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 Common Stock 88579y101 967 6,823 SH   SOLE   6,823 0 0
3M Common Stock 88579y101 71 500 SH   DFND 1 0 500 0
3M Common Stock 88579y101 99 700 SH   DFND 6 0 700 0
3M Common Stock 88579y101 135 950 SH   DFND 12 0 950 0
3M Common Stock 88579y101 326 2,300 SH   DFND 05 06 0 2,300 0
ABBOTT LABS Common Stock 002824100 294 7,305 SH   SOLE   7,305 0 0
ABBOTT LABS Common Stock 002824100 42 1,050 SH   DFND 6 0 1,050 0
ABBOTT LABS Common Stock 002824100 101 2,500 SH   DFND 12 0 2,500 0
ABBOTT LABS Common Stock 002824100 201 5,000 SH   DFND 05 06 0 5,000 0
ABBVIE Common Stock 00287Y109 141 2,600 SH   SOLE   2,600 0 0
ABBVIE Common Stock 00287Y109 82 1,500 SH   DFND 05 06 0 1,500 0
ACE LIMITED Common Stock H0023R105 113 1,090 SH   SOLE   1,090 0 0
ACE LIMITED Common Stock H0023R105 103 1,000 SH   DFND 05 06 0 1,000 0
ALPHABET INC CL A Common Stock 02079K305 385 603 SH   SOLE   603 0 0
ALPHABET INC CL A Common Stock 02079K305 10 15 SH   DFND 1 0 15 0
ALPHABET INC CL A Common Stock 02079K305 85 133 SH   DFND 6 0 133 0
ALPHABET INC CL A Common Stock 02079K305 96 150 SH   DFND 12 0 150 0
ALPHABET INC CL A Common Stock 02079K305 96 150 SH   DFND 05 06 0 150 0
APPLE INC Common Stock 037833100 941 8,531 SH   SOLE   8,531 0 0
APPLE INC Common Stock 037833100 11 100 SH   DFND 1 0 100 0
APPLE INC Common Stock 037833100 125 1,135 SH   DFND 6 0 1,135 0
APPLE INC Common Stock 037833100 116 1,050 SH   DFND 12 0 1,050 0
APPLE INC Common Stock 037833100 232 2,100 SH   DFND 05 06 0 2,100 0
APTARGROUP Common Stock 038336103 713 10,815 SH   SOLE   10,815 0 0
APTARGROUP Common Stock 038336103 53 800 SH   DFND 1 0 800 0
APTARGROUP Common Stock 038336103 132 2,000 SH   DFND 12 0 2,000 0
APTARGROUP Common Stock 038336103 297 4,500 SH   DFND 05 06 0 4,500 0
APTARGROUP Common Stock 038336103 66 1,000 SH   DFND 6 0 1,000 0
AUTOMATIC DATA PROCESSING Common Stock 053015103 740 9,210 SH   SOLE   9,210 0 0
AUTOMATIC DATA PROCESSING Common Stock 053015103 72 900 SH   DFND 1 0 900 0
AUTOMATIC DATA PROCESSING Common Stock 053015103 104 1,300 SH   DFND 6 0 1,300 0
AUTOMATIC DATA PROCESSING Common Stock 053015103 169 2,100 SH   DFND 12 0 2,100 0
AUTOMATIC DATA PROCESSING Common Stock 053015103 321 4,000 SH   DFND 05 06 0 4,000 0
BRISTOL-MYERS SQUIBB Common Stock 110122108 287 4,850 SH   SOLE   4,850 0 0
BRISTOL-MYERS SQUIBB Common Stock 110122108 71 1,200 SH   DFND 12 0 1,200 0
CANADIAN NATL RAILWAY Common Stock 136375102 891 15,695 SH   SOLE   15,695 0 0
CANADIAN NATL RAILWAY Common Stock 136375102 57 1,000 SH   DFND 1 0 1,000 0
CANADIAN NATL RAILWAY Common Stock 136375102 129 2,275 SH   DFND 6 0 2,275 0
