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 Com 00206R102 359 10,605 SH   SOLE 0 10,605 0 0
AT&T INC Com 00206R102 239 7,057 SH   DFND 0 0 7,057 0
Abbott Laboratories Com 002824100 136 4,104 SH   SOLE 0 4,104 0 0
Abbvie Inc Com 00287Y109 173 3,875 SH   SOLE 0 3,875 0 0
Agilent Technologies Inc Com 00846U101 3 66 SH   DFND 0 0 66 0
Agnico-Eagle Mines Ltd (Canada) Com 008474108 13 500 SH   SOLE 0 500 0 0
Allergan Inc - Common Com 018490102 14 150 SH   SOLE 0 150 0 0
Allstate Corp Com 020002101 41 814 SH   DFND 0 0 814 0
Altria Group Inc Com 02209S103 10 289 SH   SOLE 0 289 0 0
Altria Group Inc Com 02209S103 206 6,000 SH   DFND 0 0 6,000 0
Amazon.Com Com 023135106 45 143 SH   SOLE 0 143 0 0
American Electric Power Com 025537101 29 675 SH   SOLE 0 675 0 0
American Express CO. Com 025816109 16 217 SH   SOLE 0 217 0 0
AIG Warrants Com 026874156 25 1,321 SH   DFND 0 0 1,321 0
American International Group Com 026874784 120 2,475 SH   DFND 0 0 2,475 0
American Tower Corp Com 03027X100 39 525 SH   SOLE 0 525 0 0
Ameriprise Financial Inc. Com 03076C106 12 134 SH   SOLE 0 134 0 0
Anadarko Pete Corporation Com 032511107 19 204 SH   DFND 0 0 204 0
Anheuser-Busch Inbev SPN ADR Com 03524A108 20 200 SH   SOLE 0 200 0 0
Apache Corp Com 037411105 18 216 SH   SOLE 0 216 0 0
Apache Corp Com 037411105 255 3,000 SH   DFND 0 0 3,000 0
Apple Inc Com 037833100 249 523 SH   SOLE 0 523 0 0
Apple Inc Com 037833100 48 100 SH   DFND 0 0 100 0
Applied Materials, Inc. Com 038222105 7 400 SH   SOLE 0 400 0 0
Archer Daniels-Midland CO. Com 039483102 6 150 SH   SOLE 0 150 0 0
Astrazeneca PLC Spons ADR (United Kingdom) Com 046353108 21 400 SH   DFND 0 100 300 0
Automatic Data Processing Com 053015103 16 220 SH   DFND 0 0 220 0
BP PLC Spons ADR (United Kingdom) Com 055622104 150 3,578 SH   DFND 0 0 3,578 0
Baker Hughes Inc Com 057224107 49 1,000 SH   DFND 0 0 1,000 0
Bank Of America Corp Com 060505104 28 2,000 SH   SOLE 0 2,000 0 0
Bank Of America Corp Com 060505104 36 2,600 SH   DFND 0 0 2,600 0
Barrick Gold Corp. (Canada) Com 067901108 10 530 SH   DFND 0 0 530 0
Baxter International Com 071813109 81 1,237 SH   SOLE 0 1,237 0 0
Becton Dickinson & CO Com 075887109 8 75 SH   SOLE 0 75 0 0
Berkshire Hathaway Inc Cl B Com 084670702 68 600 SH   SOLE 0 600 0 0
Berkshire Hathaway Inc Cl B Com 084670702 77 677 SH   DFND 0 0 677 0
BlackRock Inc Com 09247X101 17 64 SH   SOLE 0 64 0 0
Boeing CO. Com 097023105 134 1,140 SH   SOLE 0 1,140 0 0
Boeing CO. Com 097023105 118 1,006 SH   DFND 0 0 1,006 0
Bristol-Myers Squibb Co. Com 110122108 58 1,250 SH   SOLE 0 1,250 0 0
