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 COMPANY Equities 88579Y101 5 30 SH   DFND   30 0 0
3M COMPANY Equities 88579Y101 1,840 9,357 SH   SOLE   9,357 0 0
ABBOTT LABS Equities 002824100 1,557 25,543 SH   SOLE   25,543 0 0
ABBVIE INC. Equities 00287Y109 1,497 16,158 SH   SOLE   16,158 0 0
ABBVIE INC. Equities 00287Y109 9 100 SH   DFND   100 0 0
ACCENTURE PLC Equities G1151C101 1,603 9,803 SH   SOLE   9,803 0 0
ADOBE SYSTEMS, INC. Equities 00724F101 1,494 6,130 SH   SOLE   6,130 0 0
ALLSTATE CORP Equities 020002101 1,467 16,077 SH   SOLE   16,077 0 0
ALLSTATE CORP Equities 020002101 13 150 SH   DFND   150 0 0
ALPHABET INC CAP CL C Equities 02079K107 387 347 SH   SOLE   347 0 0
ALPHABET INC CL A Equities 02079K305 1,814 1,607 SH   SOLE   1,607 0 0
ALPHABET INC CL A Equities 02079K305 22 20 SH   DFND   20 0 0
AMERICAN EXPRESS CO Equities 025816109 1,915 19,543 SH   SOLE   19,543 0 0
AMERICAN EXPRESS CO Equities 025816109 19 200 SH   DFND   200 0 0
AMERICAN TOWER CORPORATION Equities 03027X100 222 1,543 SH   SOLE   1,543 0 0
AMERISOURCEBERGEN Equities 03073E105 441 5,172 SH   SOLE   5,172 0 0
ANALOG DEVICES Equities 032654105 1,589 16,574 SH   SOLE   16,574 0 0
APPLE COMPUTER INC Equities 037833100 25 140 SH   DFND   140 0 0
APPLE COMPUTER INC Equities 037833100 3,789 20,474 SH   SOLE   20,474 0 0
AT&T INC Equities 00206R102 717 22,347 SH   SOLE   22,347 0 0
AT&T INC Equities 00206R102 95 2,976 SH   DFND   2,976 0 0
BANK OF AMERICA CORP. Equities 060505104 429 15,239 SH   SOLE   15,239 0 0
BANK OF AMERICA CORP. Equities 060505104 2 100 SH   DFND   100 0 0
BECTON DICKINSON AND CO Equities 075887109 2,093 8,739 SH   SOLE   8,739 0 0
BLACKROCK INV QUALITY MUNI TR Equities 09247D105 161 11,500 SH   SOLE   11,500 0 0
BOEING CO Equities 097023105 466 1,390 SH   SOLE   1,390 0 0
BRISTOL-MYERS SQUIBB CO Equities 110122108 651 11,779 SH   SOLE   11,779 0 0
BRISTOL-MYERS SQUIBB CO Equities 110122108 196 3,546 SH   DFND   3,546 0 0
CAPITAL ONE FINANCIAL CORP. Equities 14040H105 254 2,765 SH   SOLE   2,765 0 0
CHARLES SCHWAB CO Equities 808513105 112 2,200 SH   DFND   2,200 0 0
CHARLES SCHWAB CO Equities 808513105 466 9,128 SH   SOLE   9,128 0 0
CHEVRON CORPORATION Equities 166764100 3,139 24,833 SH   SOLE   24,833 0 0
CIGNA CORPORATION Equities 125509109 621 3,659 SH   SOLE   3,659 0 0
CISCO SYSTEMS Equities 17275R102 210 4,889 SH   SOLE   4,889 0 0
COCA COLA CO Equities 191216100 175 4,000 SH   DFND   4,000 0 0
COCA COLA CO Equities 191216100 217 4,960 SH   SOLE   4,960 0 0
COMCAST CORP CL A Equities 20030N101 6 200 SH   DFND   200 0 0
COMCAST CORP CL A Equities 20030N101 1,874 57,118 SH   SOLE   57,118 0 0