CANADIAN NATL RAILWAY Common Stock 136375102 182 3,200 SH   DFND 12 0 3,200 0
CANADIAN NATL RAILWAY Common Stock 136375102 312 5,500 SH   DFND 05 06 0 5,500 0
CHEVRON Common Stock 166764100 177 2,245 SH   SOLE   2,245 0 0
CHEVRON Common Stock 166764100 16 200 SH   DFND 1 0 200 0
CHEVRON Common Stock 166764100 63 800 SH   DFND 12 0 800 0
CHEVRON Common Stock 166764100 158 2,000 SH   DFND 05 06 0 2,000 0
CHEVRON Common Stock 166764100 79 1,000 SH   DFND 6 0 1,000 0
CISCO SYS INC Common Stock 17275r102 184 7,020 SH   SOLE   7,020 0 0
CISCO SYS INC Common Stock 17275r102 13 500 SH   DFND 6 0 500 0
CISCO SYS INC Common Stock 17275r102 113 4,300 SH   DFND 12 0 4,300 0
CISCO SYS INC Common Stock 17275r102 262 10,000 SH   DFND 05 06 0 10,000 0
COGNIZANT TECH SOLUTNS A Common Stock 192446102 351 5,600 SH   SOLE   5,600 0 0
CVS HEALTH Common Stock 126650100 781 8,100 SH   SOLE   8,100 0 0
CVS HEALTH Common Stock 126650100 58 600 SH   DFND 1 0 600 0
CVS HEALTH Common Stock 126650100 169 1,750 SH   DFND 6 0 1,750 0
CVS HEALTH Common Stock 126650100 212 2,200 SH   DFND 12 0 2,200 0
CVS HEALTH Common Stock 126650100 434 4,500 SH   DFND 05 06 0 4,500 0
DU PONT Common Stock 263534109 174 3,600 SH   SOLE   3,600 0 0
DU PONT Common Stock 263534109 159 3,300 SH   DFND 05 06 0 3,300 0
E M C CORP MASS Common Stock 268648102 262 10,860 SH   SOLE   10,860 0 0
E M C CORP MASS Common Stock 268648102 29 1,200 SH   DFND 1 0 1,200 0
E M C CORP MASS Common Stock 268648102 53 2,200 SH   DFND 6 0 2,200 0
E M C CORP MASS Common Stock 268648102 121 5,000 SH   DFND 12 0 5,000 0
E M C CORP MASS Common Stock 268648102 169 7,000 SH   DFND 05 06 0 7,000 0
EMERSON ELECTRIC Common Stock 291011104 581 13,145 SH   SOLE   13,145 0 0
EMERSON ELECTRIC Common Stock 291011104 49 1,100 SH   DFND 1 0 1,100 0
EMERSON ELECTRIC Common Stock 291011104 63 1,425 SH   DFND 6 0 1,425 0
EMERSON ELECTRIC Common Stock 291011104 94 2,132 SH   DFND 12 0 2,132 0
EMERSON ELECTRIC Common Stock 291011104 265 6,000 SH   DFND 05 06 0 6,000 0
EXXON MOBIL Common Stock 30231g102 883 11,882 SH   SOLE   11,882 0 0
EXXON MOBIL Common Stock 30231g102 56 750 SH   DFND 1 0 750 0
EXXON MOBIL Common Stock 30231g102 41 550 SH   DFND 12 0 550 0
EXXON MOBIL Common Stock 30231g102 260 3,500 SH   DFND 05 06 0 3,500 0
EXXON MOBIL Common Stock 30231g102 37 500 SH   DFND 6 0 500 0
FISERV Common Stock 337738108 349 4,035 SH   SOLE   4,035 0 0
FISERV Common Stock 337738108 30 350 SH   DFND 1 0 350 0
FISERV Common Stock 337738108 75 870 SH   DFND 6 0 870 0
FISERV Common Stock 337738108 346 4,000 SH   DFND 05 06 0 4,000 0
GENERAL ELECTRIC Common Stock 369604103 697 27,630 SH   SOLE   27,630 0 0
