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
ALLERGAN PLC SHS COMMON STOCK G0177J108 455 1,974 SH   SOLE   1,974 0 0
ACCENTURE PLC COMMON STOCK G1151C101 8 65 SH   SOLE   65 0 0
DELPHI AUTOMOTIVE PLC COMMON STOCK G27823106 55 766 SH   SOLE   766 0 0
ICON PLC COMMON STOCK G4705A100 71 924 SH   SOLE   924 0 0
JOHNSON CNTRLS INTERNATIONAL PLC COMMON STOCK G51502105 23 501 SH   SOLE   0 0 501
PENTAIR PLC USD COMMON STOCK G7S00T104 5 80 SH   SOLE   80 0 0
CHUBB LTD COMMON STOCK H1467J104 240 1,910 SH   SOLE   1,910 0 0
CHECK POINT SOFTWARE TECH COMMON STOCK M22465104 26 340 SH   SOLE   340 0 0
MYLAN NV EUR COMMON STOCK N59465109 34 900 SH   SOLE   0 0 900
NXP SEMICONDUCTORS N.V. FOREIGN EQUITIES N6596X109 152 1,494 SH   SOLE   1,494 0 0
BROADCOM LTD NPV COMMON STOCK Y09827109 303 1,759 SH   SOLE   1,759 0 0
AFLAC COMMON STOCK 001055102 331 4,605 SH   SOLE   4,605 0 0
AT&T INC COMMON STOCK 00206R102 2,201 54,197 SH   SOLE   50,697 3,500 0
AT&T INC COMMON STOCK 00206R102 133 3,282 SH   DFND   3,282 0 0
ABBOTT LABS COMMON STOCK 002824100 487 11,507 SH   SOLE   4,757 6,750 0
ABBOTT LABS COMMON STOCK 002824100 22 510 SH   DFND   510 0 0
ABBVIE INC COMMON STOCK 00287Y109 953 15,118 SH   SOLE   8,118 7,000 0
ABBVIE INC COMMON STOCK 00287Y109 6 93 SH   DFND   93 0 0
ALBEMARLE CORP COMMON STOCK 012653101 47 555 SH   SOLE   555 0 0
ALIBABA GROUP HLDG COMMON STOCK 01609W102 28 260 SH   SOLE   260 0 0
ALLSTATE COMMON STOCK 020002101 10 150 SH   DFND   150 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107 581 748 SH   SOLE   748 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107 5 6 SH   DFND   6 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305 757 941 SH   SOLE   941 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305 8 10 SH   DFND   10 0 0
ALTRIA GROUP COMMON STOCK 02209S103 1,820 28,783 SH   SOLE   24,283 4,500 0
ALTRIA GROUP COMMON STOCK 02209S103 66 1,042 SH   DFND   1,042 0 0
AMAZON COM INC COMMON STOCK 023135106 573 684 SH   SOLE   684 0 0
AMERICAN ELECTRIC POWER COMMON STOCK 025537101 345 5,367 SH   SOLE   5,367 0 0
AMERICAN ELECTRIC POWER COMMON STOCK 025537101 80 1,240 SH   DFND   240 1,000 0
AMERICAN EXPRESS COMMON STOCK 025816109 8 120 SH   SOLE   120 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 254 3,390 SH   SOLE   3,390 0 0
AMGEN COMMON STOCK 031162100 1,839 11,025 SH   SOLE   11,025 0 0
ANHEUSER BUSCH INBEV SA ADR COMMON STOCK 03524A108 46 347 SH   SOLE   347 0 0
ANTHEM INC COMMON STOCK 036752103 38 300 SH   SOLE   0 0 300
APACHE COMMON STOCK 037411105 23 355 SH   SOLE   0 0 355
APPLE COMPUTER COMMON STOCK 037833100 1,331 11,775 SH   SOLE   11,775 0 0
APPLE COMPUTER COMMON STOCK 037833100 37 325 SH   DFND   325 0 0
ASTRAZENECA PLC SPONS ADR FOREIGN EQUITIES 046353108 288 8,775 SH   SOLE   1,325 7,450 0
