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 1,019 7,115 SH   SOLE   0 0 7,115
3M CO COM 88579Y101 107 750 SH   DFND   0 0 750
ABBOTT LABS COM 002824100 809 19,769 SH   SOLE   0 0 19,769
ABBOTT LABS COM 002824100 128 3,121 SH   DFND   0 0 3,121
ABBVIE INC COM 00287Y109 76 1,350 SH   SOLE   0 0 1,350
ABBVIE INC COM 00287Y109 236 4,175 SH   DFND   0 0 4,175
AETNA INC NEW COM 00817Y108 207 2,553 SH   DFND   0 0 2,553
AFLAC INC COM 001055102 308 4,945 SH   DFND   0 0 4,945
AIR PRODS & CHEMS INC COM 009158106 372 2,890 SH   DFND   0 0 2,890
AMERICAN EXPRESS CO COM 025816109 794 8,366 SH   SOLE   0 0 8,366
AMERICAN EXPRESS CO COM 025816109 161 1,700 SH   DFND   0 0 1,700
AMERICAN WTR WKS CO INC NEW COM 030420103 214 4,321 SH   DFND   0 0 4,321
AMGEN INC COM 031162100 88 750 SH   SOLE   0 0 750
AMGEN INC COM 031162100 372 3,140 SH   DFND   0 0 3,140
APPLE INC COM 037833100 826 8,888 SH   SOLE   0 0 8,888
APPLE INC COM 037833100 1,045 11,250 SH   DFND   0 0 11,250
AT&T INC COM 00206R102 1,136 32,121 SH   SOLE   0 0 32,121
AT&T INC COM 00206R102 443 12,540 SH   DFND   0 0 12,540
BAXTER INTL INC COM 071813109 509 7,040 SH   DFND   0 0 7,040
BECTON DICKINSON & CO COM 075887109 392 3,315 SH   DFND   0 0 3,315
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 63 500 SH   SOLE   0 0 500
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 386 3,050 SH   DFND   0 0 3,050
BOEING CO COM 097023105 277 2,177 SH   DFND   0 0 2,177
BRISTOL MYERS SQUIBB CO COM 110122108 517 10,648 SH   DFND   0 0 10,648
BUCKEYE PARTNERS LP UNIT LTD PARTN 118230101 371 4,465 SH   DFND   0 0 4,465
CATERPILLAR INC DEL COM 149123101 816 7,509 SH   SOLE   0 0 7,509
CATERPILLAR INC DEL COM 149123101 211 1,940 SH   DFND   0 0 1,940
CHEVRON CORP NEW COM 166764100 261 2,000 SH   SOLE   0 0 2,000
CHEVRON CORP NEW COM 166764100 206 1,576 SH   DFND   0 0 1,576
COCA COLA CO COM 191216100 1,199 28,314 SH   SOLE   0 0 28,314
COCA COLA CO COM 191216100 14 336 SH   DFND   0 0 336
COCA COLA ENTERPRISES INC NE COM 19122T109 360 7,530 SH   DFND   0 0 7,530
COLGATE PALMOLIVE CO COM 194162103 1,023 15,009 SH   SOLE   0 0 15,009
COLGATE PALMOLIVE CO COM 194162103 256 3,755 SH   DFND   0 0 3,755
CONOCOPHILLIPS COM 20825C104 545 6,360 SH   DFND   0 0 6,360
CUMMINS INC COM 231021106 220 1,425 SH   DFND   0 0 1,425
CVS CAREMARK CORP COM 126650100 722 9,579 SH   DFND   0 0 9,579
DEERE & CO COM 244199105 713 7,873 SH   SOLE   0 0 7,873
DEERE & CO COM 244199105 21 230 SH   DFND   0 0 230
DISNEY WALT CO COM DISNEY 254687106 828 9,655 SH   SOLE   0 0 9,655
DISNEY WALT CO COM DISNEY 254687106 536 6,256 SH   DFND   0 0 6,256
