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 668 4,715 SH   SOLE   4,715 0 0
ABB LTD SPONSORED ADR 000375204 350 19,780 SH   SOLE   19,780 0 0
ABBVIE INC COM 00287Y109 294 5,400 SH   DFND   5,400 0 0
ABBVIE INC COM 00287Y109 1,728 31,750 SH   SOLE   31,750 0 0
ACE LTD SHS H0023R105 724 7,000 SH   DFND   7,000 0 0
ACE LTD SHS H0023R105 3,275 31,669 SH   SOLE   31,668 0 0
AKAMAI TECHNOLOGIES INC COM 00971T101 428 6,200 SH   DFND   6,200 0 0
AKAMAI TECHNOLOGIES INC COM 00971T101 3,284 47,555 SH   SOLE   47,555 0 0
ALTRIA GROUP INC COM 02209S103 917 16,860 SH   SOLE   16,860 0 0
AMAZON COM INC COM 023135106 607 1,185 SH   SOLE   1,185 0 0
AMERICAN EXPRESS CO COM 025816109 607 8,194 SH   SOLE   8,193 0 0
AMERICAN INTL GROUP INC COM NEW 026874784 591 10,400 SH   DFND   10,400 0 0
AMERICAN INTL GROUP INC COM NEW 026874784 2,795 49,190 SH   SOLE   49,190 0 0
AMERICAN TOWER CORP NEW COM 03027X100 273 3,100 SH   SOLE   3,100 0 0
AMERISOURCEBERGEN CORP COM 03073E105 257 2,709 SH   SOLE   2,709 0 0
AMGEN INC COM 031162100 3,515 25,409 SH   SOLE   25,408 0 0
APPLE INC COM 037833100 733 6,650 SH   DFND   6,650 0 0
APPLE INC COM 037833100 6,590 59,744 SH   SOLE   59,744 0 0
ARES CAP CORP COM 04010L103 161 11,110 SH   SOLE   11,110 0 0
ARTESIAN RESOURCES CORP CL A 043113208 754 31,255 SH   SOLE   31,255 0 0
AT&T INC COM 00206R102 1,468 45,053 SH   SOLE   45,052 0 0
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101 150 17,979 SH   DFND   17,979 0 0
BANCO SANTANDER SA ADR 05964H105 218 41,216 SH   DFND   41,215 0 0
BANCO SANTANDER SA ADR 05964H105 314 59,453 SH   SOLE   59,453 0 0
BANK MONTREAL QUE COM 063671101 679 12,450 SH   SOLE   12,450 0 0
BANK AMER CORP COM 060505104 206 13,192 SH   SOLE   13,192 0 0
BARCLAYS PLC ADR 06738E204 667 45,105 SH   SOLE   45,105 0 0
BAXALTA INC COM 07177M103 262 8,329 SH   SOLE   8,329 0 0
BAXTER INTL INC COM 071813109 338 10,300 SH   DFND   10,300 0 0
BAXTER INTL INC COM 071813109 2,651 80,714 SH   SOLE   80,714 0 0
BHP BILLITON LTD SPONSORED ADR 088606108 332 10,500 SH   DFND   10,500 0 0
BP PLC SPONSORED ADR 055622104 326 10,679 SH   SOLE   10,679 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 1,752 29,589 SH   SOLE   29,588 0 0
BROADSOFT INC COM 11133B409 364 12,143 SH   SOLE   12,143 0 0
BROOKLINE BANCORP INC DEL COM 11373M107 399 39,300 SH   SOLE   39,300 0 0
BROOKLINE BANCORP INC DEL COM 11373M107 740 73,000 SH   DFND   73,000 0 0
BUCKEYE PARTNERS L P UNIT LTD PARTN 118230101 272 4,582 SH   SOLE   4,582 0 0
CAMERON INTERNATIONAL CORP COM 13342B105 445 7,250 SH   DFND   7,250 0 0
CAMERON INTERNATIONAL CORP COM 13342B105 3,036 49,515 SH   SOLE   49,515 0 0
CATERPILLAR INC DEL COM 149123101 503 7,700 SH   DFND   7,700 0 0
CATERPILLAR INC DEL COM 149123101 1,404 21,475 SH   SOLE   21,475 0 0
CELGENE CORP COM 151020104 346 3,200 SH   DFND   3,200 0 0
CELGENE CORP COM 151020104 2,523 23,325 SH   SOLE   23,325 0 0