Bristol-Myers Squibb Co. Com 110122108 19 400 SH   DFND 0 0 400 0
CVS/Caremark Corporation Com 126650100 13 230 SH   SOLE 0 230 0 0
Canadian Pacific Railway (Canada) Com 13645T100 62 500 SH   DFND 0 0 500 0
Caterpillar Inc Com 149123101 15 175 SH   SOLE 0 175 0 0
CEDARBURG SCH DIST GO/CALL/BQ 3.85% 3/1/2 Com 150667DT7 25 25,000 SH   SOLE 0 25,000 0 0
Cenovus Energy Inc (Canada) Com 15135U109 82 2,736 SH   DFND 0 0 2,736 0
Centerpoint Energy Inc Com 15189T107 24 1,000 SH   DFND 0 200 800 0
Chevron Corp Com 166764100 759 6,249 SH   SOLE 0 6,249 0 0
Chevron Corp Com 166764100 407 3,353 SH   DFND 0 0 3,353 0
Cisco Systems, Inc. Com 17275R102 30 1,272 SH   SOLE 0 1,272 0 0
Cisco Systems, Inc. Com 17275R102 54 2,300 SH   DFND 0 0 2,300 0
Citigroup Inc Com 172967424 12 249 SH   SOLE 0 249 0 0
Citigroup Capital X Pfd Stk 173064205 100 4,000 SH   SOLE 0 4,000 0 0
Coach Inc Com 189754104 10 185 SH   SOLE 0 185 0 0
Coca-Cola Co, The Com 191216100 154 4,060 SH   SOLE 0 4,060 0 0
Coca-Cola Co, The Com 191216100 406 10,712 SH   DFND 0 1,200 9,512 0
Cohen & Steers Infrastructur Com 19248A109 118 6,000 SH   DFND 0 0 6,000 0
Colgate-Palmolive CO Com 194162103 1,044 17,600 SH   SOLE 0 17,600 0 0
Comcast Corp - CL A Com 20030N101 14 302 SH   SOLE 0 302 0 0
Comcast Corp - CL A Com 20030N101 33 724 SH   DFND 0 0 724 0
ConocoPhillips Com 20825C104 49 700 SH   SOLE 0 700 0 0
ConocoPhillips Com 20825C104 156 2,251 SH   DFND 0 0 2,251 0
Costco Wholesale Corp Com 22160K105 134 1,161 SH   SOLE 0 1,161 0 0
Cullen/Frost Bankers Inc Com 229899109 23 325 SH   DFND 0 100 225 0
Cypress Semiconductor Com 232806109 21 2,300 SH   DFND 0 0 2,300 0
Danaher Corporation Com 235851102 12 167 SH   SOLE 0 167 0 0
Danaher Corporation Com 235851102 30 436 SH   DFND 0 0 436 0
Devon Energy Corp Com 25179M103 31 534 SH   SOLE 0 534 0 0
Devon Energy Corp Com 25179M103 68 1,170 SH   DFND 0 0 1,170 0
Walt Disney Co, The Com 254687106 46 721 SH   SOLE 0 721 0 0
Walt Disney Co, The Com 254687106 32 500 SH   DFND 0 0 500 0
Discover Financial Services Com 254709108 17 344 SH   DFND 0 0 344 0
Dover Corporation Com 260003108 252 2,800 SH   SOLE 0 2,800 0 0
Dow Chemical CO. Com 260543103 79 2,060 SH   SOLE 0 2,060 0 0
Dow Chemical CO. Com 260543103 87 2,273 SH   DFND 0 0 2,273 0
Du Pont (E I) DE Nemours & CO. Com 263534109 12 210 SH   SOLE 0 210 0 0
Du Pont (E I) DE Nemours & CO. Com 263534109 210 3,586 SH   DFND 0 0 3,586 0
Duke Energy Corp Com 26441C204 2 33 SH   SOLE 0 33 0 0
EMC Corp Mass Com 268648102 46 1,782 SH   SOLE 0 1,782 0 0
Edison International Com 281020107 115 2,500 SH   DFND 0 0 2,500 0