GENERAL ELECTRIC Common Stock 369604103 30 1,200 SH   DFND 1 0 1,200 0
HELMERICH & PAYNE Common Stock 423452101 151 3,190 SH   SOLE   3,190 0 0
HELMERICH & PAYNE Common Stock 423452101 19 400 SH   DFND 1 0 400 0
HELMERICH & PAYNE Common Stock 423452101 52 1,100 SH   DFND 6 0 1,100 0
HELMERICH & PAYNE Common Stock 423452101 38 800 SH   DFND 12 0 800 0
HOME DEPOT Common Stock 437076102 341 2,950 SH   SOLE   2,950 0 0
HOME DEPOT Common Stock 437076102 58 500 SH   DFND 1 0 500 0
HOME DEPOT Common Stock 437076102 46 400 SH   DFND 12 0 400 0
HOME DEPOT Common Stock 437076102 173 1,500 SH   DFND 05 06 0 1,500 0
HOME DEPOT Common Stock 437076102 58 500 SH   DFND 6 0 500 0
HONEYWELL INTL Common Stock 438516106 568 6,000 SH   SOLE   6,000 0 0
HONEYWELL INTL Common Stock 438516106 36 375 SH   DFND 12 0 375 0
INTEL CORP Common Stock 458140100 606 20,090 SH   SOLE   20,090 0 0
INTEL CORP Common Stock 458140100 54 1,800 SH   DFND 1 0 1,800 0
INTEL CORP Common Stock 458140100 86 2,850 SH   DFND 6 0 2,850 0
INTEL CORP Common Stock 458140100 69 2,300 SH   DFND 12 0 2,300 0
INTEL CORP Common Stock 458140100 271 9,000 SH   DFND 05 06 0 9,000 0
INTL BUSINESS MACH Common Stock 459200101 308 2,128 SH   SOLE   2,128 0 0
IPG PHOTONICS Common Stock 44980X109 5 60 SH   SOLE   60 0 0
IPG PHOTONICS Common Stock 44980X109 228 3,000 SH   DFND 05 06 0 3,000 0
IPG PHOTONICS Common Stock 44980X109 46 600 SH   DFND 6 0 600 0
JOHNSON & JOHNSON Common Stock 478160104 886 9,490 SH   SOLE   9,490 0 0
JOHNSON & JOHNSON Common Stock 478160104 84 900 SH   DFND 1 0 900 0
JOHNSON & JOHNSON Common Stock 478160104 117 1,250 SH   DFND 6 0 1,250 0
JOHNSON & JOHNSON Common Stock 478160104 205 2,200 SH   DFND 12 0 2,200 0
JOHNSON & JOHNSON Common Stock 478160104 336 3,600 SH   DFND 05 06 0 3,600 0
JOHNSON CONTROLS Common Stock 478366107 178 4,300 SH   SOLE   4,300 0 0
JOHNSON CONTROLS Common Stock 478366107 55 1,325 SH   DFND 6 0 1,325 0
JOHNSON CONTROLS Common Stock 478366107 124 3,000 SH   DFND 12 0 3,000 0
JOHNSON CONTROLS Common Stock 478366107 124 3,000 SH   DFND 05 06 0 3,000 0
MASTERCARD Common Stock 57636q104 193 2,140 SH   SOLE   2,140 0 0
MASTERCARD Common Stock 57636q104 18 200 SH   DFND 1 0 200 0
MASTERCARD Common Stock 57636q104 113 1,250 SH   DFND 6 0 1,250 0
MASTERCARD Common Stock 57636q104 90 1,000 SH   DFND 12 0 1,000 0
MASTERCARD Common Stock 57636q104 270 3,000 SH   DFND 05 06 0 3,000 0
MERCK Common Stock 58933y105 504 10,200 SH   SOLE   10,200 0 0
MERCK Common Stock 58933y105 35 700 SH   DFND 1 0 700 0
MERCK Common Stock 58933y105 20 400 SH   DFND 12 0 400 0
MERCK Common Stock 58933y105 74 1,500 SH   DFND 05 06 0 1,500 0