AUTOZONE INC COM COMMON STOCK 053332102 328 427 SH   SOLE   427 0 0
AUTOZONE INC COM COMMON STOCK 053332102 8 10 SH   DFND   10 0 0
AVERY DENNISON COMMON STOCK 053611109 11 135 SH   SOLE   135 0 0
BB&T COMMON STOCK 054937107 2 60 SH   SOLE   60 0 0
BCE INC NEW FOREIGN EQUITIES 05534B760 926 20,062 SH   SOLE   18,362 1,700 0
BCE INC NEW FOREIGN EQUITIES 05534B760 39 840 SH   DFND   840 0 0
BP PLC SPONSORED ADR FOREIGN EQUITIES 055622104 256 7,278 SH   SOLE   7,278 0 0
BP PLC SPONSORED ADR FOREIGN EQUITIES 055622104 18 513 SH   DFND   513 0 0
BAIDU INC COMMON STOCK 056752108 127 700 SH   SOLE   700 0 0
BANK OF AMERICA COMMON STOCK 060505104 17 1,110 SH   SOLE   610 0 500
BARCLAYS BK PLC PFD 8.125% PREFERRED STOCK 06739H362 52 2,000 SH   SOLE   2,000 0 0
BECTON DICKINSON & CO COMMON STOCK 075887109 22 123 SH   SOLE   123 0 0
BERKSHIRE HATHAWAY INC DEL COMMON STOCK 084670702 373 2,581 SH   SOLE   2,581 0 0
BERKSHIRE HATHAWAY INC DEL COMMON STOCK 084670702 48 330 SH   DFND   330 0 0
BRISTOL MYERS SQUIBB COMMON STOCK 110122108 162 3,000 SH   SOLE   1,000 2,000 0
BRITISH AMERN TOB PLC SPONSORED ADR COMMON STOCK 110448107 5 39 SH   SOLE   39 0 0
BROADRIDGE FINL SOLUTIONS INC COMMON STOCK 11133T103 13 185 SH   SOLE   185 0 0
CBOE HOLDINGS, INC. COMMON STOCK 12503M108 15 230 SH   SOLE   230 0 0
CSX CORP COM COMMON STOCK 126408103 10 323 SH   SOLE   323 0 0
CVS COMMON STOCK 126650100 307 3,454 SH   SOLE   3,454 0 0
CVS COMMON STOCK 126650100 17 190 SH   DFND   190 0 0
CAPITAL ONE FINANCIAL COMMON STOCK 14040H105 30 413 SH   SOLE   0 0 413
CARDINAL HEALTH COMMON STOCK 14149Y108 16 200 SH   SOLE   0 0 200
CARTER INC COM COMMON STOCK 146229109 56 650 SH   SOLE   650 0 0
CELGENE CORP COMMON STOCK 151020104 202 1,928 SH   SOLE   1,928 0 0
CELGENE CORP COMMON STOCK 151020104 3 26 SH   DFND   26 0 0
CHEVRON TEXACO COMMON STOCK 166764100 1,602 15,562 SH   SOLE   6,062 9,500 0
CHEVRON TEXACO COMMON STOCK 166764100 40 384 SH   DFND   384 0 0
CISCO SYSTEMS COMMON STOCK 17275R102 5 150 SH   SOLE   150 0 0
CITIGROUP INC COM NEW COMMON STOCK 172967424 63 1,330 SH   SOLE   1,330 0 0
CITRIX SYSTEMS COMMON STOCK 177376100 95 1,116 SH   SOLE   1,116 0 0
COACH INC COMMON STOCK 189754104 16 443 SH   SOLE   443 0 0
COCA-COLA COMMON STOCK 191216100 1,073 25,351 SH   SOLE   23,101 2,250 0
COCA-COLA COMMON STOCK 191216100 11 265 SH   DFND   265 0 0
COMCAST CL A COMMON STOCK 20030N101 800 12,059 SH   SOLE   12,059 0 0
COMCAST CL A COMMON STOCK 20030N101 29 436 SH   DFND   436 0 0
CONSOLIDATED EDISON COMMON STOCK 209115104 70 924 SH   SOLE   924 0 0
CONSOLIDATED EDISON COMMON STOCK 209115104 54 723 SH   DFND   723 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 375 2,462 SH   SOLE   2,462 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 4 24 SH   DFND   24 0 0
CROSS TIMBERS RTY UNIT COMMON STOCK 22757R109 0 4 SH   SOLE   0 0 4