Eldorado Gold Corp Com 284902103 3 500 SH   SOLE 0 500 0 0
Emerson Electric CO. Com 291011104 532 8,230 SH   SOLE 0 8,230 0 0
Enbridge Inc Com 29250N105 8 200 SH   SOLE 0 200 0 0
Energy Transfer Partners LP Com 29273R109 52 1,000 SH   DFND 0 0 1,000 0
Enterprise Products Partners Com 293792107 12 200 SH   SOLE 0 200 0 0
Express Scripts Holding Co Com 30219G108 7 121 SH   SOLE 0 121 0 0
Exxon Mobil Corp Com 30231G102 681 7,915 SH   SOLE 0 7,915 0 0
Exxon Mobil Corp Com 30231G102 875 10,166 SH   DFND 0 0 10,166 0
Fedex Corp Com 31428X106 11 98 SH   DFND 0 0 98 0
Fifth Third Bancorp Com 316773100 10 545 SH   SOLE 0 545 0 0
General Dynamics Corp Com 369550108 10 110 SH   SOLE 0 110 0 0
General Electric Co. Com 369604103 758 31,749 SH   SOLE 0 31,749 0 0
General Electric Co. Com 369604103 631 26,396 SH   DFND 0 0 26,396 0
General Mills Com 370334104 307 6,400 SH   SOLE 0 6,400 0 0
Genworth Financial Inc Class A Com 37247D106 26 2,000 SH   SOLE 0 2,000 0 0
Goldcorp Inc (Canada) Com 380956409 21 800 SH   SOLE 0 800 0 0
Google Inc-CL A Com 38259P508 72 82 SH   SOLE 0 82 0 0
Halliburton CO. Com 406216101 8 164 SH   SOLE 0 164 0 0
Halliburton CO. Com 406216101 120 2,500 SH   DFND 0 0 2,500 0
Hologic Inc Com 436440101 5 223 SH   SOLE 0 223 0 0
Honeywell International Inc Com 438516106 49 593 SH   SOLE 0 593 0 0
Huntsman Corp Com 447011107 540 26,225 SH   SOLE 0 26,225 0 0
Industrial Supply Com 456001XO9 5,882 1,835 SH   DFND 0 0 1,835 0
Inland American Real Estate Trust Com 457281103 24 3,500 SH   SOLE 0 0 0 3,500
Intel Corp. Com 458140100 30 1,320 SH   SOLE 0 1,320 0 0
Intel Corp. Com 458140100 60 2,600 SH   DFND 0 100 2,500 0
INTL Business Machines Corp Com 459200101 345 1,865 SH   SOLE 0 1,865 0 0
INTL Business Machines Corp Com 459200101 225 1,217 SH   DFND 0 0 1,217 0
International Paper Com 460146103 45 1,000 SH   DFND 0 0 1,000 0
Ishares Core S&P 500 ETF Com 464287200 936 5,540 SH   SOLE 0 5,540 0 0
IShares U.S. Real Estate ETF Com 464287739 5 80 SH   SOLE 0 0 0 80
JPMorgan Chase & Co Com 46625H100 296 5,721 SH   SOLE 0 5,721 0 0
JPMorgan Chase & Co Com 46625H100 99 1,914 SH   DFND 0 0 1,914 0
Jack In the Box Inc Com 466367109 81 2,032 SH   SOLE 0 2,032 0 0
Johnson & Johnson Com 478160104 2,177 25,109 SH   SOLE 0 25,109 0 0
Johnson & Johnson Com 478160104 225 2,596 SH   DFND 0 0 2,596 0
Johnson Controls Inc Com 478366107 10 230 SH   SOLE 0 230 0 0
Kimberly Clark Corp Com 494368103 28 300 SH   DFND 0 100 200 0
Kroger Company Com 501044101 24 600 SH   DFND 0 0 600 0
Legacy Reserves LP Com 524707304 4 150 SH   SOLE 0 150 0 0
