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 183 1,290 SH   DFND   0 0 1,290
3M CO COM 88579Y101 985 6,950 SH   SOLE   0 0 6,950
ABBOTT LABS COM 002824100 130 3,121 SH   DFND   0 0 3,121
ABBOTT LABS COM 002824100 811 19,491 SH   SOLE   0 0 19,491
ABBVIE INC COM 00287Y109 241 4,175 SH   DFND   0 0 4,175
ABBVIE INC COM 00287Y109 78 1,350 SH   SOLE   0 0 1,350
AETNA INC NEW COM 00817Y108 207 2,553 SH   DFND   0 0 2,553
AFLAC INC COM 001055102 288 4,945 SH   DFND   0 0 4,945
AIR PRODS & CHEMS INC COM 009158106 493 3,790 SH   DFND   0 0 3,790
AMAZON COM INC COM 023135106 495 1,534 SH   DFND   0 0 1,534
AMERICAN EXPRESS CO COM 025816109 281 3,205 SH   DFND   0 0 3,205
AMERICAN EXPRESS CO COM 025816109 726 8,290 SH   SOLE   0 0 8,290
AMERICAN WTR WKS CO INC NEW COM 030420103 208 4,321 SH   DFND   0 0 4,321
AMGEN INC COM 031162100 441 3,140 SH   DFND   0 0 3,140
AMGEN INC COM 031162100 105 750 SH   SOLE   0 0 750
APPLE INC COM 037833100 1,133 11,250 SH   DFND   0 0 11,250
APPLE INC COM 037833100 800 7,941 SH   SOLE   0 0 7,941
AT&T INC COM 00206R102 359 10,192 SH   DFND   0 0 10,192
AT&T INC COM 00206R102 1,306 37,066 SH   SOLE   0 0 37,066
AUTODESK INC COM 052769106 312 5,658 SH   DFND   0 0 5,658
BAXTER INTL INC COM 071813109 505 7,040 SH   DFND   0 0 7,040
BECTON DICKINSON & CO COM 075887109 348 3,060 SH   DFND   0 0 3,060
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 421 3,050 SH   DFND   0 0 3,050
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 69 500 SH   SOLE   0 0 500
BOEING CO COM 097023105 277 2,177 SH   DFND   0 0 2,177
BRISTOL MYERS SQUIBB CO COM 110122108 483 9,438 SH   DFND   0 0 9,438
BUCKEYE PARTNERS L P UNIT LTD PARTN 118230101 356 4,465 SH   DFND   0 0 4,465
CATERPILLAR INC DEL COM 149123101 138 1,390 SH   DFND   0 0 1,390
CATERPILLAR INC DEL COM 149123101 704 7,113 SH   SOLE   0 0 7,113
CHEVRON CORP NEW COM 166764100 243 2,038 SH   DFND   0 0 2,038
CHEVRON CORP NEW COM 166764100 239 2,000 SH   SOLE   0 0 2,000
COCA COLA CO COM 191216100 14 336 SH   DFND   0 0 336
COCA COLA CO COM 191216100 1,267 29,707 SH   SOLE   0 0 29,707
COCA COLA ENTERPRISES INC NE COM 19122T109 334 7,530 SH   DFND   0 0 7,530
COLGATE PALMOLIVE CO COM 194162103 245 3,755 SH   DFND   0 0 3,755
COLGATE PALMOLIVE CO COM 194162103 1,011 15,497 SH   SOLE   0 0 15,497
CONOCOPHILLIPS COM 20825C104 201 2,630 SH   DFND   0 0 2,630
COSTCO WHSL CORP NEW COM 22160K105 343 2,736 SH   DFND   0 0 2,736
CVS HEALTH CORP COM 126650100 762 9,579 SH   DFND   0 0 9,579
DEERE & CO COM 244199105 96 1,165 SH   DFND   0 0 1,165
DEERE & CO COM 244199105 706 8,611 SH   SOLE   0 0 8,611
DISNEY WALT CO COM DISNEY 254687106 557 6,256 SH   DFND   0 0 6,256
DISNEY WALT CO COM DISNEY 254687106 773 8,682 SH   SOLE   0 0 8,682
DOVER CORP COM 260003108 296 3,690 SH   DFND   0 0 3,690
DU PONT E I DE NEMOURS & CO COM 263534109 1,102 15,358 SH   SOLE   0 0 15,358
EMERSON ELEC CO COM 291011104 456 7,288 SH   DFND   0 0 7,288
EMERSON ELEC CO COM 291011104 717 11,463 SH   SOLE   0 0 11,463
EOG RES INC COM 26875P101 338 3,411 SH   DFND   0 0 3,411
EXXON MOBIL CORP COM 30231G102 645 6,858 SH   DFND   0 0 6,858
EXXON MOBIL CORP COM 30231G102 1,099 11,689 SH   SOLE   0 0 11,689
GILEAD SCIENCES INC COM 375558103 608 5,712 SH   DFND   0 0 5,712
HOME DEPOT INC COM 437076102 41 450 SH   DFND   0 0 450
HOME DEPOT INC COM 437076102 321 3,500 SH   SOLE   0 0 3,500
INTERNATIONAL BUSINESS MACHS COM 459200101 252 1,325 SH   DFND   0 0 1,325
INTERNATIONAL BUSINESS MACHS COM 459200101 1,164 6,130 SH   SOLE   0 0 6,130
ISHARES MSCI CDA ETF 464286509 1,139 37,110 SH   DFND   37,110 0 0
ISHARES EAFE GRWTH ETF 464288885 429 6,305 SH   DFND   0 0 6,305
ISHARES TR RUS 1000 VAL ETF 464287598 3,670 36,662 SH   DFND   0 0 36,662
ISHARES TR RUS 1000 GRW ETF 464287614 2,775 30,289 SH   DFND   0 0 30,289
ISHARES TR RUS 2000 VAL ETF 464287630 545 5,825 SH   DFND   0 0 5,825