CROWN CASTLE INTL CORP COMMON STOCK 22822V101 765 8,121 SH   SOLE   8,121 0 0
CROWN CASTLE INTL CORP COMMON STOCK 22822V101 23 242 SH   DFND   242 0 0
CROWN HOLDINGS INC COMMON STOCK 228368106 10 174 SH   SOLE   174 0 0
DANAHER CORP COMMON STOCK 235851102 164 2,096 SH   SOLE   2,096 0 0
DANAHER CORP COMMON STOCK 235851102 3 38 SH   DFND   38 0 0
DELL TECHNOLOGIES COMMON STOCK 24703L103 58 1,206 SH   SOLE   1,206 0 0
DELL TECHNOLOGIES COMMON STOCK 24703L103 1 22 SH   DFND   22 0 0
DIAGEO P L C SPON ADR NEW COMMON STOCK 25243Q205 104 899 SH   SOLE   899 0 0
DISNEY COMMON STOCK 254687106 410 4,418 SH   SOLE   4,418 0 0
DISNEY COMMON STOCK 254687106 32 340 SH   DFND   340 0 0
DISCOVERY COMMUNICATIONS INC CL A COMMON STOCK 25470F104 1 50 SH   SOLE   50 0 0
DOLLAR TREE, INC. COMMON STOCK 256746108 261 3,309 SH   SOLE   3,309 0 0
DOLLAR TREE, INC. COMMON STOCK 256746108 4 56 SH   DFND   56 0 0
DOMINION RESOURCES COMMON STOCK 25746U109 983 13,233 SH   SOLE   12,233 1,000 0
DOMINION RESOURCES COMMON STOCK 25746U109 42 570 SH   DFND   570 0 0
DOW CHEMICAL COMMON STOCK 260543103 55 1,058 SH   SOLE   1,058 0 0
DR PEPPER SNAPPLE GROUP COMMON STOCK 26138E109 19 205 SH   SOLE   205 0 0
DUKE ENERGY CORP NEW COMMON STOCK 26441C204 1,075 13,425 SH   SOLE   13,425 0 0
DUKE ENERGY CORP NEW COMMON STOCK 26441C204 132 1,644 SH   DFND   544 1,100 0
ECOLAB INC COM COMMON STOCK 278865100 175 1,441 SH   SOLE   1,441 0 0
ECOLAB INC COM COMMON STOCK 278865100 4 32 SH   DFND   32 0 0
EDISON INTERNATIONAL COMMON STOCK 281020107 14 200 SH   DFND   200 0 0
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 41 1,475 SH   SOLE   1,475 0 0
EQUIFAX INC COMMON STOCK 294429105 399 2,964 SH   SOLE   2,964 0 0
EQUITY COMMONWEALTH (EQC) COMMON STOCK 294628102 15 489 SH   SOLE   489 0 0
EURONET WORLDWIDE COMMON STOCK 298736109 111 1,360 SH   SOLE   1,360 0 0
EXPEDITORS INTL WASH INC COMMON STOCK 302130109 225 4,376 SH   SOLE   4,376 0 0
EXPEDITORS INTL WASH INC COMMON STOCK 302130109 4 76 SH   DFND   76 0 0
EXPRESS SCRIPTS HLDGS CO COMMON STOCK 30219G108 439 6,230 SH   SOLE   6,230 0 0
EXPRESS SCRIPTS HLDGS CO COMMON STOCK 30219G108 6 78 SH   DFND   78 0 0
EXXON MOBIL COMMON STOCK 30231G102 5,294 60,652 SH   SOLE   4,652 56,000 0
EXXON MOBIL COMMON STOCK 30231G102 103 1,183 SH   DFND   1,183 0 0
FACEBOOK, INC. COMMON STOCK 30303M102 371 2,894 SH   SOLE   2,894 0 0
FASTENAL COMPANY COMMON STOCK 311900104 58 1,390 SH   SOLE   1,390 0 0
FEDEX COMMON STOCK 31428X106 130 742 SH   SOLE   627 0 115
FEDEX COMMON STOCK 31428X106 3 16 SH   DFND   16 0 0
FIDELITY NAT'L INFORMATION COMMON STOCK 31620M106 82 1,070 SH   SOLE   1,070 0 0
FIRST REPUBLIC BANK OF SAN FRANCISCO COMMON STOCK 33616C100 96 1,250 SH   SOLE   1,250 0 0
FORTIVE CORP COMMON STOCK 34959J108 63 1,233 SH   SOLE   1,233 0 0
