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 212 1,290 SH   DFND   0 0 1,290
3M CO COM 88579Y101 1,131 6,880 SH   SOLE   0 0 6,880
ABBOTT LABS COM 002824100 141 3,121 SH   DFND   0 0 3,121
ABBOTT LABS COM 002824100 877 19,491 SH   SOLE   0 0 19,491
ABBVIE INC COM 00287Y109 273 4,175 SH   DFND   0 0 4,175
ABBVIE INC COM 00287Y109 88 1,350 SH   SOLE   0 0 1,350
AETNA INC NEW COM 00817Y108 227 2,553 SH   DFND   0 0 2,553
AFLAC INC COM 001055102 302 4,945 SH   DFND   0 0 4,945
AIR PRODS & CHEMS INC COM 009158106 547 3,790 SH   DFND   0 0 3,790
AMAZON COM INC COM 023135106 476 1,534 SH   DFND   0 0 1,534
AMERICAN EXPRESS CO COM 025816109 298 3,205 SH   DFND   0 0 3,205
AMERICAN EXPRESS CO COM 025816109 771 8,290 SH   SOLE   0 0 8,290
AMERICAN WTR WKS CO INC NEW COM 030420103 230 4,321 SH   DFND   0 0 4,321
AMGEN INC COM 031162100 500 3,140 SH   DFND   0 0 3,140
AMGEN INC COM 031162100 119 750 SH   SOLE   0 0 750
APPLE INC COM 037833100 1,242 11,250 SH   DFND   0 0 11,250
APPLE INC COM 037833100 877 7,941 SH   SOLE   0 0 7,941
AT&T INC COM 00206R102 351 10,457 SH   DFND   0 0 10,457
AT&T INC COM 00206R102 1,245 37,066 SH   SOLE   0 0 37,066
AUTODESK INC COM 052769106 340 5,658 SH   DFND   0 0 5,658
BAXTER INTL INC COM 071813109 516 7,040 SH   DFND   0 0 7,040
BECTON DICKINSON & CO COM 075887109 426 3,060 SH   DFND   0 0 3,060
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 458 3,050 SH   DFND   0 0 3,050
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 75 500 SH   SOLE   0 0 500
BOEING CO COM 097023105 283 2,177 SH   DFND   0 0 2,177
BRISTOL MYERS SQUIBB CO COM 110122108 557 9,438 SH   DFND   0 0 9,438
BUCKEYE PARTNERS LP UNIT LTD PARTN 118230101 338 4,465 SH   DFND   0 0 4,465
CATERPILLAR INC COM 149123101 127 1,390 SH   DFND   0 0 1,390
CATERPILLAR INC COM 149123101 651 7,113 SH   SOLE   0 0 7,113
CHEVRON CORP NEW COM 166764100 229 2,038 SH   DFND   0 0 2,038
CHEVRON CORP NEW COM 166764100 224 2,000 SH   SOLE   0 0 2,000
CME GROUP INC COM 12572Q105 164 1,850 SH   DFND   0 0 1,850
COCA COLA CO COM 191216100 14 336 SH   DFND   0 0 336
COCA COLA CO COM 191216100 1,254 29,707 SH   SOLE   0 0 29,707
COCA COLA ENTERPRISES INC NE COM 19122T109 333 7,530 SH   DFND   0 0 7,530
COLGATE PALMOLIVE CO COM 194162103 260 3,755 SH   DFND   0 0 3,755
COLGATE PALMOLIVE CO COM 194162103 1,072 15,497 SH   SOLE   0 0 15,497
COSTCO WHSL CORP NEW COM 22160K105 388 2,736 SH   DFND   0 0 2,736
CUMMINS INC COM 231021106 205 1,425 SH   DFND   0 0 1,425
CVS HEALTH CORP COM 126650100 923 9,579 SH   DFND   0 0 9,579
DEERE & CO COM 244199105 103 1,165 SH   DFND   0 0 1,165
DEERE & CO COM 244199105 762 8,611 SH   SOLE   0 0 8,611
DISNEY WALT CO COM DISNEY 254687106 589 6,256 SH   DFND   0 0 6,256
