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 1,296 7,257 SH   SOLE   0 0 7,257
3M CO COM 88579Y101 134 750 SH   DFND   0 0 750
ABBOTT LABS COM 002824100 760 19,786 SH   SOLE   0 0 19,786
ABBVIE INC COM 00287Y109 261 4,175 SH   DFND   0 0 4,175
ABBVIE INC COM 00287Y109 85 1,350 SH   SOLE   0 0 1,350
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 388 3,310 SH   DFND   0 0 3,310
AFLAC INC COM 001055102 247 3,550 SH   DFND   0 0 3,550
AIR PRODS & CHEMS INC COM 009158106 404 2,810 SH   DFND   0 0 2,810
AMAZON.COM INC COM 023135106 791 1,055 SH   DFND   0 0 1,055
AMERICAN EXPRESS CO COM 025816109 248 3,345 SH   DFND   0 0 3,345
AMERICAN EXPRESS CO COM 025816109 1,035 13,967 SH   SOLE   0 0 13,967
AMGEN INC COM 031162100 367 2,512 SH   DFND   0 0 2,512
AMGEN INC COM 031162100 110 750 SH   SOLE   0 0 750
ANNALY CAP MGMT INC COM 035710409 155 15,500 SH   DFND   0 0 15,500
APPLE INC COM 037833100 1,220 10,530 SH   DFND   0 0 10,530
APPLE INC COM 037833100 828 7,153 SH   SOLE   0 0 7,153
AT&T INC COM 00206R102 400 9,402 SH   DFND   0 0 9,402
AT&T INC COM 00206R102 1,602 37,665 SH   SOLE   0 0 37,665
AUTODESK INC COM 052769106 270 3,648 SH   DFND   0 0 3,648
BARD C R INC COM 067383109 273 1,215 SH   DFND   0 0 1,215
BECTON DICKINSON & CO COM 075887109 507 3,060 SH   DFND   0 0 3,060
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 513 3,150 SH   DFND   0 0 3,150
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 81 500 SH   SOLE   0 0 500
BLACKROCK INC COM 09247X101 204 537 SH   DFND   0 0 537
BRISTOL MYERS SQUIBB CO COM 110122108 543 9,298 SH   DFND   0 0 9,298
BUCKEYE PARTNERS L P UNIT LTD PARTN 118230101 295 4,465 SH   DFND   0 0 4,465
CATERPILLAR INC DEL COM 149123101 123 1,330 SH   DFND   0 0 1,330
CATERPILLAR INC DEL COM 149123101 1,253 13,511 SH   SOLE   0 0 13,511
CHEVRON CORP NEW COM 166764100 235 2,000 SH   SOLE   0 0 2,000
CHEVRON CORP NEW COM 166764100 95 803 SH   DFND   0 0 803
COCA COLA CO COM 191216100 1,333 32,151 SH   SOLE   0 0 32,151
COCA COLA CO COM 191216100 14 336 SH   DFND   0 0 336
COLGATE PALMOLIVE CO COM 194162103 206 3,155 SH   DFND   0 0 3,155
COLGATE PALMOLIVE CO COM 194162103 1,117 17,069 SH   SOLE   0 0 17,069
CONOCOPHILLIPS COM 20825C104 207 4,130 SH   DFND   0 0 4,130
COSTCO WHSL CORP NEW COM 22160K105 331 2,065 SH   DFND   0 0 2,065
CVS HEALTH CORP COM 126650100 381 4,832 SH   DFND   0 0 4,832
DEERE & CO COM 244199105 1,269 12,319 SH   SOLE   0 0 12,319
DEERE & CO COM 244199105 24 230 SH   DFND   0 0 230
DISNEY WALT CO COM DISNEY 254687106 448 4,301 SH   DFND   0 0 4,301
DISNEY WALT CO COM DISNEY 254687106 829 7,951 SH   SOLE   0 0 7,951