Eli Lilly & Co Com 532457108 249 4,950 SH   SOLE 0 4,950 0 0
Linear Tech Corp Com 535678106 7 185 SH   SOLE 0 185 0 0
Lowes Cos Inc Com 548661107 61 1,281 SH   SOLE 0 1,281 0 0
Lowes Cos Inc Com 548661107 16 340 SH   DFND 0 0 340 0
M&T Bank Corp Com 55261F104 12 110 SH   SOLE 0 110 0 0
Marathon Oil Corp Com 565849106 35 1,000 SH   SOLE 0 1,000 0 0
Marathon Petroleum Corp Com 56585A102 32 500 SH   SOLE 0 500 0 0
McDonald's Corp Com 580135101 60 619 SH   SOLE 0 619 0 0
McDonald's Corp Com 580135101 7 75 SH   DFND 0 0 75 0
McKesson Corporation Com 58155Q103 11 86 SH   SOLE 0 86 0 0
Medtronic, Inc. Com 585055106 34 635 SH   SOLE 0 635 0 0
Merck & Co. Inc Com 58933Y105 65 1,368 SH   SOLE 0 1,368 0 0
Merck & Co. Inc Com 58933Y105 78 1,630 SH   DFND 0 230 1,400 0
Metlife Inc Com 59156R108 11 240 SH   SOLE 0 240 0 0
Microsoft Corp Com 594918104 66 1,995 SH   SOLE 0 1,995 0 0
Microsoft Corp Com 594918104 112 3,353 SH   DFND 0 0 3,353 0
Monsanto Co Com 61166W101 18 170 SH   DFND 0 0 170 0
Morgan Stanley Com 617446448 19 688 SH   DFND 0 0 688 0
Moviematic Industries Corporation Com 624624102 0 200 SH   SOLE 0 200 0 0
National Oilwell Inc Com 637071101 7 86 SH   SOLE 0 86 0 0
New Oriental Educatio-Sp ADR Com 647581107 10 400 SH   SOLE 0 400 0 0
NextEra Energy Com 65339F101 240 3,000 SH   SOLE 0 3,000 0 0
NextEra Energy Com 65339F101 175 2,178 SH   DFND 0 0 2,178 0
Nike Inc Cl B Com 654106103 14 190 SH   SOLE 0 190 0 0
Nordstrom Inc Com 655664100 12 220 SH   SOLE 0 220 0 0
Norfolk Southern Corp. Com 655844108 23 300 SH   DFND 0 100 200 0
Oasis Petroleum Inc Com 674215108 49 1,000 SH   DFND 0 0 1,000 0
Occidental Petroleum Com 674599105 63 676 SH   SOLE 0 676 0 0
Occidental Petroleum Com 674599105 136 1,458 SH   DFND 0 0 1,458 0
Oneok Inc Com 682680103 35 650 SH   SOLE 0 650 0 0
Oracle Corp Com Com 68389X105 156 4,691 SH   SOLE 0 4,691 0 0
Owens-Illinois Inc Com 690768403 3 100 SH   DFND 0 0 100 0
Paychex Inc Com 704326107 10 245 SH   SOLE 0 245 0 0
People's United Financial Com 712704105 43 3,000 SH   DFND 0 0 3,000 0
Pepsico, Inc. Com 713448108 96 1,208 SH   SOLE 0 1,208 0 0
Pepsico, Inc. Com 713448108 112 1,407 SH   DFND 0 0 1,407 0
Pfizer, Inc. Com 717081103 163 5,684 SH   SOLE 0 5,684 0 0
Pfizer, Inc. Com 717081103 117 4,090 SH   DFND 0 0 4,090 0
Philip Morris International Com 718172109 48 556 SH   SOLE 0 556 0 0
Phillips 66 Com 718546104 26 450 SH   SOLE 0 450 0 0
Phillips 66 Com 718546104 65 1,125 SH   DFND 0 0 1,125 0
Pimco Commodity RR Strat D (377) Com 722005550 8 1,452 SH   DFND 0 0 1,452 0
Potash Corp Saksk Incorp (Canada) Com 73755L107 63 2,000 SH   DFND 0 0 2,000 0