DISNEY WALT CO COM DISNEY 254687106 818 8,682 SH   SOLE   0 0 8,682
DOVER CORP COM 260003108 265 3,690 SH   DFND   0 0 3,690
DU PONT E I DE NEMOURS & CO COM 263534109 1,136 15,358 SH   SOLE   0 0 15,358
EMERSON ELECTRIC CO COM 291011104 450 7,288 SH   DFND   0 0 7,288
EMERSON ELECTRIC CO COM 291011104 708 11,463 SH   SOLE   0 0 11,463
EOG RES INC COM 26875P101 203 2,206 SH   DFND   0 0 2,206
EXXON MOBIL CORP COM 30231G102 634 6,858 SH   DFND   0 0 6,858
EXXON MOBIL CORP COM 30231G102 1,081 11,689 SH   SOLE   0 0 11,689
GENUINE PARTS CO COM 372460105 233 2,190 SH   DFND   0 0 2,190
GILEAD SCIENCES INC COM 375558103 538 5,712 SH   DFND   0 0 5,712
HOME DEPOT INC COM 437076102 47 450 SH   DFND   0 0 450
HOME DEPOT INC COM 437076102 367 3,500 SH   SOLE   0 0 3,500
INTERNATIONAL BUSINESS MACHS COM 459200101 213 1,325 SH   DFND   0 0 1,325
INTERNATIONAL BUSINESS MACHS COM 459200101 983 6,130 SH   SOLE   0 0 6,130
ISHARES MSCI CDA ETF 464286509 1,071 37,110 SH   DFND   37,110 0 0
ISHARES EAFE GRWTH ETF 464288885 415 6,305 SH   DFND   0 0 6,305
ISHARES TR RUS 1000 VAL ETF 464287598 3,743 35,852 SH   DFND   0 0 35,852
ISHARES TR RUS 1000 GRW ETF 464287614 2,809 29,377 SH   DFND   0 0 29,377
ISHARES TR RUS 2000 VAL ETF 464287630 1,732 17,030 SH   DFND   0 0 17,030
ISHARES TR EAFE MIN VOL ETF 46429B689 1,233 19,985 SH   DFND   19,985 0 0
ISHARES TR USA MIN VOL ETF 46429B697 5,612 138,641 SH   DFND   0 0 138,641
JOHNSON & JOHNSON COM 478160104 979 9,366 SH   DFND   0 0 9,366
JOHNSON & JOHNSON COM 478160104 1,199 11,462 SH   SOLE   0 0 11,462
JPMORGAN CHASE & CO ALERIAN ML ETN 46625H365 801 17,430 SH   DFND   0 0 17,430
KIMBERLY CLARK CORP COM 494368103 854 7,389 SH   DFND   0 0 7,389
LOWES COS INC COM 548661107 271 3,940 SH   DFND   0 0 3,940
LOWES COS INC COM 548661107 69 1,000 SH   SOLE   0 0 1,000
MASTERCARD INC CL A 57636Q104 310 3,600 SH   DFND   0 0 3,600
MCDONALDS CORP COM 580135101 235 2,506 SH   DFND   0 0 2,506
MCDONALDS CORP COM 580135101 732 7,810 SH   SOLE   0 0 7,810
MEDTRONIC INC COM 585055106 939 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 945 20,347 SH   SOLE   0 0 20,347
NIKE INC CL B 654106103 567 5,899 SH   DFND   0 0 5,899
NORTHERN TRUST CORP COM 665859104 350 5,192 SH   DFND   0 0 5,192
NOVARTIS AG SPONSORED ADR 66987V109 781 8,428 SH   SOLE   0 0 8,428
ORACLE CORP COM 68389X105 643 14,295 SH   DFND   0 0 14,295
PALL CORP COM 696429307 202 2,000 SH   DFND   0 0 2,000
PAYCHEX INC COM 704326107 524 11,355 SH   DFND   0 0 11,355
PEPSICO INC COM 713448108 312 3,300 SH   DFND   0 0 3,300
PEPSICO INC COM 713448108 236 2,500 SH   SOLE   0 0 2,500
PFIZER INC COM 717081103 142 4,546 SH   DFND   0 0 4,546