FORTIVE CORP COMMON STOCK 34959J108 1 18 SH   DFND   18 0 0
GENERAL ELECTRIC COMMON STOCK 369604103 88 2,975 SH   SOLE   0 2,975 0
GENERAL MILLS COMMON STOCK 370334104 408 6,390 SH   SOLE   6,390 0 0
GENERAL MILLS COMMON STOCK 370334104 10 159 SH   DFND   159 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 63 800 SH   SOLE   800 0 0
GLAXO SMITHKLINE PLC ADR FOREIGN EQUITIES 37733W105 1,117 25,898 SH   SOLE   23,898 2,000 0
GLAXO SMITHKLINE PLC ADR FOREIGN EQUITIES 37733W105 48 1,114 SH   DFND   1,114 0 0
CGI GROUP, INC COMMON STOCK 39945C109 30 627 SH   SOLE   627 0 0
HDFC BANK LTD ADR COMMON STOCK 40415F101 28 390 SH   SOLE   390 0 0
HD SUPPLY HLDGS INC COMMON STOCK 40416M105 8 235 SH   SOLE   235 0 0
HANCOCK JOHN INV TR MUTUAL FUNDS-TAXABLE 410142103 8 500 SH   SOLE   500 0 0
HARTFORD FINL SVCS GROUP COMMON STOCK 416515104 13 300 SH   DFND   300 0 0
HEXCEL CORP NEW COM COMMON STOCK 428291108 83 1,875 SH   SOLE   1,875 0 0
HILTON WORLDWIDE HLDGS INC COMMON STOCK 43300A104 1 50 SH   SOLE   50 0 0
HOME DEPOT COMMON STOCK 437076102 876 6,810 SH   SOLE   6,310 0 500
HOME DEPOT COMMON STOCK 437076102 31 238 SH   DFND   238 0 0
HONEYWELL INTERNATIONAL COMMON STOCK 438516106 563 4,830 SH   SOLE   4,830 0 0
HONEYWELL INTERNATIONAL COMMON STOCK 438516106 91 778 SH   DFND   178 600 0
HUGOTON ROYALTY TRUST UNIT COMMON STOCK 444717102 0 51 SH   DFND   0 0 51
ING GROEP N V SPONSORED ADR FOREIGN EQUITIES 456837103 48 3,875 SH   SOLE   3,875 0 0
INTEL COMMON STOCK 458140100 36 950 SH   SOLE   950 0 0
IBM COMMON STOCK 459200101 16 100 SH   SOLE   0 0 100
ISHARES MSCI JAPAN INDEX COMMON STOCK 464286848 92 7,365 SH   SOLE   7,365 0 0
ISHARES TIPS BOND ETF FIXED INCOME ETF TAXABLE 464287176 2,383 20,455 SH   SOLE   20,395 0 60
ISHARES TIPS BOND ETF FIXED INCOME ETF TAXABLE 464287176 194 1,665 SH   DFND   1,665 0 0
I SHARES CORE US AGG BOND M FIXED INCOME ETF TAXABLE 464287226 2,403 21,374 SH   SOLE   21,244 0 130
I SHARES CORE US AGG BOND M FIXED INCOME ETF TAXABLE 464287226 291 2,593 SH   DFND   2,593 0 0
ISHARES MSCI EMERGING MKTS ETF EQUITY ETF 464287234 28 743 SH   SOLE   743 0 0
ISHARES MSCI EMERGING MKTS ETF EQUITY ETF 464287234 31 835 SH   DFND   835 0 0
ISHARES IBOXX USD INV GRADE CORP BD ETF FIXED INCOME ETF TAXABLE 464287242 57 465 SH   SOLE   465 0 0
ISHARES TR GLOBAL HEALTHCARE ETF COMMON STOCK 464287325 33 331 SH   SOLE   331 0 0
ISHARES MSCI EAFE ETF EQUITY ETF 464287465 145 2,457 SH   SOLE   682 1,775 0
ISHARES MSCI EAFE ETF EQUITY ETF 464287465 38 650 SH   DFND   650 0 0
ISHARES RUSSELL MIDCAP VALUE EQUITY ETF 464287473 9 113 SH   SOLE   113 0 0
ISHARES S&P MIDCAP 400 COMMON STOCK 464287507 84 540 SH   SOLE   540 0 0
ISHARES S&P MIDCAP 400 COMMON STOCK 464287507 31 200 SH   DFND   200 0 0
ISHARES RUSSELL 1000 VALUE INDEX FUND EQUITY ETF 464287598 14 129 SH   SOLE   129 0 0