COSTCO WHOLESALE Equities 22160K105 1,811 8,667 SH   SOLE   8,667 0 0
COSTCO WHOLESALE Equities 22160K105 8 40 SH   DFND   40 0 0
CVS CAREMARK CORP Equities 126650100 991 15,404 SH   SOLE   15,404 0 0
DISNEY HOLDING COMPANY Equities 254687106 36 350 SH   DFND   350 0 0
DISNEY HOLDING COMPANY Equities 254687106 1,907 18,202 SH   SOLE   18,202 0 0
DREYFUS MUNICIPAL INCOME INC Equities 26201R102 114 14,000 SH   SOLE   14,000 0 0
ELECTRONIC ARTS INC. Equities 285512109 1,983 14,065 SH   SOLE   14,065 0 0
ELECTRONIC ARTS INC. Equities 285512109 14 100 SH   DFND   100 0 0
ELI LILLY & CO. Equities 532457108 85 1,000 SH   SOLE   1,000 0 0
ELI LILLY & CO. Equities 532457108 204 2,400 SH   DFND   2,400 0 0
EMERSON ELEC CO Equities 291011104 221 3,210 SH   SOLE   3,210 0 0
EMERSON ELEC CO Equities 291011104 35 520 SH   DFND   520 0 0
EVEREST RE GROUP LTD Equities G3223R108 4 20 SH   DFND   20 0 0
EVEREST RE GROUP LTD Equities G3223R108 1,459 6,333 SH   SOLE   6,333 0 0
EXPRESS SCRIPTS HLDG CO Equities 30219G108 867 11,240 SH   SOLE   11,240 0 0
EXXON MOBIL CORP. Equities 30231G102 702 8,486 SH   SOLE   8,486 0 0
EXXON MOBIL CORP. Equities 30231G102 191 2,310 SH   DFND   2,310 0 0
FACEBOOK Equities 30303M102 9 50 SH   DFND   50 0 0
FACEBOOK Equities 30303M102 955 4,915 SH   SOLE   4,915 0 0
FISERV INC Equities 337738108 1,082 14,613 SH   SOLE   14,613 0 0
GENERAL DYNAMICS Equities 369550108 770 4,135 SH   SOLE   4,135 0 0
GENERAL MILLS INC Equities 370334104 285 6,460 SH   SOLE   6,460 0 0
HOME DEPOT, INC. Equities 437076102 39 200 SH   DFND   200 0 0
HOME DEPOT, INC. Equities 437076102 3,163 16,213 SH   SOLE   16,213 0 0
HUNTINGTON BANCSHARES INC Equities 446150104 667 45,220 SH   SOLE   45,220 0 0
INTEL CORP Equities 458140100 417 8,400 SH   DFND   8,400 0 0
INTEL CORP Equities 458140100 394 7,936 SH   SOLE   7,936 0 0
INTERNATIONAL BUSINESS MACHINES Equities 459200101 6 50 SH   DFND   50 0 0
INTERNATIONAL BUSINESS MACHINES Equities 459200101 390 2,798 SH   SOLE   2,798 0 0
IQ MERGER ARBITRAGE ETF Equities 45409B800 10,133 329,970 SH   SOLE   329,055 0 915
IQ MERGER ARBITRAGE ETF Equities 45409B800 47 1,550 SH   DFND   1,550 0 0
ISHARES MSCI EM MKTS Equities 464287234 2,811 64,890 SH   SOLE   64,840 0 50
ISHARES MSCI EM MKTS Equities 464287234 11 275 SH   DFND   275 0 0
ISHARES: COHEN & STEERS REIT Equities 464287564 3,663 36,681 SH   SOLE   36,646 0 35
ISHARES: COHEN & STEERS REIT Equities 464287564 19 200 SH   DFND   200 0 0
ISHARES: MSCI EAFE INDEX FUND Equities 464287465 2,513 37,530 SH   SOLE   37,530 0 0
ISHARES: MSCI EAFE SMALL CAP Equities 464288273 27 440 SH   DFND   440 0 0
