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 608 3,450 SH   SOLE   3,450 0 0
3M Common Stock 88579Y101 1,687 9,571 SH   DFND 6 0 9,571 0
3M Common Stock 88579Y101 6 35 SH   DFND 15 0 35 0
3M Common Stock 88579Y101 125 710 SH   DFND 16 0 710 0
3M Common Stock 88579Y101 35 200 SH   DFND 1 0 200 0
ABBOTT LABS Common Stock 002824100 368 8,710 SH   SOLE   8,710 0 0
ABBOTT LABS Common Stock 002824100 1,340 31,677 SH   DFND 6 0 31,677 0
ABBOTT LABS Common Stock 002824100 7 175 SH   DFND 15 0 175 0
ABBOTT LABS Common Stock 002824100 63 1,500 SH   DFND 16 0 1,500 0
ABBOTT LABS Common Stock 002824100 8 200 SH   DFND 1 0 200 0
ABBVIE Common Stock 00287Y109 237 3,750 SH   SOLE   3,750 0 0
ABBVIE Common Stock 00287Y109 1,071 16,980 SH   DFND 6 0 16,980 0
ABBVIE Common Stock 00287Y109 3 50 SH   DFND 15 0 50 0
ALPHABET INC CL A Common Stock 02079K305 236 294 SH   SOLE   294 0 0
ALPHABET INC CL A Common Stock 02079K305 273 340 SH   DFND 6 0 340 0
ALPHABET INC CL A Common Stock 02079K305 7 9 SH   DFND 15 0 9 0
ALPHABET INC CL A Common Stock 02079K305 62 77 SH   DFND 16 0 77 0
APPLE INC Common Stock 037833100 232 2,050 SH   SOLE   2,050 0 0
APPLE INC Common Stock 037833100 883 7,809 SH   DFND 6 0 7,809 0
APPLE INC Common Stock 037833100 7 60 SH   DFND 15 0 60 0
APPLE INC Common Stock 037833100 71 630 SH   DFND 16 0 630 0
APPLE INC Common Stock 037833100 23 200 SH   DFND 1 0 200 0
APTARGROUP Common Stock 038336103 433 5,590 SH   SOLE   5,590 0 0
APTARGROUP Common Stock 038336103 1,486 19,195 SH   DFND 6 0 19,195 0
APTARGROUP Common Stock 038336103 6 75 SH   DFND 15 0 75 0
APTARGROUP Common Stock 038336103 101 1,300 SH   DFND 16 0 1,300 0
APTARGROUP Common Stock 038336103 31 400 SH   DFND 1 0 400 0
AUTOMATIC DATA PROCESSING Common Stock 053015103 600 6,800 SH   SOLE   6,800 0 0
AUTOMATIC DATA PROCESSING Common Stock 053015103 1,392 15,787 SH   DFND 6 0 15,787 0
AUTOMATIC DATA PROCESSING Common Stock 053015103 5 60 SH   DFND 15 0 60 0
AUTOMATIC DATA PROCESSING Common Stock 053015103 106 1,200 SH   DFND 16 0 1,200 0
AUTOMATIC DATA PROCESSING Common Stock 053015103 18 200 SH   DFND 1 0 200 0
BERKSHIRE HATHAWAY CL B Common Stock 084670702 168 1,164 SH   SOLE   1,164 0 0
BERKSHIRE HATHAWAY CL B Common Stock 084670702 246 1,700 SH   DFND 6 0 1,700 0
CANADIAN NATL RAILWAY Common Stock 136375102 504 7,710 SH   SOLE   7,710 0 0
CANADIAN NATL RAILWAY Common Stock 136375102 1,821 27,838 SH   DFND 6 0 27,838 0
CANADIAN NATL RAILWAY Common Stock 136375102 7 100 SH   DFND 15 0 100 0
CANADIAN NATL RAILWAY Common Stock 136375102 137 2,100 SH   DFND 16 0 2,100 0
CANADIAN NATL RAILWAY Common Stock 136375102 23 350 SH   DFND 1 0 350 0
CHEVRON Common Stock 166764100 124 1,200 SH   SOLE   1,200 0 0
CHEVRON Common Stock 166764100 5 45 SH   DFND 15 0 45 0
CHEVRON Common Stock 166764100 582 5,655 SH   DFND 6 0 5,655 0
CHEVRON Common Stock 166764100 31 300 SH   DFND 16 0 300 0
CHUBB LIMITED Common Stock H1467J104 210 1,670 SH   SOLE   1,670 0 0
CHUBB LIMITED Common Stock H1467J104 576 4,583 SH   DFND 6 0 4,583 0
