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
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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
ABBOTT LABS Equities 002824100 684 14,075 SH   SOLE   14,075 0 0
ALLSTATE CORP Equities 020002101 1,389 15,707 SH   SOLE   15,707 0 0
ALLSTATE CORP Equities 020002101 5 60 SH   OTR   60 0 0
AMERICAN EXPRESS CO Equities 025816109 1,413 16,774 SH   SOLE   16,774 0 0
ANALOG DEVICES Equities 032654105 1,271 16,344 SH   SOLE   16,344 0 0
APPLE COMPUTER INC Equities 037833100 24 170 SH   OTR   170 0 0
APPLE COMPUTER INC Equities 037833100 2,942 20,428 SH   SOLE   20,428 0 0
BECTON DICKINSON AND CO Equities 075887109 1,471 7,544 SH   SOLE   7,544 0 0
BRISTOL MYERS SQUIBB CO Equities 110122108 788 14,154 SH   SOLE   14,154 0 0
BRISTOL MYERS SQUIBB CO Equities 110122108 197 3,546 SH   OTR   3,546 0 0
CIGNA CORPORATION Equities 125509109 924 5,525 SH   SOLE   5,525 0 0
CVS CAREMARK CORP Equities 126650100 1,318 16,389 SH   SOLE   16,389 0 0
THE CHEESECAKE FACTORY INC. Equities 163072101 237 4,723 SH   SOLE   4,723 0 0
CHEVRON CORPORATION Equities 166764100 1,913 18,342 SH   SOLE   18,342 0 0
COCA COLA CO Equities 191216100 255 5,690 SH   SOLE   5,690 0 0
COCA COLA CO Equities 191216100 179 4,000 SH   OTR   4,000 0 0
COLGATE PALMOLIVE CO Equities 194162103 240 3,241 SH   SOLE   3,241 0 0
DISNEY HOLDING COMPANY Equities 254687106 63 600 SH   OTR   600 0 0
DISNEY HOLDING COMPANY Equities 254687106 1,909 17,972 SH   SOLE   17,972 0 0
E I DU PONT DE NEMOURS AND CO Equities 263534109 433 5,375 SH   SOLE   5,375 0 0
ELECTRONIC ARTS INC. Equities 285512109 1,437 13,595 SH   SOLE   13,595 0 0
ELECTRONIC ARTS INC. Equities 285512109 10 100 SH   OTR   100 0 0
EMERSON ELEC CO Equities 291011104 212 3,559 SH   SOLE   3,559 0 0
EMERSON ELEC CO Equities 291011104 31 520 SH   OTR   520 0 0
FISERV INC Equities 337738108 876 7,164 SH   SOLE   7,164 0 0
GENERAL DYNAMICS Equities 369550108 554 2,800 SH   SOLE   2,800 0 0
GENERAL ELECTRIC COMPANY Equities 369604103 1,462 54,156 SH   SOLE   54,156 0 0
GENERAL MILLS INC Equities 370334104 463 8,360 SH   SOLE   8,360 0 0
HOME DEPOT, INC. Equities 437076102 61 400 SH   OTR   400 0 0
HOME DEPOT, INC. Equities 437076102 2,348 15,310 SH   SOLE   15,310 0 0
HUNTINGTON BANCSHARES INC Equities 446150104 705 52,185 SH   SOLE   52,185 0 0
INTEL CORP Equities 458140100 283 8,400 SH   OTR   8,400 0 0
INTEL CORP Equities 458140100 267 7,921 SH   SOLE   7,921 0 0
INTERNATIONAL BUSINESS MACHINES Equities 459200101 15 100 SH   OTR   100 0 0
INTERNATIONAL BUSINESS MACHINES Equities 459200101 547 3,558 SH   SOLE   3,558 0 0
ISHARES: S&P 500 INDEX Mutual Funds 464287200 6,172 25,359 SH   SOLE   25,359 0 0