ISHARES: MSCI EAFE SMALL CAP Equities 464288273 9,374 149,424 SH   SOLE   149,149 0 275
ISHARES: S&P 500 GROWTH INDEX Equities 464287309 308 1,900 SH   SOLE   1,900 0 0
ISHARES: S&P 500 INDEX Equities 464287200 6,218 22,774 SH   SOLE   22,774 0 0
ISHARES: S&P CA MUNI BOND FUND Equities 464288356 152 2,600 SH   DFND   2,600 0 0
ISHARES: S&P CA MUNI BOND FUND Equities 464288356 70 1,200 SH   SOLE   1,200 0 0
ISHARES: S&P MIDCAP 400 GROWTH Equities 464287606 33 150 SH   DFND   150 0 0
ISHARES: S&P MIDCAP 400 GROWTH Equities 464287606 4,506 20,050 SH   SOLE   19,990 0 60
ISHARES: S&P MIDCAP 400 INDEX Equities 464287507 31,360 161,005 SH   SOLE   160,805 0 200
ISHARES: S&P MIDCAP 400 INDEX Equities 464287507 80 415 SH   DFND   415 0 0
ISHARES: S&P SMALLCAP 600 INDEX Equities 464287804 98 1,180 SH   DFND   1,180 0 0
ISHARES: S&P SMALLCAP 600 INDEX Equities 464287804 20,252 242,660 SH   SOLE   242,425 0 235
JOHNSON & JOHNSON Equities 478160104 218 1,800 SH   DFND   1,800 0 0
JOHNSON & JOHNSON Equities 478160104 1,099 9,065 SH   SOLE   9,065 0 0
JP MORGAN CHASE & CO. Equities 46625H100 2,755 26,444 SH   SOLE   26,444 0 0
JP MORGAN CHASE & CO. Equities 46625H100 20 200 SH   DFND   200 0 0
LOWES COMPANIES INC. Equities 548661107 424 4,440 SH   SOLE   4,440 0 0
MCDONALDS CORP Equities 580135101 666 4,252 SH   SOLE   4,252 0 0
MCKESSON HBOC INC. Equities 58155Q103 644 4,833 SH   SOLE   4,833 0 0
MEDTRONIC PLC Equities G5960L103 589 6,891 SH   SOLE   6,891 0 0
MERCK Equities 58933Y105 419 6,906 SH   SOLE   6,906 0 0
MICRON TECHNOLOGY INC Equities 595112103 634 12,093 SH   SOLE   12,093 0 0
MICROSOFT CORP. Equities 594918104 1,642 16,652 SH   SOLE   16,652 0 0
MICROSOFT CORP. Equities 594918104 325 3,300 SH   DFND   3,300 0 0
MYLAN N.V. Equities N59465109 283 7,854 SH   SOLE   7,854 0 0
NEXTERA ENERGY, INC. Equities 65339F101 877 5,254 SH   SOLE   5,254 0 0
NIKE INC. Equities 654106103 675 8,480 SH   SOLE   8,480 0 0
NORTHROP GRUMMAN CORP. Equities 666807102 382 1,244 SH   SOLE   1,244 0 0
ORACLE CORP Equities 68389X105 13 300 SH   DFND   300 0 0
ORACLE CORP Equities 68389X105 724 16,454 SH   SOLE   16,454 0 0
OWENS CORNING Equities 690742101 355 5,605 SH   SOLE   5,605 0 0
PACKAGING CORP OF AMERICA Equities 695156109 664 5,945 SH   SOLE   5,945 0 0
PARKER HANNIFIN CORP Equities 701094104 1,402 8,998 SH   SOLE   8,998 0 0
PAYPAL HOLDINGS Equities 70450Y103 340 4,092 SH   SOLE   4,092 0 0
PEPSICO INC Equities 713448108 730 6,709 SH   SOLE   6,709 0 0
PFIZER INC Equities 717081103 32 900 SH   DFND   900 0 0
PFIZER INC Equities 717081103 227 6,280 SH   SOLE   6,280 0 0
PHILLIPS 66 Equities 718546104 5 50 SH   DFND   50 0 0