Praxair Com 74005P104 33 276 SH   SOLE 0 276 0 0
Praxair Com 74005P104 41 340 SH   DFND 0 0 340 0
Procter & Gamble CO. Com 742718109 1,016 13,443 SH   SOLE 0 13,443 0 0
Procter & Gamble CO. Com 742718109 22 292 SH   DFND 0 0 292 0
Prudential Financial Inc Com 744320102 57 727 SH   SOLE 0 727 0 0
Qualcomm Corp Com 747525103 45 670 SH   SOLE 0 670 0 0
Raytheon Company Com 755111507 116 1,500 SH   DFND 0 0 1,500 0
Resource Recovery International Corp Com 76122T109 0 113 SH   SOLE 0 113 0 0
Reynolds American Inc Com 761713106 146 3,000 SH   DFND 0 0 3,000 0
Rio Tinto PLC Sponsored ADR (United Kingdom) Com 767204100 12 250 SH   SOLE 0 250 0 0
Roche Hldgs Ltd Spon ADR (Switzerland) Com 771195104 67 1,000 SH   DFND 0 0 1,000 0
Ross Stores Com 778296103 15 200 SH   DFND 0 0 200 0
SPDR Dow Jones REIT ETF Com 78464A607 4 52 SH   SOLE 0 52 0 0
Schlumberger Ltd. Com 806857108 48 547 SH   SOLE 0 547 0 0
Schlumberger Ltd. Com 806857108 123 1,396 SH   DFND 0 0 1,396 0
Sempra Energy Inc. Com 816851109 12 140 SH   DFND 0 0 140 0
Sovran Self Storage Inc Com 84610H108 38 500 SH   SOLE 0 500 0 0
Spectra Energy Corp Com 847560109 17 500 SH   SOLE 0 500 0 0
Spectra Energy Corp Com 847560109 29 850 SH   DFND 0 250 600 0
State Street Corp Com 857477103 11 165 SH   DFND 0 0 165 0
Stericycle Inc Com 858912108 41 355 SH   SOLE 0 355 0 0
SuperValu Inc Com 868536103 2 200 SH   SOLE 0 200 0 0
Sysco Corp Com 871829107 32 1,000 SH   DFND 0 0 1,000 0
O C Tanner Jewelry Cl A Non-Voting Com 875001XO2 1,300 382,355 SH   SOLE 0 382,355 0 0
O C Tanner Jewelry Cl A Non-Voting Com 875001XO2 27 8,020 SH   DFND 0 8,020 0 0
O C Tanner Jewelry Voting Com 875002XO0 428 126,000 SH   SOLE 0 126,000 0 0
O C Tanner Jewelry Cl B Non-Voting Com 875003XO8 9,549 2,808,444 SH   SOLE 0 2,808,444 0 0
O C Tanner Jewelry Cl B Non-Voting Com 875003XO8 27 8,044 SH   DFND 0 8,044 0 0
Target Corp Com 87612E106 15 235 SH   SOLE 0 235 0 0
3M Co Com 88579Y101 478 4,000 SH   SOLE 0 4,000 0 0
3M Co Com 88579Y101 110 920 SH   DFND 0 0 920 0
Total SA (France) Com 89151E109 12 200 SH   SOLE 0 200 0 0
Total SA (France) Com 89151E109 58 1,000 SH   DFND 0 0 1,000 0
The Travelers Companies Inc Com 89417E109 55 647 SH   SOLE 0 647 0 0
US Bancorp Com 902973304 21 565 SH   DFND 0 0 565 0
Com'l Ppr Union Bank NA 01/06/14 Com 90526NA62 2,229 2,230,000 SH   SOLE 0 2,230,000 0 0
Union Pacific Corp. Com 907818108 363 2,334 SH   DFND 0 0 2,334 0
U S Treasury Note 4.000% 02/15/15 Com 912828DM9 289 275,000 SH   SOLE 0 275,000 0 0
United Technologies Corp. Com 913017109 51 476 SH   SOLE 0 476 0 0