CHUBB LIMITED Common Stock H1467J104 6 50 SH   DFND 15 0 50 0
CHUBB LIMITED Common Stock H1467J104 64 510 SH   DFND 16 0 510 0
CHUBB LIMITED Common Stock H1467J104 13 100 SH   DFND 1 0 100 0
CVS HEALTH Common Stock 126650100 525 5,905 SH   SOLE   5,905 0 0
CVS HEALTH Common Stock 126650100 1,399 15,722 SH   DFND 6 0 15,722 0
CVS HEALTH Common Stock 126650100 7 75 SH   DFND 15 0 75 0
CVS HEALTH Common Stock 126650100 133 1,500 SH   DFND 16 0 1,500 0
CVS HEALTH Common Stock 126650100 13 150 SH   DFND 1 0 150 0
DANAHER CORP Common Stock 235851102 95 1,212 SH   SOLE   1,212 0 0
DANAHER CORP Common Stock 235851102 151 1,925 SH   DFND 6 0 1,925 0
DANAHER CORP Common Stock 235851102 5 70 SH   DFND 15 0 70 0
DANAHER CORP Common Stock 235851102 8 100 SH   DFND 1 0 100 0
DANAHER CORP Common Stock 235851102 20 250 SH   DFND 16 0 250 0
DOW CHEMICAL Common Stock 260543103 16 300 SH   SOLE   300 0 0
DOW CHEMICAL Common Stock 260543103 31 600 SH   DFND 1 0 600 0
DOW CHEMICAL Common Stock 260543103 156 3,016 SH   DFND 6 0 3,016 0
DOW CHEMICAL Common Stock 260543103 5 100 SH   DFND 16 0 100 0
EDWARDS LIFESCIENCES Common Stock 28176E108 304 2,520 SH   SOLE   2,520 0 0
EMERSON ELECTRIC Common Stock 291011104 104 1,900 SH   SOLE   1,900 0 0
EMERSON ELECTRIC Common Stock 291011104 442 8,104 SH   DFND 6 0 8,104 0
EMERSON ELECTRIC Common Stock 291011104 16 300 SH   DFND 1 0 300 0
ENERGY TRANSFER PTNRS LP Common Stock 29273R109 281 7,600 SH   DFND 6 0 7,600 0
EXXON MOBIL Common Stock 30231G102 154 1,770 SH   SOLE   1,770 0 0
EXXON MOBIL Common Stock 30231G102 1,488 17,049 SH   DFND 6 0 17,049 0
EXXON MOBIL Common Stock 30231G102 4 45 SH   DFND 15 0 45 0
EXXON MOBIL Common Stock 30231G102 35 400 SH   DFND 1 0 400 0
EXXON MOBIL Common Stock 30231G102 61 700 SH   DFND 16 0 700 0
FISERV Common Stock 337738108 333 3,352 SH   SOLE   3,352 0 0
FISERV Common Stock 337738108 445 4,475 SH   DFND 6 0 4,475 0
FISERV Common Stock 337738108 7 75 SH   DFND 15 0 75 0
FISERV Common Stock 337738108 119 1,200 SH   DFND 16 0 1,200 0
GENERAL ELECTRIC Common Stock 369604103 27 900 SH   SOLE   900 0 0
GENERAL ELECTRIC Common Stock 369604103 261 8,805 SH   DFND 6 0 8,805 0
GENERAL ELECTRIC Common Stock 369604103 30 1,000 SH   DFND 1 0 1,000 0
GENERAL MILLS Common Stock 370334104 1,643 25,719 SH   DFND 6 0 25,719 0
GLU MOBILE Common Stock 379890106 22 10,000 SH   DFND 6 0 10,000 0
HELMERICH & PAYNE Common Stock 423452101 253 3,756 SH   SOLE   3,756 0 0
HELMERICH & PAYNE Common Stock 423452101 37 550 SH   DFND 16 0 550 0
HOME DEPOT Common Stock 437076102 18 140 SH   SOLE   140 0 0
HOME DEPOT Common Stock 437076102 132 1,025 SH   DFND 6 0 1,025 0
HOME DEPOT Common Stock 437076102 77 600 SH   DFND 16 0 600 0
HONEYWELL INTL Common Stock 438516106 415 3,558 SH   DFND 6 0 3,558 0
INTEL CORP Common Stock 458140100 305 8,075 SH   SOLE   8,075 0 0
INTEL CORP Common Stock 458140100 758 20,075 SH   DFND 6 0 20,075 0
INTEL CORP Common Stock 458140100 104 2,750 SH   DFND 16 0 2,750 0
INTEL CORP Common Stock 458140100 19 500 SH   DFND 1 0 500 0
