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 663 3,443 SH   SOLE 0 3,443 0 0
ABBOTT LABS Equities 002824100 3,361 28,049 SH   SOLE 0 28,049 0 0
ABBVIE INC. Equities 00287Y109 883 8,162 SH   SOLE 0 8,162 0 0
ACCENTURE PLC Equities G1151C101 1,810 6,553 SH   SOLE 0 6,553 0 0
ADOBE SYSTEMS, INC. Equities 00724F101 3,546 7,461 SH   SOLE 0 7,461 0 0
ALBEMARLE CORPORATION Equities 012653101 781 5,350 SH   SOLE 0 5,350 0 0
ALLSTATE CORP Equities 020002101 746 6,500 SH   SOLE 0 6,500 0 0
ALPHABET INC CL A Equities 02079K305 4,240 2,056 SH   SOLE 0 2,056 0 0
ALPHABET INC CL C Equities 02079K107 604 292 SH   SOLE 0 292 0 0
AMAZON.COM INC Equities 023135106 3,295 1,065 SH   SOLE 0 1,065 0 0
AMERICAN EXPRESS CO Equities 025816109 53 375 SH   DFND 0 375 0 0
AMERICAN EXPRESS CO Equities 025816109 2,223 15,721 SH   SOLE 0 15,721 0 0
AMERICAN TOWER CORPORATION Equities 03027X100 256 1,074 SH   SOLE 0 1,074 0 0
AMERICAN WATER WORKS Equities 030420103 1,323 8,831 SH   SOLE 0 8,831 0 0
AMERISOURCEBERGEN Equities 03073E105 368 3,117 SH   SOLE 0 3,117 0 0
ANALOG DEVICES Equities 032654105 2,404 15,507 SH   SOLE 0 15,507 0 0
APPLE COMPUTER INC Equities 037833100 7,665 62,756 SH   SOLE 0 62,756 0 0
AT&T INC Equities 00206R102 433 14,332 SH   SOLE 0 14,332 0 0
AT&T INC Equities 00206R102 16 530 SH   DFND 0 530 0 0
BECTON DICKINSON AND CO Equities 075887109 1,773 7,295 SH   SOLE 0 7,295 0 0
BRISTOL-MYERS SQUIBB Equities 110122108 485 7,687 SH   SOLE 0 7,687 0 0
CATERPILLAR INC. Equities 149123101 320 1,381 SH   SOLE 0 1,381 0 0
CHEVRON CORPORATION Equities 166764100 2,219 21,182 SH   SOLE 0 21,182 0 0
CHEVRON CORPORATION Equities 166764100 26 257 SH   DFND 0 257 0 0
COCA COLA CO Equities 191216100 309 5,881 SH   SOLE 0 5,881 0 0
COLGATE PALMOLIVE CO Equities 194162103 200 2,542 SH   SOLE 0 2,542 0 0
COMCAST CORP CL A Equities 20030N101 2,647 48,934 SH   SOLE 0 48,934 0 0
COMCAST CORP CL A Equities 20030N101 20 378 SH   DFND 0 378 0 0
CONAGRA FOODS INC Equities 205887102 754 20,077 SH   SOLE 0 20,077 0 0
COSTCO WHOLESALE Equities 22160K105 3,774 10,709 SH   SOLE 0 10,709 0 0
CUMMINS Equities 231021106 2,319 8,953 SH   SOLE 0 8,953 0 0
CVS HEALTH CORP Equities 126650100 354 4,708 SH   SOLE 0 4,708 0 0
DANAHER CORP Equities 235851102 2,109 9,374 SH   SOLE 0 9,374 0 0
DEERE & CO Equities 244199105 458 1,225 SH   SOLE 0 1,225 0 0
DOLLAR GENERAL CORP Equities 256677105 1,327 6,550 SH   SOLE 0 6,550 0 0
EBAY INC Equities 278642103 211 3,460 SH   SOLE 0 3,460 0 0
ELECTRONIC ARTS INC. Equities 285512109 1,018 7,523 SH   SOLE 0 7,523 0 0