EI DU PONT DE NEMOURS & CO COM 263534109 1,368 18,644 SH   SOLE   0 0 18,644
EMERSON ELEC CO COM 291011104 268 4,803 SH   DFND   0 0 4,803
EMERSON ELEC CO COM 291011104 967 17,349 SH   SOLE   0 0 17,349
ENTERPRISE PRODS PARTNERS L COM 293792107 217 8,010 SH   DFND   0 0 8,010
EXXON MOBIL CORP COM 30231G102 656 7,265 SH   DFND   0 0 7,265
EXXON MOBIL CORP COM 30231G102 1,612 17,855 SH   SOLE   0 0 17,855
GILEAD SCIENCES INC COM 375558103 536 7,480 SH   DFND   0 0 7,480
HOME DEPOT INC COM 437076102 133 990 SH   DFND   0 0 990
HOME DEPOT INC COM 437076102 469 3,500 SH   SOLE   0 0 3,500
INTERNATIONAL BUSINESS MACHS COM 459200101 1,535 9,247 SH   SOLE   0 0 9,247
ISHARES MSCI CDA ETF 464286509 970 37,110 SH   DFND   37,110 0 0
ISHARES TR EAFE GRWTH ETF 464288885 329 5,160 SH   DFND   0 0 5,160
ISHARES TR EAFE VALUE ETF 464288877 233 4,935 SH   DFND   0 0 4,935
ISHARES TR CORE MSCI EAFE 46432F842 1,173 21,865 SH   DFND   18,465 0 3,400
ISHARES TR CORE S&P SCP ETF 464287804 274 3,985 SH   DFND   0 0 3,985
ISHARES TR RUS 1000 ETF 464287622 565 4,540 SH   DFND   0 0 4,540
ISHARES TR RUS 1000 VAL ETF 464287598 3,767 33,629 SH   DFND   0 0 33,629
ISHARES TR RUS 1000 GRW ETF 464287614 3,097 29,524 SH   DFND   0 0 29,524
ISHARES TR RUS 2000 VAL ETF 464287630 1,177 9,899 SH   DFND   0 0 9,899
ISHARES TR MIN VOL USA ETF 46429B697 3,526 77,977 SH   DFND   0 0 77,977
JOHNSON & JOHNSON COM 478160104 593 5,146 SH   DFND   0 0 5,146
JOHNSON & JOHNSON COM 478160104 1,458 12,652 SH   SOLE   0 0 12,652
JPMORGAN CHASE & CO ALERIAN ML ETN 46625H365 921 29,145 SH   DFND   0 0 29,145
JPMORGAN CHASE & CO COM 46625H100 259 3,000 SH   SOLE   0 0 3,000
KIMBERLY CLARK CORP COM 494368103 754 6,607 SH   DFND   0 0 6,607
KINDER MORGAN INC DEL COM 49456B101 290 14,000 SH   DFND   0 0 14,000
KKR & CO L P DEL COM UNITS 48248M102 246 15,970 SH   DFND   0 0 15,970
MCDONALD'S CORP COM 580135101 305 2,506 SH   DFND   0 0 2,506
MCDONALD'S CORP COM 580135101 1,057 8,683 SH   SOLE   0 0 8,683
MEDTRONIC PLC SHS G5960L103 153 2,149 SH   DFND   0 0 2,149
MEDTRONIC PLC SHS G5960L103 868 12,181 SH   SOLE   0 0 12,181
MERCK & CO. INC. COM 58933Y105 593 10,071 SH   SOLE   0 0 10,071
MICROSOFT CORP COM 594918104 359 5,770 SH   DFND   0 0 5,770
MICROSOFT CORP COM 594918104 1,339 21,547 SH   SOLE   0 0 21,547
NIKE INC CL B 654106103 251 4,938 SH   DFND   0 0 4,938
NORTHERN TR CORP COM 665859104 447 5,017 SH   DFND   0 0 5,017
NUVEEN PREFERRED SECURITIES COM 67072C105 101 10,835 SH   DFND   0 0 10,835
ORACLE CORP COM 68389X105 283 7,360 SH   DFND   0 0 7,360
PAYCHEX INC COM 704326107 548 8,997 SH   DFND   0 0 8,997
PEPSICO INC COM 713448108 382 3,650 SH   DFND   0 0 3,650
PEPSICO INC COM 713448108 262 2,500 SH   SOLE   0 0 2,500
