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 226 961 SH   DFND   0 0 961
3M CO COM 88579Y101 1,742 7,400 SH   SOLE   0 0 7,400
ABBOTT LABS COM 002824100 50 868 SH   DFND   0 0 868
ABBOTT LABS COM 002824100 1,523 26,679 SH   SOLE   0 0 26,679
ABBVIE INC COM 00287Y109 382 3,950 SH   DFND   0 0 3,950
ABBVIE INC COM 00287Y109 131 1,350 SH   SOLE   0 0 1,350
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 507 3,310 SH   DFND   0 0 3,310
AFLAC INC COM 001055102 222 2,525 SH   DFND   0 0 2,525
AIR PRODS & CHEMS INC COM 009158106 412 2,510 SH   DFND   0 0 2,510
AMAZON.COM INC COM 023135106 1,159 991 SH   DFND   0 0 991
AMERICAN EXPRESS CO COM 025816109 382 3,843 SH   DFND   0 0 3,843
AMERICAN EXPRESS CO COM 025816109 1,494 15,044 SH   SOLE   0 0 15,044
AMGEN INC COM 031162100 437 2,512 SH   DFND   0 0 2,512
AMGEN INC COM 031162100 130 750 SH   SOLE   0 0 750
APPLE INC COM 037833100 1,817 10,738 SH   DFND   0 0 10,738
APPLE INC COM 037833100 1,303 7,701 SH   SOLE   0 0 7,701
AT&T INC COM 00206R102 415 10,676 SH   DFND   0 0 10,676
AT&T INC COM 00206R102 1,448 37,235 SH   SOLE   0 0 37,235
AUTODESK INC COM 052769106 382 3,648 SH   DFND   0 0 3,648
BAXTER INTL INC COM 071813109 267 4,127 SH   DFND   0 0 4,127
BECTON DICKINSON AND CO COM 075887109 533 2,488 SH   DFND   0 0 2,488
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 605 3,050 SH   DFND   0 0 3,050
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 99 500 SH   SOLE   0 0 500
BOEING CO COM 097023105 376 1,275 SH   DFND   0 0 1,275
BRISTOL MYERS SQUIBB CO COM 110122108 570 9,298 SH   DFND   0 0 9,298
BUCKEYE PARTNERS LP UNIT LTD PARTN 118230101 269 5,425 SH   DFND   0 0 5,425
CATERPILLAR INC DEL COM 149123101 54 344 SH   DFND   0 0 344
CATERPILLAR INC DEL COM 149123101 2,098 13,316 SH   SOLE   0 0 13,316
CHEVRON CORP NEW COM 166764100 326 2,603 SH   DFND   0 0 2,603
CHEVRON CORP NEW COM 166764100 250 2,000 SH   SOLE   0 0 2,000
COCA COLA CO COM 191216100 65 1,418 SH   DFND   0 0 1,418
COCA COLA CO COM 191216100 1,699 37,032 SH   SOLE   0 0 37,032
COLGATE PALMOLIVE CO COM 194162103 288 3,813 SH   DFND   0 0 3,813
COLGATE-PALMOLIVE CO COM 194162103 1,444 19,142 SH   SOLE   0 0 19,142
COMCAST CORP NEW CL A 20030N101 209 5,210 SH   DFND   0 0 5,210
CORNING INC COM 219350105 248 7,745 SH   DFND   0 0 7,745
CVS HEALTH CORP COM 126650100 350 4,832 SH   DFND   0 0 4,832
DEERE & CO COM 244199105 86 547 SH   DFND   0 0 547
DEERE & CO COM 244199105 1,868 11,937 SH   SOLE   0 0 11,937
DIAMONDBACK ENERGY INC COM 25278X109 371 2,935 SH   DFND   0 0 2,935
DISNEY WALT CO COM DISNEY 254687106 314 2,922 SH   DFND   0 0 2,922
DISNEY WALT CO COM DISNEY 254687106 1,055 9,812 SH   SOLE   0 0 9,812
DOWDUPONT INC COM 26078J100 100 1,398 SH   DFND   0 0 1,398
DOWDUPONT INC COM 26078J100 1,488 20,897 SH   SOLE   0 0 20,897