PHILLIPS 66 Equities 718546104 1,389 12,372 SH   SOLE   12,372 0 0
PIMCO MUNI INC II Equities 72200W106 457 34,943 SH   SOLE   34,943 0 0
PINNACLE FOODS Equities 72348P104 1,342 20,630 SH   SOLE   20,630 0 0
PINNACLE FOODS Equities 72348P104 6 100 SH   DFND   100 0 0
PPG IND INC Equities 693506107 1,441 13,899 SH   SOLE   13,899 0 0
PROCTER & GAMBLE COMPANY Equities 742718109 270 3,466 SH   SOLE   3,466 0 0
PROCTER & GAMBLE COMPANY Equities 742718109 93 1,200 SH   DFND   1,200 0 0
S&P GLOBAL Equities 78409V104 429 2,105 SH   SOLE   2,105 0 0
SCHLUMBERGER NV Equities 806857108 107 1,600 SH   DFND   1,600 0 0
SCHLUMBERGER NV Equities 806857108 644 9,613 SH   SOLE   9,613 0 0
SPDR BARCLAY'S CAPITAL CONVERTI Equities 78464A359 748 14,120 SH   SOLE   14,120 0 0
SPDR BARCLAY'S CAPITAL CONVERTI Equities 78464A359 37 700 SH   DFND   700 0 0
STRYKER CORP Equities 863667101 1,105 6,546 SH   SOLE   6,546 0 0
STRYKER CORP Equities 863667101 8 50 SH   DFND   50 0 0
SUNTRUST BANKS Equities 867914103 3 50 SH   DFND   50 0 0
SUNTRUST BANKS Equities 867914103 995 15,075 SH   SOLE   15,075 0 0
TRAVELERS COMPANIES INC Equities 89417E109 1,436 11,739 SH   SOLE   11,739 0 0
TRAVELERS COMPANIES INC Equities 89417E109 3 30 SH   DFND   30 0 0
U.S. BANCORP Equities 902973304 204 4,083 SH   SOLE   4,083 0 0
UNILEVER PLC SPON ADR Equities 904767704 533 9,650 SH   SOLE   9,650 0 0
UNITED TECHNOLOGIES CORP Equities 913017109 1,681 13,446 SH   SOLE   13,446 0 0
VANGUARD SHT-TRM INFL-PROT ETF Equities 922020805 268 5,500 SH   SOLE   5,500 0 0
VENTAS INC Equities 92276F100 1,794 31,514 SH   SOLE   31,514 0 0
VERIZON COMMUNICATIONS INC. Equities 92343V104 999 19,866 SH   SOLE   19,866 0 0
VERIZON COMMUNICATIONS INC. Equities 92343V104 67 1,333 SH   DFND   1,333 0 0
VISA INC Equities 92826C839 19 150 SH   DFND   150 0 0
VISA INC Equities 92826C839 3,405 25,715 SH   SOLE   25,715 0 0
VODAFONE GROUP PLC Equities 92857W308 17 715 SH   DFND   715 0 0
VODAFONE GROUP PLC Equities 92857W308 234 9,650 SH   SOLE   9,650 0 0
WAL MART STORES, INC Equities 931142103 706 8,250 SH   SOLE   8,250 0 0
WAL MART STORES, INC Equities 931142103 25 300 SH   DFND   300 0 0
WASTE MANAGEMENT INC. Equities 94106L109 122 1,500 SH   DFND   1,500 0 0
WASTE MANAGEMENT INC. Equities 94106L109 78 970 SH   SOLE   970 0 0
WATERS CORP. Equities 941848103 1,031 5,328 SH   SOLE   5,328 0 0
WEC ENERGY GROUP INC Equities 92939U106 258 4,000 SH   SOLE   4,000 0 0
WILLIAMS-SONOMA INC Equities 969904101 277 4,520 SH   SOLE   4,520 0 0
WISDOMTREE EUROPE HEDGED EQ Equities 97717X701 3,573 56,602 SH   SOLE   56,552 0 50
YUM! BRANDS, INC. Equities 988498101 294 3,765 SH   SOLE   3,765 0 0