INTL BUSINESS MACH Common Stock 459200101 222 1,400 SH   DFND 6 0 1,400 0
ISHARES S&P 500 Common Stock 464287200 251 1,156 SH   SOLE   1,156 0 0
JOHNSON & JOHNSON Common Stock 478160104 665 5,630 SH   SOLE   5,630 0 0
JOHNSON & JOHNSON Common Stock 478160104 1,845 15,621 SH   DFND 6 0 15,621 0
JOHNSON & JOHNSON Common Stock 478160104 6 50 SH   DFND 15 0 50 0
JOHNSON & JOHNSON Common Stock 478160104 171 1,450 SH   DFND 16 0 1,450 0
JOHNSON & JOHNSON Common Stock 478160104 41 350 SH   DFND 1 0 350 0
MASTERCARD Common Stock 57636q104 421 4,140 SH   SOLE   4,140 0 0
MASTERCARD Common Stock 57636q104 1,000 9,830 SH   DFND 6 0 9,830 0
MASTERCARD Common Stock 57636q104 10 100 SH   DFND 15 0 100 0
MASTERCARD Common Stock 57636q104 117 1,150 SH   DFND 16 0 1,150 0
MASTERCARD Common Stock 57636q104 10 100 SH   DFND 1 0 100 0
MICROSOFT CORP Common Stock 594918104 107 1,850 SH   SOLE   1,850 0 0
MICROSOFT CORP Common Stock 594918104 1,219 21,167 SH   DFND 6 0 21,167 0
MICROSOFT CORP Common Stock 594918104 35 600 SH   DFND 1 0 600 0
NESTLE SA ADR Common Stock 641069406 489 6,194 SH   SOLE   6,194 0 0
NESTLE SA ADR Common Stock 641069406 1,373 17,381 SH   DFND 6 0 17,381 0
NESTLE SA ADR Common Stock 641069406 6 70 SH   DFND 15 0 70 0
NESTLE SA ADR Common Stock 641069406 30 375 SH   DFND 1 0 375 0
NESTLE SA ADR Common Stock 641069406 91 1,150 SH   DFND 16 0 1,150 0
NORFOLK SOUTHERN Common Stock 655844108 303 3,120 SH   DFND 6 0 3,120 0
NOVARTIS AG ADR Common Stock 66987V109 300 3,795 SH   SOLE   3,795 0 0
NOVARTIS AG ADR Common Stock 66987V109 935 11,840 SH   DFND 6 0 11,840 0
NOVARTIS AG ADR Common Stock 66987V109 6 75 SH   DFND 15 0 75 0
NOVARTIS AG ADR Common Stock 66987V109 97 1,225 SH   DFND 16 0 1,225 0
NOVARTIS AG ADR Common Stock 66987V109 28 350 SH   DFND 1 0 350 0
NOVO NORDISK A S ADR Common Stock 670100205 48 1,155 SH   SOLE   1,155 0 0
NOVO NORDISK A S ADR Common Stock 670100205 455 10,930 SH   DFND 6 0 10,930 0
NOVO NORDISK A S ADR Common Stock 670100205 5 125 SH   DFND 15 0 125 0
NOVOZYMES A S DKK 2.0 Common Stock B798FW902 221 5,025 SH   SOLE   5,025 0 0
NOVOZYMES A S DKK 2.0 Common Stock B798FW902 900 20,453 SH   DFND 6 0 20,453 0
NOVOZYMES A S DKK 2.0 Common Stock B798FW902 68 1,550 SH   DFND 16 0 1,550 0
NXP SEMICONDUCTORS Common Stock N6596X109 48 475 SH   SOLE   475 0 0
NXP SEMICONDUCTORS Common Stock N6596X109 5 50 SH   DFND 15 0 50 0
NXP SEMICONDUCTORS Common Stock N6596X109 282 2,760 SH   DFND 6 0 2,760 0
NXP SEMICONDUCTORS Common Stock N6596X109 26 250 SH   DFND 16 0 250 0
NXP SEMICONDUCTORS Common Stock N6596X109 10 100 SH   DFND 1 0 100 0
ORACLE Common Stock 68389x105 171 4,350 SH   SOLE   4,350 0 0
ORACLE Common Stock 68389x105 4 95 SH   DFND 15 0 95 0
ORACLE Common Stock 68389x105 471 12,000 SH   DFND 6 0 12,000 0
ORACLE Common Stock 68389x105 96 2,450 SH   DFND 16 0 2,450 0
ORACLE Common Stock 68389x105 20 500 SH   DFND 1 0 500 0
PEPSICO Common Stock 713448108 278 2,555 SH   SOLE   2,555 0 0
PEPSICO Common Stock 713448108 456 4,190 SH   DFND 6 0 4,190 0
PEPSICO Common Stock 713448108 33 300 SH   DFND 1 0 300 0