EMERSON ELECTRIC CO COM 291011104 384 5,515 SH   DFND   0 0 5,515
EMERSON ELECTRIC CO COM 291011104 1,407 20,192 SH   SOLE   0 0 20,192
EOG RESOURCES INC COM 26875P101 267 2,471 SH   DFND   0 0 2,471
EXXON MOBIL CORP COM 30231G102 618 7,388 SH   DFND   0 0 7,388
EXXON MOBIL CORP COM 30231G102 1,568 18,752 SH   SOLE   0 0 18,752
HARRIS CORP DEL COM 413875105 295 2,080 SH   DFND   0 0 2,080
HOME DEPOT INC COM 437076102 188 990 SH   DFND   0 0 990
HOME DEPOT INC COM 437076102 663 3,500 SH   SOLE   0 0 3,500
INTERCONTINENTAL EXCHANGE INC COM 45866F104 229 3,240 SH   DFND   0 0 3,240
INTERNATIONAL BUSINESS MACHS COM 459200101 50 323 SH   DFND   0 0 323
INTERNATIONAL BUSINESS MACHS COM 459200101 1,439 9,379 SH   SOLE   0 0 9,379
ISHARES INC MSCI CDA ETF 464286509 1,100 37,110 SH   DFND   37,110 0 0
ISHARES INC CORE MSCI EMKT 46434G103 249 4,380 SH   DFND   0 0 4,380
ISHARES TR RUS 1000 VAL ETF 464287598 3,981 32,020 SH   DFND   0 0 32,020
ISHARES TR RUS 1000 GRW ETF 464287614 3,695 27,433 SH   DFND   0 0 27,433
ISHARES TR RUS 2000 VAL ETF 464287630 1,184 9,419 SH   DFND   0 0 9,419
ISHARES TR CORE S&P SCP ETF 464287804 624 8,130 SH   DFND   0 0 8,130
ISHARES TR EAFE GRWTH ETF 464288885 472 5,850 SH   DFND   0 0 5,850
ISHARES TR MIN VOL USA ETF 46429B697 3,890 73,706 SH   DFND   0 0 73,706
ISHARES TR USA MOMENTUM FCT 46432F396 587 5,695 SH   DFND   0 0 5,695
ISHARES TR CORE MSCI EAFE 46432F842 2,151 32,550 SH   DFND   29,150 0 3,400
ISHARES TR HDG MSCI JAPAN 46434V886 332 9,965 SH   DFND   0 0 9,965
JOHNSON & JOHNSON COM 478160104 738 5,284 SH   DFND   0 0 5,284
JOHNSON & JOHNSON COM 478160104 1,805 12,920 SH   SOLE   0 0 12,920
JPMORGAN CHASE & CO COM 46625H100 321 3,000 SH   SOLE   0 0 3,000
JPMORGAN CHASE & CO ALERIAN ML ETN 46625H365 1,072 39,030 SH   DFND   0 0 39,030
KIMBERLY CLARK CORP COM 494368103 728 6,030 SH   DFND   0 0 6,030
LILLY ELI & CO COM 532457108 54 645 SH   DFND   0 0 645
LILLY ELI & CO COM 532457108 169 2,000 SH   SOLE   0 0 2,000
MCDONALDS CORP COM 580135101 471 2,734 SH   DFND   0 0 2,734
MCDONALDS CORP COM 580135101 1,468 8,528 SH   SOLE   0 0 8,528
MEDTRONIC PLC SHS G5960L103 94 1,165 SH   DFND   0 0 1,165
MEDTRONIC PLC SHS G5960L103 1,182 14,642 SH   SOLE   0 0 14,642
MERCK & CO INC COM 58933Y105 171 3,042 SH   DFND   0 0 3,042
MERCK & CO INC COM 58933Y105 1,356 24,095 SH   SOLE   0 0 24,095
MICROSOFT CORP COM 594918104 522 6,108 SH   DFND   0 0 6,108
MICROSOFT CORP COM 594918104 1,698 19,854 SH   SOLE   0 0 19,854
NIKE INC CL B 654106103 309 4,938 SH   DFND   0 0 4,938
NORTHERN TR CORP COM 665859104 501 5,017 SH   DFND   0 0 5,017
ORACLE CORP COM 68389X105 348 7,360 SH   DFND   0 0 7,360
PAYCHEX INC COM 704326107 604 8,872 SH   DFND   0 0 8,872
PAYPAL HLDGS INC COM 70450Y103 300 4,070 SH   DFND   0 0 4,070