POWERSHARES QQQ TRUST UNIT SER 1 73935A104 972 8,200 SH   SOLE   0 0 8,200
PRICE T ROWE GROUP INC COM 74144T108 289 3,840 SH   DFND   0 0 3,840
PROCTER & GAMBLE CO COM 742718109 545 6,485 SH   DFND   0 0 6,485
PROCTER & GAMBLE CO COM 742718109 1,495 17,779 SH   SOLE   0 0 17,779
PRUDENTIAL FINL INC COM 744320102 208 2,000 SH   DFND   0 0 2,000
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 1,032 18,974 SH   SOLE   0 0 18,974
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 64 1,185 SH   DFND   0 0 1,185
SCHLUMBERGER LTD COM 806857108 344 4,100 SH   DFND   0 0 4,100
SCHLUMBERGER LTD COM 806857108 991 11,807 SH   SOLE   0 0 11,807
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 233 10,000 SH   SOLE   0 0 10,000
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 395 2,000 SH   SOLE   0 0 2,000
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,253 10,077 SH   SOLE   0 0 10,077
SPDR SERIES TRUST S&P DIVID ETF 78464A763 1,901 22,213 SH   DFND   0 0 22,213
STRYKER CORP COM 863667101 211 1,757 SH   DFND   0 0 1,757
STRYKER CORP COM 863667101 60 500 SH   SOLE   0 0 500
SUNTRUST BKS INC COM 867914103 405 7,388 SH   DFND   0 0 7,388
TELEFLEX INC COM 879369106 1,612 10,000 SH   DFND   0 0 10,000
TRAVELERS COMPANIES INC COM 89417E109 625 5,108 SH   DFND   0 0 5,108
UNILEVER PLC SPON ADR NEW 904767704 811 19,931 SH   SOLE   0 0 19,931
UNION PAC CORP COM 907818108 485 4,680 SH   DFND   0 0 4,680
UNION PAC CORP COM 907818108 1,365 13,168 SH   SOLE   0 0 13,168
UNITED TECHNOLOGIES CORP COM 913017109 147 1,340 SH   DFND   0 0 1,340
UNITED TECHNOLOGIES CORP COM 913017109 973 8,878 SH   SOLE   0 0 8,878
UNITEDHEALTH GROUP INC COM 91324P102 345 2,153 SH   DFND   0 0 2,153
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 1,506 18,635 SH   DFND   0 0 18,635
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 240 1,170 SH   DFND   0 0 1,170
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 241 5,035 SH   DFND   0 0 5,035
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 257 2,730 SH   DFND   0 0 2,730
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 7,215 84,706 SH   DFND   0 0 84,706
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 472 12,915 SH   DFND   0 0 12,915
VERIZON COMMUNICATIONS INC COM 92343V104 249 4,674 SH   DFND   0 0 4,674
VERIZON COMMUNICATIONS INC COM 92343V104 160 3,000 SH   SOLE   0 0 3,000
VISA INC COM CL A 92826C839 240 3,072 SH   DFND   0 0 3,072
WELLS FARGO & CO NEW COM 949746101 161 2,921 SH   DFND   0 0 2,921
WELLS FARGO & CO NEW COM 949746101 220 4,000 SH   SOLE   0 0 4,000
WHITING PETE CORP NEW COM 966387102 240 20,000 SH   DFND   0 0 20,000