ISHARES MSCI EM MKTS Mutual Funds 464287234 1,304 31,527 SH   SOLE   31,527 0 0
ISHARES MSCI EM MKTS Mutual Funds 464287234 4 100 SH   OTR   100 0 0
ISHARES: S&P 500 GROWTH INDEX Mutual Funds 464287309 287 2,100 SH   SOLE   2,100 0 0
ISHARES: S&P MIDCAP 400 INDEX Mutual Funds 464287507 32,685 187,904 SH   SOLE   187,419 0 485
ISHARES: S&P MIDCAP 400 INDEX Mutual Funds 464287507 37 215 SH   OTR   215 0 0
ISHARES: COHEN & STEERS REIT Mutual Funds 464287564 5,142 50,854 SH   SOLE   50,664 0 190
ISHARES: COHEN & STEERS REIT Mutual Funds 464287564 20 205 SH   OTR   205 0 0
ISHARES: S&P MIDCAP 400 GROWTH Mutual Funds 464287606 3,582 18,220 SH   SOLE   18,220 0 0
ISHARES: S&P SMALLCAP 600 INDEX Mutual Funds 464287804 58 830 SH   OTR   830 0 0
ISHARES: S&P SMALLCAP 600 INDEX Mutual Funds 464287804 20,054 286,036 SH   SOLE   285,346 0 690
ISHARES: MSCI EAFE SMALL CAP Mutual Funds 464288273 3,053 52,797 SH   SOLE   52,602 0 195
ISHARES: MSCI EAFE SMALL CAP Mutual Funds 464288273 13 240 SH   OTR   240 0 0
ISHARES: S&P CA MUNI BOND FUND Mutual Funds 464288356 152 1,300 SH   OTR   1,300 0 0
ISHARES: S&P CA MUNI BOND FUND Mutual Funds 464288356 188 1,600 SH   SOLE   1,600 0 0
iSHARES: US PFD STOCK INDEX Mutual Funds 464288687 235 6,000 SH   SOLE   6,000 0 0
JOHNSON & JOHNSON Equities 478160104 238 1,800 SH   OTR   1,800 0 0
JOHNSON & JOHNSON Equities 478160104 1,241 9,381 SH   SOLE   9,381 0 0
KIMBERLY-CLARK CORPORATION Equities 494368103 218 1,693 SH   SOLE   1,693 0 0
LILLY ELI & CO. Equities 532457108 197 2,400 SH   OTR   2,400 0 0
LILLY ELI & CO. Equities 532457108 172 2,100 SH   SOLE   2,100 0 0
LOWES COMPANIES INC. Equities 548661107 362 4,670 SH   SOLE   4,670 0 0
MICROSOFT CORP. Equities 594918104 702 10,196 SH   SOLE   10,196 0 0
MICROSOFT CORP. Equities 594918104 220 3,200 SH   OTR   3,200 0 0
NIKE INC. Equities 654106103 906 15,360 SH   SOLE   15,360 0 0
NORTHROP GRUMMAN CORP. Equities 666807102 332 1,294 SH   SOLE   1,294 0 0
PPG IND INC Equities 693506107 1,505 13,693 SH   SOLE   13,693 0 0
PPG IND INC Equities 693506107 5 50 SH   OTR   50 0 0
PACKAGING CORP OF AMERICA Equities 695156109 403 3,625 SH   SOLE   3,625 0 0
PARKER HANNIFIN CORP Equities 701094104 1,355 8,482 SH   SOLE   8,482 0 0
PEPSICO INC Equities 713448108 854 7,396 SH   SOLE   7,396 0 0
PFIZER INC Equities 717081103 212 6,333 SH   SOLE   6,333 0 0
PFIZER INC Equities 717081103 30 900 SH   OTR   900 0 0
PHILLIPS 66 Equities 718546104 255 3,092 SH   SOLE   3,092 0 0
PIONEER NATURAL RESOURCES Equities 723787107 458 2,876 SH   SOLE   2,876 0 0
PROCTER & GAMBLE COMPANY Equities 742718109 130 1,500 SH   OTR   1,500 0 0
PROCTER & GAMBLE COMPANY Equities 742718109 252 2,896 SH   SOLE   2,896 0 0
SCHLUMBERGER LTD NV Equities 806857108 108 1,650 SH   OTR   1,650 0 0