PEPSICO INC COM 713448108 354 2,950 SH   DFND   0 0 2,950
PEPSICO INC COM 713448108 300 2,500 SH   SOLE   0 0 2,500
POWERSHARES QQQ TRUST UNIT SER 1 73935A104 1,277 8,200 SH   SOLE   0 0 8,200
PROCTER & GAMBLE CO COM 742718109 645 7,025 SH   DFND   0 0 7,025
PROCTER & GAMBLE CO COM 742718109 1,601 17,424 SH   SOLE   0 0 17,424
PRUDENTIAL FINL INC COM 744320102 230 2,000 SH   DFND   0 0 2,000
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 1,539 23,065 SH   SOLE   0 0 23,065
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 167 2,500 SH   DFND   0 0 2,500
SCHLUMBERGER LTD COM 806857108 248 3,681 SH   DFND   0 0 3,681
SCHLUMBERGER LTD COM 806857108 1,021 15,147 SH   SOLE   0 0 15,147
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 251 3,040 SH   DFND   0 0 3,040
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 279 10,000 SH   SOLE   0 0 10,000
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 495 2,000 SH   SOLE   0 0 2,000
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,689 10,077 SH   SOLE   0 0 10,077
SPDR SERIES TRUST S&P DIVID ETF 78464A763 2,059 21,788 SH   DFND   0 0 21,788
STRYKER CORP COM 863667101 272 1,757 SH   DFND   0 0 1,757
STRYKER CORP COM 863667101 77 500 SH   SOLE   0 0 500
SUNTRUST BKS INC COM 867914103 477 7,388 SH   DFND   0 0 7,388
TELEFLEX INC COM 879369106 2,488 10,000 SH   DFND   0 0 10,000
TRAVELERS COMPANIES INC COM 89417E109 693 5,108 SH   DFND   0 0 5,108
UNILEVER PLC SPON ADR NEW 904767704 1,102 19,918 SH   SOLE   0 0 19,918
UNION PAC CORP COM 907818108 546 4,074 SH   DFND   0 0 4,074
UNION PAC CORP COM 907818108 1,750 13,053 SH   SOLE   0 0 13,053
UNITED TECHNOLOGIES CORP COM 913017109 221 1,729 SH   DFND   0 0 1,729
UNITED TECHNOLOGIES CORP COM 913017109 1,309 10,260 SH   SOLE   0 0 10,260
UNITEDHEALTH GROUP INC COM 91324P102 403 1,828 SH   DFND   0 0 1,828
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 1,492 18,287 SH   DFND   0 0 18,287
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 297 1,210 SH   DFND   0 0 1,210
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 325 2,730 SH   DFND   0 0 2,730
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 298 5,035 SH   DFND   0 0 5,035
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 7,867 77,106 SH   DFND   0 0 77,106
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 579 12,915 SH   DFND   0 0 12,915
VERIZON COMMUNICATIONS INC COM 92343V104 45 850 SH   DFND   0 0 850
VERIZON COMMUNICATIONS INC COM 92343V104 159 3,000 SH   SOLE   0 0 3,000
VISA INC COM CL A 92826C839 350 3,072 SH   DFND   0 0 3,072
WELLS FARGO CO NEW COM 949746101 250 4,126 SH   DFND   0 0 4,126
WELLS FARGO CO NEW COM 949746101 243 4,000 SH   SOLE   0 0 4,000
WESTERN ASSET INVT GRADE DEF COM 95790A101 220 9,615 SH   DFND   0 0 9,615