DOVER CORP COM 260003108 336 3,690 SH   DFND   0 0 3,690
DU PONT E I DE NEMOURS & CO COM 263534109 982 15,000 SH   SOLE   0 0 15,000
EMERSON ELEC CO COM 291011104 705 10,630 SH   SOLE   0 0 10,630
EMERSON ELEC CO COM 291011104 484 7,288 SH   DFND   0 0 7,288
EOG RES INC COM 26875P101 399 3,411 SH   DFND   0 0 3,411
EXXON MOBIL CORP COM 30231G102 1,148 11,403 SH   SOLE   0 0 11,403
EXXON MOBIL CORP COM 30231G102 869 8,634 SH   DFND   0 0 8,634
GILEAD SCIENCES INC COM 375558103 474 5,712 SH   DFND   0 0 5,712
GOOGLE INC CL A 38259P508 202 345 SH   DFND   0 0 345
GOOGLE INC CL C 38259P706 305 530 SH   DFND   0 0 530
HOME DEPOT INC COM 437076102 283 3,500 SH   SOLE   0 0 3,500
HOME DEPOT INC COM 437076102 36 450 SH   DFND   0 0 450
INTERNATIONAL BUSINESS MACHS COM 459200101 1,048 5,780 SH   SOLE   0 0 5,780
INTERNATIONAL BUSINESS MACHS COM 459200101 240 1,325 SH   DFND   0 0 1,325
ISHARES MSCI CDA ETF 464286509 1,195 37,110 SH   DFND   37,110 0 0
ISHARES RUS 1000 VAL ETF 464287598 3,720 36,729 SH   DFND   0 0 36,729
ISHARES RUS 1000 GRW ETF 464287614 2,743 30,165 SH   DFND   0 0 30,165
ISHARES RUS 2000 VAL ETF 464287630 601 5,825 SH   DFND   0 0 5,825
ISHARES EAFE GRWTH ETF 464288885 457 6,305 SH   DFND   0 0 6,305
ISHARES TR EAFE MIN VOL ETF 46429B689 1,307 19,985 SH   DFND   19,985 0 0
ISHARES TR USA MIN VOL ETF 46429B697 5,077 136,411 SH   DFND   0 0 136,411
JOHNSON & JOHNSON COM 478160104 1,189 11,361 SH   SOLE   0 0 11,361
JOHNSON & JOHNSON COM 478160104 1,129 10,791 SH   DFND   0 0 10,791
JPMORGAN CHASE & CO ALERIAN ML ETN 46625H365 825 15,755 SH   DFND   0 0 15,755
KIMBERLY CLARK CORP COM 494368103 901 8,101 SH   DFND   0 0 8,101
LOWES COS INC COM 548661107 48 1,000 SH   SOLE   0 0 1,000
LOWES COS INC COM 548661107 189 3,940 SH   DFND   0 0 3,940
MASTERCARD INC CL A 57636Q104 264 3,600 SH   DFND   0 0 3,600
MCDONALDS CORP COM 580135101 692 6,871 SH   SOLE   0 0 6,871
MCDONALDS CORP COM 580135101 307 3,046 SH   DFND   0 0 3,046
MEDTRONIC INC COM 585055106 830 13,012 SH   SOLE   0 0 13,012
MERCK & CO INC NEW COM 58933Y105 33 576 SH   SOLE   0 0 576
MERCK & CO INC NEW COM 58933Y105 388 6,699 SH   DFND   0 0 6,699
MICROSOFT CORP COM 594918104 922 22,112 SH   SOLE   0 0 22,112
MICROSOFT CORP COM 594918104 289 6,936 SH   DFND   0 0 6,936
NESTLE SA -ADR ADR 641069406 596 7,675 SH   DFND   0 0 7,675
NIKE INC COM 654106103 428 5,525 SH   DFND   0 0 5,525
NORTHERN TRUST CORP COM 665859104 523 8,139 SH   DFND   0 0 8,139
NOVARTIS A G SPONSORED ADR 66987V109 365 8,616 SH   SOLE   0 0 8,616
ORACLE CORP COM 68389X105 579 14,295 SH   DFND   0 0 14,295
PEPSICO INC COM 713448108 223 2,500 SH   SOLE   0 0 2,500