SCHLUMBERGER LTD NV Equities 806857108 600 9,127 SH   SOLE   9,127 0 0
SMUCKER (J.M.) Equities 832696405 556 4,700 SH   SOLE   4,700 0 0
SMUCKER (J.M.) Equities 832696405 5 50 SH   OTR   50 0 0
STRYKER CORP Equities 863667101 858 6,186 SH   SOLE   6,186 0 0
STRYKER CORP Equities 863667101 6 50 SH   OTR   50 0 0
SUNTRUST BANKS Equities 867914103 587 10,350 SH   SOLE   10,350 0 0
TAIWAN SEMICONDUCTOR ADR Equities 874039100 358 10,253 SH   SOLE   10,253 0 0
TAIWAN SEMICONDUCTOR ADR Equities 874039100 5 150 SH   OTR   150 0 0
THOMSON REUTERS Equities 884903105 4 100 SH   OTR   100 0 0
THOMSON REUTERS Equities 884903105 370 8,010 SH   SOLE   8,010 0 0
U.S. BANCORP Equities 902973304 303 5,843 SH   SOLE   5,843 0 0
UNITED TECHNOLOGIES CORP Equities 913017109 1,426 11,684 SH   SOLE   11,684 0 0
VANGUARD INTERM-TERM BOND ETF Mutual Funds 921937819 3,175 37,566 SH   SOLE   37,566 0 0
WATERS CORP. Equities 941848103 883 4,808 SH   SOLE   4,808 0 0
AMERISOURCEBERGEN Equities 03073E105 1,092 11,557 SH   SOLE   11,557 0 0
AMERISOURCEBERGEN Equities 03073E105 5 60 SH   OTR   60 0 0
TRAVELERS COMPANIES INC Equities 89417E109 3 30 SH   OTR   30 0 0
TRAVELERS COMPANIES INC Equities 89417E109 1,564 12,364 SH   SOLE   12,364 0 0
AT&T INC Equities 00206R102 116 3,076 SH   OTR   3,076 0 0
AT&T INC Equities 00206R102 1,084 28,755 SH   SOLE   28,755 0 0
ABBVIE INC. Equities 00287Y109 528 7,282 SH   SOLE   7,282 0 0
ADOBE SYSTEMS, INC. Equities 00724F101 743 5,255 SH   SOLE   5,255 0 0
ALPHABET INC CAP CL C Equities 02079K107 319 352 SH   SOLE   352 0 0
ALPHABET INC CAP CL A Equities 02079K305 1,293 1,391 SH   SOLE   1,391 0 0
ALPHABET INC CAP CL A Equities 02079K305 9 10 SH   OTR   10 0 0
AMERICAN TOWER CORPORATION Equities 03027X100 225 1,707 SH   SOLE   1,707 0 0
BLACKROCK INV QUALITY MUNI TR Mutual Funds 09247D105 170 11,500 SH   SOLE   11,500 0 0
COHEN & STEERS REIT & PFD INCOM Mutual Funds 19247X100 205 9,900 SH   SOLE   9,900 0 0
COMCAST CORP CL A Equities 20030N101 2,311 59,393 SH   SOLE   59,393 0 0
COMCAST CORP CL A Equities 20030N101 7 200 SH   OTR   200 0 0
COSTCO WHOLESALE CORP. Equities 22160K105 1,686 10,543 SH   SOLE   10,543 0 0
COSTCO WHOLESALE CORP. Equities 22160K105 6 40 SH   OTR   40 0 0
DOMINION RESOURCES INC. NEW Equities 25746U109 224 2,930 SH   SOLE   2,930 0 0
DREYFUS MUNICIPAL INCOME INC Mutual Funds 26201R102 126 14,000 SH   SOLE   14,000 0 0
EXPRESS SCRIPTS HLDG CO Equities 30219G108 3 50 SH   OTR   50 0 0
EXPRESS SCRIPTS HLDG CO Equities 30219G108 684 10,726 SH   SOLE   10,726 0 0
EXXON MOBIL CORP. Equities 30231G102 720 8,925 SH   SOLE   8,925 0 0
EXXON MOBIL CORP. Equities 30231G102 186 2,310 SH   OTR   2,310 0 0
FACEBOOK Equities 30303M102 595 3,943 SH   SOLE   3,943 0 0