United Technologies Corp. Com 913017109 160 1,485 SH   DFND 0 0 1,485 0
United Health Group Inc Com 91324P102 10 143 SH   SOLE 0 143 0 0
Vanguard Short-Term Bond ETF Com 921937827 21,769 270,857 SH   SOLE 0 270,271 586 0
Vanguard Short-Term Bond ETF Com 921937827 1,422 17,692 SH   DFND 0 4,431 13,261 0
Vanguard Natural Resources Com 92205F106 56 2,000 SH   DFND 0 0 2,000 0
Varian Medical Systems Inc Com 92220P105 47 627 SH   SOLE 0 627 0 0
Vectren Corporation Com 92240G101 83 2,500 SH   DFND 0 0 2,500 0
Vanguard REIT Vipers Com 922908553 2 32 SH   SOLE 0 32 0 0
Vanguard REIT Vipers Com 922908553 56 850 SH   DFND 0 0 250 600
Verizon Communications Com 92343V104 353 7,559 SH   SOLE 0 7,559 0 0
Verizon Communications Com 92343V104 183 3,914 SH   DFND 0 100 3,814 0
Viacom Inc - Class B Com 92553P201 50 596 SH   DFND 0 0 596 0
Visa Inc-Class A Shares Com 92826C839 44 231 SH   SOLE 0 231 0 0
Vodafone Group PLC-Sp ADR (United Kingdom) Com 92857W209 14 400 SH   SOLE 0 400 0 0
Vodafone Group PLC-Sp ADR (United Kingdom) Com 92857W209 33 948 SH   DFND 0 0 948 0
Wal-Mart Stores, Inc. Com 931142103 401 5,423 SH   SOLE 0 5,423 0 0
Wal-Mart Stores, Inc. Com 931142103 15 200 SH   DFND 0 0 200 0
Waters Corporation Com 941848103 13 125 SH   DFND 0 0 125 0
WEBER CNTY-REF UT AMBAC 5% 01/15/14 Com 947644GL8 25 25,000 SH   SOLE 0 25,000 0 0
Wells Fargo & Co. Com 949746101 6 150 SH   SOLE 0 0 0 150
Wells Fargo & Co. Com 949746101 407 9,850 SH   DFND 0 0 9,850 0
Wiley (John) & Sons-Class A Com 968223206 5 102 SH   DFND 0 0 102 0
Williams Company Inc Com 969457100 10 265 SH   SOLE 0 265 0 0
Williams Partners Lp Com 96950F104 53 1,000 SH   DFND 0 0 1,000 0
Zimmer Holdings Inc Com 98956P102 2 25 SH   DFND 0 0 25 0
Zions Bancorporation Com 989701107 399 14,569 SH   SOLE 0 14,569 0 0
Zions Bancorporation Com 989701107 294 10,704 SH   DFND 0 0 10,704 0
Zions Bancorporation 6.9500% 09/15/28 Pfd Stk 989701818 38 1,480 SH   SOLE 0 1,480 0 0
Zions Bancorp Ser G 6.300% 12/31/49 Pfd Stk 989701859 15 640 SH   SOLE 0 640 0 0
Fractional Shares of AIG Com ACG874152 0 18,082 SH   DFND 0 0 18,082 0
Cohen & Steers Quality Inc Rlty Fractional Com BKC47L109 0 62,080 SH   SOLE 0 62,080 0 0
Dividend Capital Total Realty Trust Com DC760257Z 29 4,348 SH   SOLE 0 848 0 3,500
Five Star Quality Care Inc Fractional Shares Com DDJ32D101 0 817 SH   SOLE 0 817 0 0
Aircastle LTD Com G0129K104 35 2,000 SH   DFND 0 0 2,000 0
Accenture Plc-CL A Com G1151C101 10 130 SH   SOLE 0 130 0 0
Ingersoll Rand PLC (Ireland) Com G47791101 155 2,394 SH   DFND 0 0 2,394 0
Seadrill Ltd (Bermuda) Com G7945E105 27 600 SH   DFND 0 0 600 0