EMERSON ELEC CO Equities 291011104 234 2,600 SH   SOLE 0 2,600 0 0
EVEREST RE GROUP LTD Equities G3223R108 593 2,393 SH   SOLE 0 2,393 0 0
EVERSOURCE ENERGY Equities 30040W108 102 1,178 SH   SOLE 0 1,178 0 0
EVERSOURCE ENERGY Equities 30040W108 113 1,312 SH   DFND 0 1,312 0 0
EXXON MOBIL CORP. Equities 30231G102 45 820 SH   DFND 0 820 0 0
EXXON MOBIL CORP. Equities 30231G102 362 6,493 SH   SOLE 0 6,493 0 0
FACEBOOK Equities 30303M102 1,771 6,014 SH   SOLE 0 6,014 0 0
FISERV INC Equities 337738108 874 7,347 SH   SOLE 0 7,347 0 0
GENERAL DYNAMICS Equities 369550108 527 2,907 SH   SOLE 0 2,907 0 0
GENERAL MILLS INC Equities 370334104 250 4,080 SH   SOLE 0 4,080 0 0
HOME DEPOT Equities 437076102 4,216 13,813 SH   SOLE 0 13,813 0 0
HONEYWELL INTERNATIONAL INC. Equities 438516106 457 2,107 SH   SOLE 0 2,107 0 0
INTEL CORP Equities 458140100 216 3,382 SH   SOLE 0 3,382 0 0
INTERCONTINENTAL EXCHANGE Equities 45866F104 1,475 13,208 SH   SOLE 0 13,208 0 0
INTERNATIONAL BUSINESS MACHINES Equities 459200101 214 1,610 SH   SOLE 0 1,610 0 0
INTERNATIONAL BUSINESS MACHINES Equities 459200101 133 1,000 SH   DFND 0 1,000 0 0
INTUITIVE SURGICAL INC Equities 46120E602 391 530 SH   SOLE 0 530 0 0
IQ MERGER ARBITRAGE ETF Equities 45409B800 329 10,000 SH   SOLE 0 10,000 0 0
ISHARES MSCI EM MKTS Equities 464287234 10,445 195,829 SH   SOLE 0 195,243 240 236
ISHARES MSCI EM MKTS Equities 464287234 49 924 SH   DFND 0 755 0 169
ISHARES: COHEN & STEERS REIT Equities 464287564 2,540 43,939 SH   SOLE 0 43,939 0 0
ISHARES: MSCI EAFE INDEX FUND Equities 464287465 11 150 SH   DFND 0 50 0 100
ISHARES: MSCI EAFE INDEX FUND Equities 464287465 6,315 83,237 SH   SOLE 0 82,952 100 125
ISHARES: MSCI EAFE SMALL CAP Equities 464288273 8,435 117,416 SH   SOLE 0 117,088 125 138
ISHARES: MSCI EAFE SMALL CAP Equities 464288273 28 402 SH   DFND 0 300 0 102
ISHARES: RUSSELL 1000 GROWTH Equities 464287614 692 2,850 SH   SOLE 0 2,850 0 0
ISHARES: S&P 500 GROWTH INDEX Equities 464287309 12,621 193,849 SH   SOLE 0 192,452 500 619
ISHARES: S&P 500 GROWTH INDEX Equities 464287309 137 2,105 SH   DFND 0 1,625 0 480
ISHARES: S&P 500 INDEX Equities 464287200 286 720 SH   DFND 0 545 0 175
ISHARES: S&P 500 INDEX Equities 464287200 28,116 70,677 SH   SOLE 0 70,092 240 235
ISHARES: S&P 500 VALUE INDEX Equities 464287408 36 260 SH   DFND 0 100 0 160
ISHARES: S&P 500 VALUE INDEX Equities 464287408 10,490 74,273 SH   SOLE 0 73,707 225 241
ISHARES: S&P MID CAP VALUE INDE Equities 464287705 1,761 17,283 SH   SOLE 0 17,201 30 37