PEPSICO INC COM 713448108 295 3,300 SH   DFND   0 0 3,300
POWERSHARES QQQ TRUST UNIT SER 1 73935A104 1,328 10,000 SH   SOLE   0 0 10,000
PRECISION CASTPARTS CORP COM 740189105 391 1,550 SH   DFND   0 0 1,550
PRICE T ROWE GROUP INC COM 74144T108 460 5,455 SH   DFND   0 0 5,455
PROCTER & GAMBLE CO COM 742718109 934 11,890 SH   SOLE   0 0 11,890
PROCTER & GAMBLE CO COM 742718109 705 8,970 SH   DFND   0 0 8,970
PRUDENTIAL FINANCIAL INC COM 744320102 354 3,990 SH   DFND   0 0 3,990
QUALCOMM INC COM 747525103 79 1,000 SH   SOLE   0 0 1,000
QUALCOMM INC COM 747525103 504 6,360 SH   DFND   0 0 6,360
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 43 525 SH   DFND   0 0 525
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 797 9,678 SH   SOLE   0 0 9,678
SCHLUMBERGER LTD COM 806857108 1,004 8,515 SH   SOLE   0 0 8,515
SCHLUMBERGER LTD COM 806857108 823 6,975 SH   DFND   0 0 6,975
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 227 10,000 SH   SOLE   0 0 10,000
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 336 2,000 SH   SOLE   0 0 2,000
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,325 11,877 SH   SOLE   0 0 11,877
SPDR SERIES TRUST S&P DIVID ETF 78464A763 1,595 20,828 SH   DFND   0 0 20,828
STARBUCKS CORP COM 855244109 222 2,874 SH   DFND   0 0 2,874
THERMO FISHER SCIENTIFIC INC COM 883556102 211 1,788 SH   DFND   0 0 1,788
TRAVELERS COMPANIES INC COM 89417E109 668 7,096 SH   DFND   0 0 7,096
UNILEVER PLC SPON ADR NEW 904767704 738 16,297 SH   SOLE   0 0 16,297
UNION PAC CORP COM 907818108 403 4,044 SH   DFND   0 0 4,044
UNITED TECHNOLOGIES CORP COM 913017109 783 6,778 SH   SOLE   0 0 6,778
UNITED TECHNOLOGIES CORP COM 913017109 42 363 SH   DFND   0 0 363
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 1,515 18,431 SH   DFND   0 0 18,431
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 700 6,300 SH   DFND   0 0 6,300
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 7,933 101,769 SH   DFND   0 0 101,769
VERIZON COMMUNICATIONS INC COM 92343V104 147 3,000 SH   SOLE   0 0 3,000
VERIZON COMMUNICATIONS INC COM 92343V104 201 4,102 SH   DFND   0 0 4,102
WAL-MART STORES INC COM 931142103 749 9,981 SH   SOLE   0 0 9,981
WASHINGTON TR BANCORP COM 940610108 3,346 91,000 SH   SOLE   0 0 91,000
WELLS FARGO & CO NEW COM 949746101 158 3,000 SH   SOLE   0 0 3,000
WELLS FARGO & CO NEW COM 949746101 180 3,416 SH   DFND   0 0 3,416
WILLIAMS COS INC DEL COM 969457100 64 1,100 SH   SOLE   0 0 1,100
WILLIAMS COS INC DEL COM 969457100 183 3,140 SH   DFND   0 0 3,140
WISDOMTREE TR DEFA FD 97717W703 200 3,575 SH   DFND   0 0 3,575