MICROSOFT CORP Common Stock 594918104 598 13,510 SH   SOLE   13,510 0 0
MICROSOFT CORP Common Stock 594918104 133 3,000 SH   DFND 12 0 3,000 0
MICROSOFT CORP Common Stock 594918104 66 1,500 SH   DFND 6 0 1,500 0
NESTLE SA ADR Common Stock 641069406 888 11,802 SH   SOLE   11,802 0 0
NESTLE SA ADR Common Stock 641069406 56 750 SH   DFND 1 0 750 0
NESTLE SA ADR Common Stock 641069406 109 1,450 SH   DFND 6 0 1,450 0
NESTLE SA ADR Common Stock 641069406 177 2,352 SH   DFND 12 0 2,352 0
NESTLE SA ADR Common Stock 641069406 282 3,750 SH   DFND 05 06 0 3,750 0
NOVARTIS AG ADR Common Stock 66987V109 908 9,880 SH   SOLE   9,880 0 0
NOVARTIS AG ADR Common Stock 66987V109 64 700 SH   DFND 1 0 700 0
NOVARTIS AG ADR Common Stock 66987V109 147 1,600 SH   DFND 6 0 1,600 0
NOVARTIS AG ADR Common Stock 66987V109 230 2,500 SH   DFND 12 0 2,500 0
NOVARTIS AG ADR Common Stock 66987V109 322 3,500 SH   DFND 05 06 0 3,500 0
NOVO NORDISK A S ADR Common Stock 670100205 231 4,250 SH   DFND 12 0 4,250 0
NOVOZYMES A S DKK 2.0 Common Stock B798FW902 483 11,090 SH   SOLE   11,090 0 0
NOVOZYMES A S DKK 2.0 Common Stock B798FW902 44 1,000 SH   DFND 1 0 1,000 0
NOVOZYMES A S DKK 2.0 Common Stock B798FW902 54 1,250 SH   DFND 12 0 1,250 0
NOVOZYMES A S DKK 2.0 Common Stock B798FW902 196 4,500 SH   DFND 05 06 0 4,500 0
NOVOZYMES A S DKK 2.0 Common Stock B798FW902 65 1,500 SH   DFND 6 0 1,500 0
NXP SEMICONDUCTORS Common Stock N6596X109 41 475 SH   SOLE   475 0 0
NXP SEMICONDUCTORS Common Stock N6596X109 67 765 SH   DFND 6 0 765 0
NXP SEMICONDUCTORS Common Stock N6596X109 174 2,000 SH   DFND 05 06 0 2,000 0
ORACLE Common Stock 68389x105 168 4,660 SH   SOLE   4,660 0 0
ORACLE Common Stock 68389x105 36 1,000 SH   DFND 1 0 1,000 0
ORACLE Common Stock 68389x105 49 1,350 SH   DFND 6 0 1,350 0
ORACLE Common Stock 68389x105 144 4,000 SH   DFND 05 06 0 4,000 0
PEMBINA PIPELINE CO Common Stock 706327103 34 1,425 SH   SOLE   1,425 0 0
PEMBINA PIPELINE CO Common Stock 706327103 18 750 SH   DFND 1 0 750 0
PEMBINA PIPELINE CO Common Stock 706327103 20 850 SH   DFND 6 0 850 0
PEMBINA PIPELINE CO Common Stock 706327103 156 6,500 SH   DFND 05 06 0 6,500 0
PEPSICO Common Stock 713448108 462 4,900 SH   SOLE   4,900 0 0
PEPSICO Common Stock 713448108 14 150 SH   DFND 6 0 150 0
PERRIGO CO Common Stock G97822103 146 930 SH   SOLE   930 0 0
PERRIGO CO Common Stock G97822103 6 40 SH   DFND 6 0 40 0
PERRIGO CO Common Stock G97822103 47 300 SH   DFND 12 0 300 0
PERRIGO CO Common Stock G97822103 157 1,000 SH   DFND 05 06 0 1,000 0
PROCTER & GAMBLE Common Stock 742718109 1,168 16,238 SH   SOLE   16,238 0 0
PROCTER & GAMBLE Common Stock 742718109 72 1,000 SH   DFND 1 0 1,000 0