PEPSICO Common Stock 713448108 65 600 SH   DFND 16 0 600 0
PEREGRINE PHARMACEUTICALS Common Stock 713661304 2 5,000 SH   DFND 15 0 5,000 0
PEREGRINE PHARMACEUTICALS Common Stock 713661304 2 5,000 SH   DFND 6 0 5,000 0
PROCTER & GAMBLE Common Stock 742718109 483 5,385 SH   SOLE   5,385 0 0
PROCTER & GAMBLE Common Stock 742718109 1,882 20,973 SH   DFND 6 0 20,973 0
PROCTER & GAMBLE Common Stock 742718109 7 75 SH   DFND 15 0 75 0
PROCTER & GAMBLE Common Stock 742718109 91 1,015 SH   DFND 16 0 1,015 0
PROCTER & GAMBLE Common Stock 742718109 45 500 SH   DFND 1 0 500 0
QUALCOMM Common Stock 747525103 221 3,225 SH   SOLE   3,225 0 0
QUALCOMM Common Stock 747525103 358 5,220 SH   DFND 6 0 5,220 0
QUALCOMM Common Stock 747525103 5 80 SH   DFND 15 0 80 0
QUALCOMM Common Stock 747525103 70 1,025 SH   DFND 16 0 1,025 0
ROCHE HLDG LTD ADR Common Stock 771195104 146 4,705 SH   SOLE   4,705 0 0
ROCHE HLDG LTD ADR Common Stock 771195104 2 50 SH   DFND 6 0 50 0
ROCHE HLDG LTD ADR Common Stock 771195104 60 1,950 SH   DFND 16 0 1,950 0
ROCHE HLDG LTD ADR Common Stock 771195104 19 600 SH   DFND 1 0 600 0
ROCKWELL AUTOMATION Common Stock 773903109 148 1,210 SH   SOLE   1,210 0 0
ROCKWELL AUTOMATION Common Stock 773903109 719 5,875 SH   DFND 6 0 5,875 0
ROCKWELL AUTOMATION Common Stock 773903109 37 300 SH   DFND 16 0 300 0
SCHLUMBERGER Common Stock 806857108 122 1,556 SH   SOLE   1,556 0 0
SCHLUMBERGER Common Stock 806857108 282 3,591 SH   DFND 6 0 3,591 0
SCHLUMBERGER Common Stock 806857108 4 45 SH   DFND 15 0 45 0
SCHLUMBERGER Common Stock 806857108 16 200 SH   DFND 1 0 200 0
SCHLUMBERGER Common Stock 806857108 9 110 SH   DFND 16 0 110 0
STATE STREET Common Stock 857477103 207 2,975 SH   SOLE   2,975 0 0
STATE STREET Common Stock 857477103 5 75 SH   DFND 15 0 75 0
STATE STREET Common Stock 857477103 7 100 SH   DFND 6 0 100 0
UNILEVER PLC NEW ADR Common Stock 904767704 182 3,850 SH   SOLE   3,850 0 0
UNILEVER PLC NEW ADR Common Stock 904767704 196 4,140 SH   DFND 6 0 4,140 0
UNILEVER PLC NEW ADR Common Stock 904767704 5 100 SH   DFND 15 0 100 0
UNILEVER PLC NEW ADR Common Stock 904767704 47 1,000 SH   DFND 16 0 1,000 0
UNITED TECHNOLOGIES Common Stock 913017109 189 1,860 SH   SOLE   1,860 0 0
UNITED TECHNOLOGIES Common Stock 913017109 111 1,095 SH   DFND 6 0 1,095 0
UNITED TECHNOLOGIES Common Stock 913017109 6 60 SH   DFND 15 0 60 0
UNITED TECHNOLOGIES Common Stock 913017109 61 600 SH   DFND 16 0 600 0
XILINX Common Stock 983919101 124 2,290 SH   SOLE   2,290 0 0
XILINX Common Stock 983919101 144 2,650 SH   DFND 6 0 2,650 0
XILINX Common Stock 983919101 5 90 SH   DFND 15 0 90 0
XILINX Common Stock 983919101 41 750 SH   DFND 16 0 750 0
XYLEM INC Common Stock 98419M100 205 3,917 SH   SOLE   3,917 0 0
XYLEM INC Common Stock 98419M100 46 880 SH   DFND 6 0 880 0
XYLEM INC Common Stock 98419M100 5 90 SH   DFND 15 0 90 0
XYLEM INC Common Stock 98419M100 76 1,450 SH   DFND 16 0 1,450 0
YUM BRANDS Common Stock 988498101 5 50 SH   DFND 15 0 50 0
YUM BRANDS Common Stock 988498101 730 8,040 SH   DFND 6 0 8,040 0