CHEVRON CORP NEW COM 166764100 1,299 16,465 SH   DFND   16,465 0 0
CHEVRON CORP NEW COM 166764100 3,032 38,440 SH   SOLE   38,439 0 0
CHUBB CORP COM 171232101 744 6,070 SH   SOLE   6,070 0 0
CHURCH & DWIGHT INC COM 171340102 2,211 26,350 SH   SOLE   26,350 0 0
CIGNA CORPORATION COM 125509109 717 5,312 SH   SOLE   5,312 0 0
CISCO SYS INC COM 17275R102 410 15,610 SH   SOLE   15,609 0 0
COCA COLA CO COM 191216100 1,322 32,946 SH   SOLE   32,946 0 0
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 232 3,700 SH   SOLE   3,700 0 0
COLGATE PALMOLIVE CO COM 194162103 762 12,000 SH   DFND   12,000 0 0
COLGATE PALMOLIVE CO COM 194162103 2,386 37,600 SH   SOLE   37,599 0 0
CONOCOPHILLIPS COM 20825C104 446 9,296 SH   SOLE   9,296 0 0
CONSOLIDATED EDISON INC COM 209115104 339 5,075 SH   SOLE   5,075 0 0
COSTCO WHSL CORP NEW COM 22160K105 634 4,385 SH   SOLE   4,384 0 0
CVS HEALTH CORP COM 126650100 2,311 23,958 SH   SOLE   23,958 0 0
DEERE & CO COM 244199105 592 8,000 SH   DFND   8,000 0 0
DISNEY WALT CO COM DISNEY 254687106 2,792 27,315 SH   SOLE   27,315 0 0
DNP SELECT INCOME FD COM 23325P104 111 12,375 SH   SOLE   12,375 0 0
DOMINION RES INC VA NEW COM 25746U109 223 3,168 SH   SOLE   3,168 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 2,248 31,246 SH   SOLE   31,246 0 0
DU PONT E I DE NEMOURS & CO COM 263534109 418 8,669 SH   SOLE   8,669 0 0
E M C CORP MASS COM 268648102 531 21,980 SH   SOLE   21,980 0 0
EATON VANCE CORP COM NON VTG 278265103 826 24,703 SH   SOLE   24,703 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 453 3,186 SH   SOLE   3,186 0 0
EMERSON ELEC CO COM 291011104 314 7,100 SH   DFND   7,100 0 0
EMERSON ELEC CO COM 291011104 903 20,448 SH   SOLE   20,448 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 319 12,824 SH   SOLE   12,824 0 0
EOG RES INC COM 26875P101 492 6,760 SH   DFND   6,760 0 0
EOG RES INC COM 26875P101 1,853 25,450 SH   SOLE   25,450 0 0
EXPRESS SCRIPTS HLDG CO COM 30219G108 546 6,743 SH   SOLE   6,743 0 0
EXXON MOBIL CORP COM 30231G102 834 11,212 SH   DFND   11,212 0 0
EXXON MOBIL CORP COM 30231G102 8,508 114,436 SH   SOLE   114,435 0 0
FIREEYE INC COM 31816Q101 223 7,000 SH   DFND   7,000 0 0
FIREEYE INC COM 31816Q101 357 11,205 SH   SOLE   11,205 0 0
FORD MTR CO DEL COM PAR $0.01 345370860 413 30,410 SH   SOLE   30,410 0 0
FORD MTR CO DEL COM PAR $0.01 345370860 478 35,200 SH   DFND   35,200 0 0
FOUNDATION MEDICINE INC COM 350465100 229 12,400 SH   SOLE   12,400 0 0
FRONTIER COMMUNICATIONS CORP COM 35906A108 72 15,127 SH   SOLE   15,127 0 0
GENERAL ELECTRIC CO COM 369604103 5,052 200,334 SH   SOLE   200,334 0 0
GENERAL MLS INC COM 370334104 606 10,791 SH   SOLE   10,791 0 0
GEORGETOWN BANCORP INC MD COM 372591107 198 11,131 SH   SOLE   11,131 0 0
GILEAD SCIENCES INC COM 375558103 368 3,750 SH   DFND   3,750 0 0
GILEAD SCIENCES INC COM 375558103 2,839 28,915 SH   SOLE   28,915 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 973 25,305 SH   SOLE   25,305 0 0