ISHARES: S&P MID CAP VALUE INDE Equities 464287705 4 41 SH   DFND 0 15 0 26
ISHARES: S&P MIDCAP 400 INDEX Equities 464287507 104 402 SH   DFND 0 317 0 85
ISHARES: S&P MIDCAP 400 INDEX Equities 464287507 37,823 145,320 SH   SOLE 0 145,145 0 120
ISHARES: S&P MIDCAP GROWTH Equities 464287606 3,839 48,994 SH   SOLE 0 48,754 240 0
ISHARES: S&P SMALL CAP GROWTH Equities 464287887 1,504 11,736 SH   SOLE 0 11,687 0 35
ISHARES: S&P SMALL CAP GROWTH Equities 464287887 6 48 SH   DFND 0 10 0 38
ISHARES: S&P SMALLCAP 600 INDEX Equities 464287804 75 699 SH   DFND 0 599 0 100
ISHARES: S&P SMALLCAP 600 INDEX Equities 464287804 21,786 200,746 SH   SOLE 0 200,406 100 172
JOHNSON & JOHNSON Equities 478160104 9 55 SH   DFND 0 55 0 0
JOHNSON & JOHNSON Equities 478160104 941 5,727 SH   SOLE 0 5,727 0 0
JP MORGAN CHASE & CO. Equities 46625H100 3,531 23,199 SH   SOLE 0 23,199 0 0
JP MORGAN CHASE & CO. Equities 46625H100 175 1,151 SH   DFND 0 1,151 0 0
KIMBERLY-CLARK CORP Equities 494368103 226 1,627 SH   SOLE 0 1,627 0 0
KINDER MORGAN INC Equities 49456B101 240 14,437 SH   SOLE 0 14,437 0 0
KLA CORP Equities 482480100 2,094 6,339 SH   SOLE 0 6,339 0 0
LAM RESEARCH CORP Equities 512807108 1,703 2,862 SH   SOLE 0 2,862 0 0
LENNAR CORP Equities 526057104 475 4,695 SH   SOLE 0 4,695 0 0
LOWES COMPANIES INC. Equities 548661107 540 2,840 SH   SOLE 0 2,840 0 0
MCDONALDS CORP Equities 580135101 481 2,146 SH   SOLE 0 2,146 0 0
MCKESSON HBOC INC. Equities 58155Q103 516 2,650 SH   SOLE 0 2,650 0 0
MEDTRONIC PLC Equities G5960L103 1,054 8,929 SH   SOLE 0 8,929 0 0
MERCK Equities 58933Y105 274 3,562 SH   SOLE 0 3,562 0 0
MICRON TECHNOLOGY INC Equities 595112103 1,758 19,939 SH   SOLE 0 19,939 0 0
MICROSOFT CORP. Equities 594918104 5,513 23,384 SH   SOLE 0 23,384 0 0
MONSTER BEVERAGE.COM Equities 61174X109 762 8,374 SH   SOLE 0 8,374 0 0
MORNINGSTAR INC Equities 617700109 1,490 6,625 SH   SOLE 0 6,625 0 0
NEXTERA ENERGY, INC. Equities 65339F101 2,100 27,782 SH   SOLE 0 27,782 0 0
NIKE INC. Equities 654106103 997 7,507 SH   SOLE 0 7,507 0 0
NORTHROP GRUMMAN Equities 666807102 476 1,472 SH   SOLE 0 1,472 0 0
ORACLE CORP Equities 68389X105 633 9,032 SH   SOLE 0 9,032 0 0
PACKAGING CORP OF AMERICA Equities 695156109 367 2,735 SH   SOLE 0 2,735 0 0
PARKER HANNIFIN CORP Equities 701094104 2,870 9,100 SH   SOLE 0 9,100 0 0
PAYPAL HOLDINGS Equities 70450Y103 828 3,411 SH   SOLE 0 3,411 0 0
PEPSICO INC Equities 713448108 546 3,862 SH   SOLE 0 3,862 0 0
PHILLIPS 66 Equities 718546104 224 2,755 SH   SOLE 0 2,755 0 0
PIMCO 1-5 YEAR US TIPS INDEX ET Equities 72201R205 329 6,000 SH   SOLE 0 6,000 0 0