INDEXIQ ETF TR IQ MRGR ARB ETF 45409B800 8,149 265,122 SH   SOLE   262,557 0 2,565
INDEXIQ ETF TR IQ MRGR ARB ETF 45409B800 82 2,700 SH   OTR   2,700 0 0
JP MORGAN CHASE & CO. Equities 46625H100 2,157 23,608 SH   SOLE   23,608 0 0
MCKESSON HBOC INC. Equities 58155Q103 1,039 6,316 SH   SOLE   6,316 0 0
MERCK Equities 58933Y105 532 8,306 SH   SOLE   8,306 0 0
NETSCOUT SYS INC COM Equities 64115T104 243 7,087 SH   SOLE   7,087 0 0
NEXTERA ENERGY, INC. Equities 65339F101 3 25 SH   OTR   25 0 0
NEXTERA ENERGY, INC. Equities 65339F101 701 5,005 SH   SOLE   5,005 0 0
ORACLE CORP Equities 68389X105 15 300 SH   OTR   300 0 0
ORACLE CORP Equities 68389X105 730 14,569 SH   SOLE   14,569 0 0
PIMCO MUNI INC II Mutual Funds 72200W106 236 18,000 SH   SOLE   18,000 0 0
PIMCO 1-5 YEAR US TIPS INDEX ET Mutual Funds 72201R205 260 5,000 SH   SOLE   5,000 0 0
PINNACLE FOODS Equities 72348P104 1,536 25,875 SH   SOLE   25,875 0 0
PINNACLE FOODS Equities 72348P104 8 150 SH   OTR   150 0 0
RYDEX ETF TRUST GUG S&P500 PU VA 78355W304 18 315 SH   OTR   315 0 0
RYDEX ETF TRUST GUG S&P500 PU VA 78355W304 14,196 238,321 SH   SOLE   237,116 0 1,205
RYDEX ETF TRUST GUG S&P500 PU GR 78355W403 18,310 194,499 SH   SOLE   193,234 0 1,265
RYDEX ETF TRUST GUG S&P500 PU GR 78355W403 120 1,280 SH   OTR   1,280 0 0
RYDEX ETF TRUST GUG S&P MC400 PV 78355W502 11 175 SH   OTR   175 0 0
RYDEX ETF TRUST GUG S&P MC400 PV 78355W502 6,386 101,192 SH   SOLE   101,042 0 150
RYDEX ETF TRUST GUG S&P MC400 PG 78355W601 38 275 SH   OTR   275 0 0
RYDEX ETF TRUST GUG S&P MC400 PG 78355W601 15,915 113,688 SH   SOLE   113,548 0 140
RYDEX ETF TRUST GUG S&P SC600 PG 78355W809 8 85 SH   OTR   85 0 0
RYDEX ETF TRUST GUG S&P SC600 PG 78355W809 1,400 13,610 SH   SOLE   13,610 0 0
S&P GLOBAL Equities 78409V104 463 3,175 SH   SOLE   3,175 0 0
3M COMPANY Equities 88579Y101 6 30 SH   OTR   30 0 0
3M COMPANY Equities 88579Y101 1,916 9,205 SH   SOLE   9,205 0 0
VANGUARD MORTG-BACKED SECURITIE Mutual Funds 92206C771 263 5,000 SH   SOLE   5,000 0 0
VERIZON COMMUNICATIONS INC. Equities 92343V104 993 22,247 SH   SOLE   22,247 0 0
VERIZON COMMUNICATIONS INC. Equities 92343V104 59 1,333 SH   OTR   1,333 0 0
VISA INC Equities 92826C839 9 100 SH   OTR   100 0 0
VISA INC Equities 92826C839 2,572 27,430 SH   SOLE   27,430 0 0
WEC ENERGY GROUP INC Equities 92939U106 254 4,140 SH   SOLE   4,140 0 0
WISDOMTREE EUROPE HEDGED EQ Mutual Funds 97717X701 3,858 61,902 SH   SOLE   61,662 0 240
ACCENTURE PLC Equities G1151C101 1,540 12,458 SH   SOLE   12,458 0 0
EVEREST RE GROUP LTD Equities G3223R108 5 20 SH   OTR   20 0 0
EVEREST RE GROUP LTD Equities G3223R108 2,090 8,213 SH   SOLE   8,213 0 0
MEDTRONIC PLC Equities G5960L103 212 2,395 SH   SOLE   2,395 0 0
MYLAN N.V. Equities N59465109 411 10,612 SH   SOLE   10,612 0 0