GOOGLE INC CL C 38259P706 696 1,144 SH   SOLE   1,144 0 0
GOOGLE INC CL A 38259P508 3,157 4,945 SH   SOLE   4,945 0 0
GROUP 1 AUTOMOTIVE INC COM 398905109 725 8,515 SH   SOLE   8,515 0 0
HARTFORD FINL SVCS GROUP INC COM 416515104 385 8,420 SH   SOLE   8,420 0 0
HARTFORD FINL SVCS GROUP INC COM 416515104 494 10,800 SH   DFND   10,800 0 0
HERSHEY CO COM 427866108 948 10,320 SH   SOLE   10,320 0 0
HOME DEPOT INC COM 437076102 851 7,373 SH   SOLE   7,372 0 0
HONEYWELL INTL INC COM 438516106 2,718 28,707 SH   SOLE   28,707 0 0
HORACE MANN EDUCATORS CORP N COM 440327104 515 15,500 SH   DFND   15,500 0 0
HORACE MANN EDUCATORS CORP N COM 440327104 3,277 98,646 SH   SOLE   98,646 0 0
HSBC HLDGS PLC SPON ADR NEW 404280406 356 9,406 SH   SOLE   9,406 0 0
ILLINOIS TOOL WKS INC COM 452308109 210 2,555 SH   SOLE   2,555 0 0
INTEL CORP COM 458140100 862 28,600 SH   DFND   28,600 0 0
INTEL CORP COM 458140100 4,691 155,641 SH   SOLE   155,640 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 1,326 9,145 SH   SOLE   9,145 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 271 590 SH   SOLE   590 0 0
ISHARES TR CORE S&P MCP ETF 464287507 249 1,821 SH   SOLE   1,821 0 0
ISHARES TR MSCI EAFE ETF 464287465 1,055 18,409 SH   SOLE   18,409 0 0
ISHARES TR CORE S&P500 ETF 464287200 411 2,135 SH   SOLE   2,135 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 3,865 33,937 SH   SOLE   33,937 0 0
JOHNSON & JOHNSON COM 478160104 5,821 62,352 SH   SOLE   62,351 0 0
JPMORGAN CHASE & CO COM 46625H100 1,674 27,463 SH   SOLE   27,463 0 0
KINDER MORGAN INC DEL COM 49456B101 299 10,815 SH   SOLE   10,815 0 0
KONINKLIJKE PHILIPS N V NY REG SH NEW 500472303 339 14,453 SH   DFND   14,453 0 0
LILLY ELI & CO COM 532457108 883 10,555 SH   SOLE   10,555 0 0
MARATHON PETE CORP COM 56585A102 277 5,988 SH   SOLE   5,988 0 0
MARRIOTT INTL INC NEW CL A 571903202 226 3,310 SH   SOLE   3,310 0 0
MCCORMICK & CO INC COM NON VTG 579780206 1,072 13,050 SH   DFND   13,050 0 0
MCCORMICK & CO INC COM NON VTG 579780206 3,185 38,754 SH   SOLE   38,753 0 0
MCDONALDS CORP COM 580135101 1,111 11,273 SH   SOLE   11,272 0 0
MERCK & CO INC NEW COM 58933Y105 2,263 45,811 SH   SOLE   45,811 0 0
MICRON TECHNOLOGY INC COM 595112103 271 18,075 SH   SOLE   18,075 0 0
MICROSOFT CORP COM 594918104 894 20,200 SH   DFND   20,200 0 0
MICROSOFT CORP COM 594918104 5,167 116,748 SH   SOLE   116,747 0 0
MOLSON COORS BREWING CO CL B 60871R209 291 3,500 SH   SOLE   3,500 0 0
NEW YORK CMNTY BANCORP INC COM 649445103 183 10,150 SH   SOLE   10,150 0 0
NIKE INC CL B 654106103 2,814 22,880 SH   SOLE   22,880 0 0
NORDSTROM INC COM 655664100 2,051 28,606 SH   SOLE   28,605 0 0
NORTHROP GRUMMAN CORP COM 666807102 946 5,700 SH   SOLE   5,700 0 0
NOVARTIS A G SPONSORED ADR 66987V109 1,020 11,100 SH   DFND   11,100 0 0
NOVARTIS A G SPONSORED ADR 66987V109 4,201 45,705 SH   SOLE   45,705 0 0
O REILLY AUTOMOTIVE INC NEW COM 67103H107 425 1,700 SH   SOLE   1,700 0 0
