTL INC COM 718172109 965 11,785 SH   SOLE   8,335 0 3,450
PHILLIPS 66 COM 718546104 4 50 SH   DFND   50 0 0
PHILLIPS 66 COM 718546104 275 3,566 SH   SOLE   1,618 0 1,948
PIMCO ETF TR TOTL RETN ETF 72201R775 1,884 17,666 SH   SOLE   17,666 0 0
PIMCO ETF TR TOTL RETN ETF 72201R775 71 670 SH   DFND   670 0 0
POWERSHARES DB CMDTY IDX TRA UNIT BEN INT 73935S105 246 9,403 SH   SOLE   9,403 0 0
POWERSHARES ETF TR II S&P SMCP IT PO 73937B860 355 7,819 SH   SOLE   7,819 0 0
POWERSHARES ETF TRUST DYN BIOT & GEN 73935X856 339 8,142 SH   SOLE   8,142 0 0
POWERSHARES ETF TRUST ENERGY SEC POR 73935X385 43 745 SH   DFND   325 420 0
POWERSHARES ETF TRUST ENERGY SEC POR 73935X385 3,333 57,572 SH   SOLE   57,037 0 535
POWERSHARES ETF TRUST FTSE RAFI 1000 73935X583 219 2,590 SH   DFND   2,590 0 0
POWERSHARES ETF TRUST FTSE US1500 SM 73935X567 162 1,633 SH   DFND   1,633 0 0
POWERSHARES ETF TRUST FTSE US1500 SM 73935X567 519 5,235 SH   SOLE   5,235 0 0
PRAXAIR INC COM 74005P104 26 200 SH   DFND   0 200 0
PRAXAIR INC COM 74005P104 363 2,775 SH   SOLE   2,775 0 0
PROCTER & GAMBLE CO COM 742718109 315 3,905 SH   DFND   3,079 826 0
PROCTER & GAMBLE CO COM 742718109 2,165 26,860 SH   SOLE   26,460 100 300
QUALCOMM INC COM 747525103 37 475 SH   DFND   0 475 0
QUALCOMM INC COM 747525103 799 10,131 SH   SOLE   9,081 0 1,050
RAYTHEON CO COM NEW 755111507 10 100 SH   DFND   100 0 0
RAYTHEON CO COM NEW 755111507 347 3,514 SH   SOLE   3,514 0 0
REYNOLDS AMERICAN INC COM 761713106 321 6,000 SH   DFND   6,000 0 0
ROYAL CARIBBEAN CRUISES LTD COM V7780T103 331 6,070 SH   SOLE   6,070 0 0
RYDEX ETF TRUST GUG S&P500EQWTTE 78355W817 461 5,750 SH   SOLE   5,750 0 0
SANDISK CORP COM 80004C101 430 5,300 SH   SOLE   5,300 0 0
SCHLUMBERGER LTD COM 806857108 54 558 SH   DFND   0 558 0
SCHLUMBERGER LTD COM 806857108 486 4,989 SH   SOLE   4,989 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 33 510 SH   DFND   315 195 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 2,336 36,100 SH   SOLE   35,365 0 735
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 31 710 SH   DFND   385 325 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 1,688 39,203 SH   SOLE   38,228 0 975
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 22 380 SH   DFND   380 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 2,234 38,192 SH   SOLE   37,327 0 865
SELECT SECTOR SPDR TR SBI INT-ENERGY 81369Y506 17 195 SH   DFND   195 0 0
SELECT SECTOR SPDR TR SBI INT-ENERGY 81369Y506 1,358 15,243 SH   SOLE   14,928 0 315
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 28 1,235 SH   DFND   1,235 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 3,256 145,742 SH   SOLE   142,617 0 3,125
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 3,806 72,727 SH   SOLE   71,587 0 1,140
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 35 675 SH   DFND   675 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 10 250 SH   DFND   250 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 673 16,245 SH   SOLE   16,245 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 983 20,801 SH   SOLE   20,566 0 235
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 12 245 SH   DFND   245 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 21 590 SH   DFND   0 590 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,261 34,692 SH   SOLE   34,692 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 11 90 SH   DFND   0 90 0