ISHARES TR EAFE MIN VOL ETF 46429B689 1,252 19,985 SH   DFND   19,985 0 0
ISHARES TR USA MIN VOL ETF 46429B697 5,119 135,846 SH   DFND   0 0 135,846
JOHNSON & JOHNSON COM 478160104 998 9,366 SH   DFND   0 0 9,366
JOHNSON & JOHNSON COM 478160104 1,227 11,512 SH   SOLE   0 0 11,512
JPMORGAN CHASE & CO ALERIAN ML ETN 46625H365 836 15,755 SH   DFND   0 0 15,755
KIMBERLY CLARK CORP COM 494368103 833 7,741 SH   DFND   0 0 7,741
LOWES COS INC COM 548661107 209 3,940 SH   DFND   0 0 3,940
LOWES COS INC COM 548661107 53 1,000 SH   SOLE   0 0 1,000
MASTERCARD INC CL A 57636Q104 266 3,600 SH   DFND   0 0 3,600
MCDONALDS CORP COM 580135101 238 2,506 SH   DFND   0 0 2,506
MCDONALDS CORP COM 580135101 740 7,810 SH   SOLE   0 0 7,810
MEDTRONIC INC COM 585055106 806 13,011 SH   SOLE   0 0 13,011
MICROSOFT CORP COM 594918104 322 6,936 SH   DFND   0 0 6,936
MICROSOFT CORP COM 594918104 943 20,347 SH   SOLE   0 0 20,347
NIKE INC CL B 654106103 526 5,899 SH   DFND   0 0 5,899
NORTHERN TR CORP COM 665859104 353 5,192 SH   DFND   0 0 5,192
NOVARTIS A G SPONSORED ADR 66987V109 793 8,428 SH   SOLE   0 0 8,428
ORACLE CORP COM 68389X105 547 14,295 SH   DFND   0 0 14,295
PAYCHEX INC COM 704326107 502 11,355 SH   DFND   0 0 11,355
PEPSICO INC COM 713448108 307 3,300 SH   DFND   0 0 3,300
PEPSICO INC COM 713448108 233 2,500 SH   SOLE   0 0 2,500
POWERSHARES QQQ TRUST UNIT SER 1 73935A104 988 10,000 SH   SOLE   0 0 10,000
PRECISION CASTPARTS CORP COM 740189105 367 1,550 SH   DFND   0 0 1,550
PRICE T ROWE GROUP INC COM 74144T108 428 5,455 SH   DFND   0 0 5,455
PROCTER & GAMBLE CO COM 742718109 593 7,080 SH   DFND   0 0 7,080
PROCTER & GAMBLE CO COM 742718109 1,054 12,582 SH   SOLE   0 0 12,582
PRUDENTIAL FINL INC COM 744320102 351 3,990 SH   DFND   0 0 3,990
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 40 525 SH   DFND   0 0 525
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 714 9,385 SH   SOLE   0 0 9,385
SCHLUMBERGER LTD COM 806857108 631 6,210 SH   DFND   0 0 6,210
SCHLUMBERGER LTD COM 806857108 818 8,045 SH   SOLE   0 0 8,045
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 232 10,000 SH   SOLE   0 0 10,000
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 340 2,000 SH   SOLE   0 0 2,000
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,340 11,877 SH   SOLE   0 0 11,877
SPDR SERIES TRUST S&P DIVID ETF 78464A763 1,546 20,628 SH   DFND   0 0 20,628
STARBUCKS CORP COM 855244109 217 2,874 SH   DFND   0 0 2,874
SUNTRUST BKS INC COM 867914103 376 9,900 SH   DFND   0 0 9,900
TELEFLEX INC COM 879369106 1,050 10,000 SH   DFND   0 0 10,000
THERMO FISHER SCIENTIFIC INC COM 883556102 218 1,788 SH   DFND   0 0 1,788
TRAVELERS COMPANIES INC COM 89417E109 636 6,771 SH   DFND   0 0 6,771
UNILEVER PLC SPON ADR NEW 904767704 709 16,923 SH   SOLE   0 0 16,923
UNION PAC CORP COM 907818108 438 4,044 SH   DFND   0 0 4,044
UNITED TECHNOLOGIES CORP COM 913017109 197 1,863 SH   DFND   0 0 1,863
UNITED TECHNOLOGIES CORP COM 913017109 768 7,274 SH   SOLE   0 0 7,274
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 1,518 18,534 SH   DFND   0 0 18,534
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 643 6,300 SH   DFND   0 0 6,300
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 7,807 101,450 SH   DFND   0 0 101,450
VERIZON COMMUNICATIONS INC COM 92343V104 205 4,102 SH   DFND   0 0 4,102
VERIZON COMMUNICATIONS INC COM 92343V104 150 3,000 SH   SOLE   0 0 3,000
VISA INC COM CL A 92826C839 217 1,015 SH   DFND   0 0 1,015
WAL-MART STORES INC COM 931142103 830 10,855 SH   SOLE   0 0 10,855
WASHINGTON TR BANCORP COM 940610108 3,002 91,000 SH   SOLE   0 0 91,000
WELLS FARGO & CO NEW COM 949746101 116 2,231 SH   DFND   0 0 2,231
WELLS FARGO & CO NEW COM 949746101 139 4,000 SH   SOLE   0 0 4,000
WILLIAMS COS INC DEL COM 969457100 174 3,140 SH   DFND   0 0 3,140
WILLIAMS COS INC DEL COM 969457100 61 1,100 SH   SOLE   0 0 1,100