OCCIDENTAL PETE CORP DEL COM 674599105 385 5,825 SH   SOLE   5,825 0 0
ORACLE CORP COM 68389X105 823 22,781 SH   SOLE   22,781 0 0
PEPSICO INC COM 713448108 788 8,354 SH   DFND   8,354 0 0
PEPSICO INC COM 713448108 1,606 17,027 SH   SOLE   17,026 0 0
PERKINELMER INC COM 714046109 294 6,400 SH   SOLE   6,400 0 0
PFIZER INC COM 717081103 937 29,829 SH   SOLE   29,829 0 0
PHILLIPS 66 COM 718546104 300 3,910 SH   SOLE   3,910 0 0
POTASH CORP SASK INC COM 73755L107 207 10,080 SH   SOLE   10,080 0 0
POWERSHARES QQQ TRUST UNIT SER 1 73935A104 381 3,743 SH   SOLE   3,743 0 0
PRICE T ROWE GROUP INC COM 74144T108 834 12,000 SH   DFND   12,000 0 0
PRICE T ROWE GROUP INC COM 74144T108 1,893 27,241 SH   SOLE   27,240 0 0
PROCTER & GAMBLE CO COM 742718109 512 7,112 SH   DFND   7,112 0 0
PROCTER & GAMBLE CO COM 742718109 3,344 46,490 SH   SOLE   46,490 0 0
RAYTHEON CO COM NEW 755111507 448 4,100 SH   DFND   4,100 0 0
RAYTHEON CO COM NEW 755111507 2,628 24,056 SH   SOLE   24,056 0 0
REGENERON PHARMACEUTICALS COM 75886F107 256 550 SH   SOLE   550 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 688 14,521 SH   DFND   14,520 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 2,655 56,018 SH   SOLE   56,018 0 0
SCHLUMBERGER LTD COM 806857108 617 8,950 SH   DFND   8,950 0 0
SCHLUMBERGER LTD COM 806857108 4,264 61,830 SH   SOLE   61,829 0 0
SIMON PPTY GROUP INC NEW COM 828806109 247 1,347 SH   SOLE   1,347 0 0
SOUTHERN CO COM 842587107 915 20,459 SH   SOLE   20,459 0 0
STANLEY BLACK & DECKER INC COM 854502101 497 5,124 SH   SOLE   5,124 0 0
STARBUCKS CORP COM 855244109 936 16,470 SH   SOLE   16,470 0 0
STERIS CORP COM 859152100 208 3,200 SH   SOLE   3,200 0 0
STRYKER CORP COM 863667101 291 3,092 SH   SOLE   3,092 0 0
TARGET CORP COM 87612E106 228 2,900 SH   SOLE   2,900 0 0
TECO ENERGY INC COM 872375100 391 14,900 SH   SOLE   14,900 0 0
TEXAS PAC LD TR SUB CTF PROP I T 882610108 273 1,950 SH   SOLE   1,950 0 0
TIFFANY & CO NEW COM 886547108 315 4,074 SH   SOLE   4,074 0 0
TJX COS INC NEW COM 872540109 417 5,836 SH   SOLE   5,836 0 0
TOTAL S A SPONSORED ADR 89151E109 3,171 70,913 SH   SOLE   70,913 0 0
TREMOR VIDEO INC COM 89484Q100 22 12,000 SH   SOLE   12,000 0 0
UNION PAC CORP COM 907818108 796 9,000 SH   DFND   9,000 0 0
UNION PAC CORP COM 907818108 3,554 40,204 SH   SOLE   40,203 0 0
UNITED TECHNOLOGIES CORP COM 913017109 783 8,800 SH   DFND   8,800 0 0
UNITED TECHNOLOGIES CORP COM 913017109 2,654 29,820 SH   SOLE   29,820 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,203 27,638 SH   SOLE   27,638 0 0
VISA INC COM CL A 92826C839 589 8,450 SH   DFND   8,450 0 0
VISA INC COM CL A 92826C839 2,498 35,855 SH   SOLE   35,855 0 0
WELLS FARGO & CO NEW COM 949746101 2,580 50,236 SH   SOLE   50,236 0 0
WHIRLPOOL CORP COM 963320106 527 3,580 SH   SOLE   3,580 0 0
YAHOO INC COM 984332106 1,771 61,265 SH   SOLE   61,265 0 0
YUM BRANDS INC COM 988498101 256 3,198 SH   SOLE   3,197 0 0