SPDR GOLD TRUST GOLD SHS 78463V107 615 4,979 SH   SOLE   3,979 0 1,000
SPDR SERIES TRUST S&P DIVID ETF 78464A763 250 3,391 SH   SOLE   3,391 0 0
STEEL DYNAMICS INC COM 858119100 1,047 58,900 SH   SOLE   58,900 0 0
SYSCO CORP COM 871829107 337 9,330 SH   SOLE   7,780 0 1,550
TARGET CORP COM 87612E106 566 9,354 SH   SOLE   8,954 0 400
TARGET CORP COM 87612E106 95 1,575 SH   DFND   1,050 525 0
TORONTO DOMINION BK ONT COM NEW 891160509 204 4,340 SH   SOLE   4,340 0 0
TOTAL S A SPONSORED ADR 89151E109 773 11,782 SH   SOLE   10,957 400 425
TOTAL S A SPONSORED ADR 89151E109 30 450 SH   DFND   100 350 0
TOWER FINANCIAL CORP COM 891769101 37 1,475 SH   DFND   1,475 0 0
TOWER FINANCIAL CORP COM 891769101 4,751 191,118 SH   SOLE   188,018 0 3,100
UNION PAC CORP COM 907818108 103 550 SH   DFND   50 500 0
UNION PAC CORP COM 907818108 500 2,665 SH   SOLE   2,665 0 0
UNITED PARCEL SERVICE INC CL B 911312106 10 100 SH   DFND   100 0 0
UNITED PARCEL SERVICE INC CL B 911312106 215 2,203 SH   SOLE   2,203 0 0
UNITED TECHNOLOGIES CORP COM 913017109 1,055 9,030 SH   SOLE   9,030 0 0
UNITED TECHNOLOGIES CORP COM 913017109 67 575 SH   DFND   0 575 0
UNITEDHEALTH GROUP INC COM 91324P102 249 3,032 SH   SOLE   3,032 0 0
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 504 5,645 SH   SOLE   5,645 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 163 2,030 SH   SOLE   2,030 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 599 7,372 SH   SOLE   7,372 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 61 670 SH   DFND   345 325 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 5,347 58,422 SH   SOLE   57,352 0 1,070
VANGUARD WORLD FDS TELCOMM ETF 92204A884 670 7,873 SH   SOLE   7,873 0 0
VANGUARD WORLD FDS TELCOMM ETF 92204A884 9 110 SH   DFND   110 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 24 499 SH   DFND   290 209 0
VERIZON COMMUNICATIONS INC COM 92343V104 637 13,397 SH   SOLE   11,306 52 2,039
WALGREEN CO COM 931422109 319 4,835 SH   SOLE   4,135 200 500
WAL-MART STORES INC COM 931142103 323 4,231 SH   SOLE   4,231 0 0
WELLS FARGO & CO NEW COM 949746101 2,833 56,957 SH   SOLE   56,157 0 800
WESTERN ASSET HIGH INCM OPP COM 95766K109 68 11,250 SH   DFND   11,250 0 0
WESTERN UN CO COM 959802109 191 11,694 SH   SOLE   11,694 0 0
WISDOMTREE TR DEFA EQT INC ETF 97717W802 480 10,058 SH   SOLE   10,058 0 0
WISDOMTREE TR DEFA FD 97717W703 27 486 SH   DFND   486 0 0
WISDOMTREE TR DEFA FD 97717W703 877 16,034 SH   SOLE   16,034 0 0
WISDOMTREE TR EMERG MKTS ETF 97717W315 101 2,055 SH   DFND   1,980 75 0
WISDOMTREE TR EMERG MKTS ETF 97717W315 2,268 46,237 SH   SOLE   44,633 280 1,324
WISDOMTREE TR EQTY INC ETF 97717W208 1,666 29,447 SH   SOLE   29,447 0 0
WISDOMTREE TR GLB EQTY INC FD 97717W877 286 6,028 SH   SOLE   6,028 0 0
WISDOMTREE TR GLB EQTY INC FD 97717W877 9 200 SH   DFND   0 200 0
WISDOMTREE TR LARGECAP DIVID 97717W307 22 322 SH   DFND   322 0 0
WISDOMTREE TR LARGECAP DIVID 97717W307 1,204 17,802 SH   SOLE   17,802 0 0
WISDOMTREE TR MIDCAP DIVI FD 97717W505 4,869 63,191 SH   SOLE   60,846 0 2,345
WISDOMTREE TR MIDCAP DIVI FD 97717W505 135 1,749 SH   DFND   1,549 200 0
WISDOMTREE TR SMALLCAP DIVID 97717W604 732 10,727 SH   SOLE   10,727 0 0
YUM BRANDS INC COM 988498101 461 6,110 SH   SOLE   5,360 0 750