PPG IND INC Equities 693506107 1,267 8,434 SH   SOLE 0 8,434 0 0
PROCTER & GAMBLE COMPANY Equities 742718109 252 1,865 SH   SOLE 0 1,865 0 0
PROGRESSIVE CORP Equities 743315103 1,210 12,656 SH   SOLE 0 12,656 0 0
QUALCOMM INC. Equities 747525103 2,160 16,292 SH   SOLE 0 16,292 0 0
S&P GLOBAL Equities 78409V104 405 1,150 SH   SOLE 0 1,150 0 0
SKYWORKS SOLUTIONS INC Equities 83088M102 2,452 13,365 SH   SOLE 0 13,365 0 0
SOUTHERN CO Equities 842587107 563 9,063 SH   SOLE 0 9,063 0 0
SPDR BARCLAY'S CONVERTIBLE Equities 78464A359 1,096 13,155 SH   SOLE 0 13,155 0 0
SPDR GOLD TRUST Equities 78463V107 425 2,659 SH   SOLE 0 2,659 0 0
STANDARD & POORS DEP. RECEIPTS Equities 78462F103 317 800 SH   SOLE 0 800 0 0
STRYKER CORP Equities 863667101 1,891 7,766 SH   SOLE 0 7,766 0 0
T.ROWE PRICE GROUP INC Equities 74144T108 211 1,230 SH   SOLE 0 1,230 0 0
TAIWAN SEMICONDUCTOR ADR Equities 874039100 453 3,833 SH   SOLE 0 3,833 0 0
THERMO FISHER SCIENTIFIC CORP Equities 883556102 502 1,100 SH   SOLE 0 1,100 0 0
TRAVELERS COMPANIES INC Equities 89417E109 654 4,351 SH   SOLE 0 4,351 0 0
TRAVELERS COMPANIES INC Equities 89417E109 0 2 SH   DFND 0 2 0 0
UNION PAC CORP Equities 907818108 88 400 SH   DFND 0 400 0 0
UNION PAC CORP Equities 907818108 292 1,326 SH   SOLE 0 1,326 0 0
UNITED HEALTH GROUP Equities 91324P102 545 1,467 SH   SOLE 0 1,467 0 0
UNIVERSAL DISPLAY CORP Equities 91347P105 223 946 SH   SOLE 0 946 0 0
VANGUARD INDEX FDS GROWTH ETF Equities 922908736 424 1,650 SH   SOLE 0 1,650 0 0
VANGUARD INTERM-TERM BOND ETF Equities 921937819 23,825 268,514 SH   SOLE 0 267,053 700 608
VANGUARD INTERM-TERM BOND ETF Equities 921937819 179 2,018 SH   DFND 0 1,768 0 250
VANGUARD SHT-TRM INFL-PROT ETF Equities 922020805 463 9,000 SH   SOLE 0 9,000 0 0
VERIZON COMMUNICATIONS Equities 92343V104 1,273 21,896 SH   SOLE 0 21,896 0 0
VERIZON COMMUNICATIONS Equities 92343V104 24 425 SH   DFND 0 425 0 0
VISA INC Equities 92826C839 3,583 16,926 SH   SOLE 0 16,926 0 0
WAL MART STORES, INC Equities 931142103 2,145 15,795 SH   SOLE 0 15,795 0 0
WALT DISNEY COMPANY Equities 254687106 2,600 14,096 SH   SOLE 0 14,096 0 0
WASTE MANAGEMENT INC. Equities 94106L109 383 2,973 SH   SOLE 0 2,973 0 0
WATERS CORP. Equities 941848103 1,461 5,143 SH   SOLE 0 5,143 0 0
WEC ENERGY GROUP INC Equities 92939U106 341 3,650 SH   SOLE 0 3,650 0 0
WEC ENERGY GROUP INC Equities 92939U106 26 282 SH   DFND 0 282 0 0
WELLS FARGO & CO. Equities 949746101 1,856 47,510 SH   SOLE 0 47,510 0 0
WILLIAMS-SONOMA INC Equities 969904101 1,988 11,096 SH   SOLE 0 11,096 0 0