PROCTER & GAMBLE Common Stock 742718109 92 1,275 SH   DFND 6 0 1,275 0
PROCTER & GAMBLE Common Stock 742718109 158 2,200 SH   DFND 12 0 2,200 0
PROCTER & GAMBLE Common Stock 742718109 216 3,000 SH   DFND 05 06 0 3,000 0
QUALCOMM Common Stock 747525103 213 3,965 SH   SOLE   3,965 0 0
QUALCOMM Common Stock 747525103 27 500 SH   DFND 1 0 500 0
QUALCOMM Common Stock 747525103 46 850 SH   DFND 6 0 850 0
QUALCOMM Common Stock 747525103 107 2,000 SH   DFND 12 0 2,000 0
ROCHE HLDG LTD ADR Common Stock 771195104 139 4,220 SH   SOLE   4,220 0 0
ROCHE HLDG LTD ADR Common Stock 771195104 59 1,800 SH   DFND 6 0 1,800 0
ROCHE HLDG LTD ADR Common Stock 771195104 16 500 SH   DFND 12 0 500 0
ROCKWELL AUTOMATION Common Stock 773903109 120 1,185 SH   SOLE   1,185 0 0
ROCKWELL AUTOMATION Common Stock 773903109 20 200 SH   DFND 1 0 200 0
ROCKWELL AUTOMATION Common Stock 773903109 74 725 SH   DFND 6 0 725 0
ROCKWELL AUTOMATION Common Stock 773903109 124 1,225 SH   DFND 12 0 1,225 0
ROCKWELL AUTOMATION Common Stock 773903109 152 1,500 SH   DFND 05 06 0 1,500 0
SCHLUMBERGER Common Stock 806857108 327 4,740 SH   SOLE   4,740 0 0
SCHLUMBERGER Common Stock 806857108 14 200 SH   DFND 1 0 200 0
SCHLUMBERGER Common Stock 806857108 64 930 SH   DFND 6 0 930 0
SCHLUMBERGER Common Stock 806857108 90 1,300 SH   DFND 12 0 1,300 0
SCHLUMBERGER Common Stock 806857108 138 2,000 SH   DFND 05 06 0 2,000 0
STATE STREET Common Stock 857477103 75 1,120 SH   SOLE   1,120 0 0
STATE STREET Common Stock 857477103 134 2,000 SH   DFND 05 06 0 2,000 0
TARGET CORP Common Stock 87612e106 160 2,030 SH   SOLE   2,030 0 0
TARGET CORP Common Stock 87612e106 157 2,000 SH   DFND 12 0 2,000 0
TARGET CORP Common Stock 87612e106 157 2,000 SH   DFND 05 06 0 2,000 0
UNILEVER PLC NEW ADR Common Stock 904767704 102 2,500 SH   SOLE   2,500 0 0
UNILEVER PLC NEW ADR Common Stock 904767704 43 1,050 SH   DFND 6 0 1,050 0
UNILEVER PLC NEW ADR Common Stock 904767704 33 800 SH   DFND 12 0 800 0
UNILEVER PLC NEW ADR Common Stock 904767704 82 2,000 SH   DFND 05 06 0 2,000 0
UNION PACIFIC Common Stock 907818108 725 8,200 SH   SOLE   8,200 0 0
UNITED TECHNOLOGIES Common Stock 913017109 316 3,555 SH   SOLE   3,555 0 0
UNITED TECHNOLOGIES Common Stock 913017109 18 200 SH   DFND 1 0 200 0
UNITED TECHNOLOGIES Common Stock 913017109 67 750 SH   DFND 6 0 750 0
UNITED TECHNOLOGIES Common Stock 913017109 125 1,400 SH   DFND 12 0 1,400 0
UNITED TECHNOLOGIES Common Stock 913017109 222 2,500 SH   DFND 05 06 0 2,500 0
XILINX Common Stock 983919101 56 1,310 SH   SOLE   1,310 0 0
XILINX Common Stock 983919101 54 1,275 SH   DFND 6 0 1,275 0
XILINX Common Stock 983919101 110 2,600 SH   DFND 12 0 2,600 0