PFIZER INC COM 717081103 62 2,000 SH   SOLE   0 0 2,000
POWERSHARES QQQ TRUST UNIT SER 1 73935A104 1,033 10,000 SH   SOLE   0 0 10,000
PRECISION CASTPARTS CORP COM 740189105 373 1,550 SH   DFND   0 0 1,550
PRICE T ROWE GROUP INC COM 74144T108 468 5,455 SH   DFND   0 0 5,455
PROCTER & GAMBLE CO COM 742718109 645 7,080 SH   DFND   0 0 7,080
PROCTER & GAMBLE CO COM 742718109 1,146 12,582 SH   SOLE   0 0 12,582
PRUDENTIAL FINL INC COM 744320102 361 3,990 SH   DFND   0 0 3,990
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 98 1,460 SH   DFND   0 0 1,460
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 613 9,385 SH   SOLE   0 0 9,385
SCHLUMBERGER LTD COM 806857108 530 6,210 SH   DFND   0 0 6,210
SCHLUMBERGER LTD COM 806857108 687 8,045 SH   SOLE   0 0 8,045
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 247 10,000 SH   SOLE   0 0 10,000
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 356 2,000 SH   SOLE   0 0 2,000
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,441 11,877 SH   SOLE   0 0 11,877
SPDR SERIES TRUST S&P DIVID ETF 78464A763 1,958 24,848 SH   DFND   0 0 24,848
STARBUCKS CORP COM 855244109 236 2,874 SH   DFND   0 0 2,874
SUNTRUST BKS INC COM 867914103 415 9,900 SH   DFND   0 0 9,900
TELEFLEX INC COM 879369106 1,148 10,000 SH   DFND   0 0 10,000
THERMO FISHER SCIENTIFIC INC COM 883556102 224 1,788 SH   DFND   0 0 1,788
TRAVELERS COMPANIES INC COM 89417E109 717 6,771 SH   DFND   0 0 6,771
UNILEVER PLC SPON ADR NEW 904767704 685 16,923 SH   SOLE   0 0 16,923
UNION PAC CORP COM 907818108 482 4,044 SH   DFND   0 0 4,044
UNITED TECHNOLOGIES CORP COM 913017109 214 1,863 SH   DFND   0 0 1,863
UNITED TECHNOLOGIES CORP COM 913017109 837 7,274 SH   SOLE   0 0 7,274
UNITEDHEALTH GROUP INC COM 91324P102 227 2,248 SH   DFND   0 0 2,248
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 1,561 18,954 SH   DFND   0 0 18,954
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 220 1,170 SH   DFND   0 0 1,170
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 600 6,300 SH   DFND   0 0 6,300
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 8,427 103,830 SH   DFND   0 0 103,830
VERIZON COMMUNICATIONS INC COM 92343V104 192 4,102 SH   DFND   0 0 4,102
VERIZON COMMUNICATIONS INC COM 92343V104 140 3,000 SH   SOLE   0 0 3,000
VISA INC COM CL A 92826C839 266 1,015 SH   DFND   0 0 1,015
WAL-MART STORES INC COM 931142103 932 10,855 SH   SOLE   0 0 10,855
WASHINGTON TR BANCORP COM 940610108 3,656 91,000 SH   SOLE   0 0 91,000
WELLS FARGO & CO NEW COM 949746101 122 2,231 SH   DFND   0 0 2,231
WELLS FARGO & CO NEW COM 949746101 219 4,000 SH   SOLE   0 0 4,000
WESTERN ASSET INVT GRADE DEF COM 95790A101 202 9,615 SH   DFND   0 0 9,615