ISHARES RUSSELL 1000 GRWTH INDEX FUND EQUITY ETF 464287614 16 150 SH   SOLE   150 0 0
ISHARES RUSSELL 1000 ETF EQUITY ETF 464287622 7 59 SH   SOLE   59 0 0
ISHARES RUSSELL 2000 INDEX FUND EQUITY ETF 464287655 293 2,362 SH   SOLE   2,362 0 0
ISHARES S&P SMALLCAP 600 INDEX FUND EQUITY ETF 464287804 5,112 41,178 SH   SOLE   38,728 1,500 950
ISHARES S&P SMALLCAP 600 INDEX FUND EQUITY ETF 464287804 393 3,168 SH   DFND   3,168 0 0
ISHARES TR MSCI EAFE SMALL- CAP ETF COMMON STOCK 464288273 52 988 SH   SOLE   988 0 0
ISHARES NATL MUNI BOND ETF FIXED INCOME ETF TAX EXEMPT 464288414 7 60 SH   SOLE   60 0 0
ISHARES TR DOW JONES EPAC SELECT DIV INDX FD EQUITY ETF 464288448 2,530 84,415 SH   SOLE   84,415 0 0
ISHARES TR DOW JONES EPAC SELECT DIV INDX FD EQUITY ETF 464288448 36 1,200 SH   DFND   1,200 0 0
I SHARES IBOXX USD H/Y CORP BOND ETF FIXED INCOME ETF TAXABLE 464288513 149 1,704 SH   SOLE   1,704 0 0
I SHARES IBOXX USD H/Y CORP BOND ETF FIXED INCOME ETF TAXABLE 464288513 7 80 SH   DFND   80 0 0
I SHARES MBS ETF FIXED INCOME ETF TAXABLE 464288588 11 104 SH   SOLE   104 0 0
I SHARES MBS ETF FIXED INCOME ETF TAXABLE 464288588 28 256 SH   DFND   256 0 0
ISHARES INTERMEDIATE CREDIT BOND ETF FIXED INCOME ETF TAXABLE 464288638 3,407 30,595 SH   SOLE   30,405 0 190
ISHARES INTERMEDIATE CREDIT BOND ETF FIXED INCOME ETF TAXABLE 464288638 281 2,528 SH   DFND   2,528 0 0
I SHARES 1-3 YR CREDIT BOND ETF FIXED INCOME ETF TAXABLE 464288646 8,006 75,704 SH   SOLE   75,114 0 590
I SHARES 1-3 YR CREDIT BOND ETF FIXED INCOME ETF TAXABLE 464288646 705 6,664 SH   DFND   6,664 0 0
ISHARES S&P US PFD STK COMMON STOCK 464288687 257 6,500 SH   SOLE   6,500 0 0
ISHARES 0-5 YEARS TIPS BOND EQUITY ETF 46429B747 25 250 SH   SOLE   250 0 0
ISHARES TR ISHARES CURRENCY HEDGED COMMON STOCK 46434V886 2 100 SH   SOLE   100 0 0
JP MORGAN CHASE COMMON STOCK 46625H100 540 8,110 SH   SOLE   1,610 6,500 0
JP MORGAN CHASE COMMON STOCK 46625H100 34 507 SH   DFND   450 0 57
JOHNSON & JOHNSON COMMON STOCK 478160104 1,549 13,114 SH   SOLE   10,614 2,500 0
JOHNSON & JOHNSON COMMON STOCK 478160104 65 552 SH   DFND   552 0 0
KIMBERLY CLARK COMMON STOCK 494368103 1,039 8,236 SH   SOLE   6,236 2,000 0
KIMBERLY CLARK COMMON STOCK 494368103 32 253 SH   DFND   253 0 0
KRAFT HEINZ CO COMMON STOCK 500754106 800 8,934 SH   SOLE   8,934 0 0
KRAFT HEINZ CO COMMON STOCK 500754106 144 1,613 SH   DFND   363 1,250 0
KROGER COMMON STOCK 501044101 281 9,470 SH   SOLE   9,470 0 0
KROGER COMMON STOCK 501044101 2 74 SH   DFND   74 0 0
LABORATORY CORP AMER HLDGS COMMON STOCK 50540R409 246 1,786 SH   SOLE   1,786 0 0
LABORATORY CORP AMER HLDGS COMMON STOCK 50540R409 5 34 SH   DFND   34 0 0
LAUDER ESTEE COS INC COMMON STOCK 518439104 89 1,000 SH   SOLE   1,000 0 0
LILLY ELI COMMON STOCK 532457108 120 1,500 SH   SOLE   0 1,500 0
LOWE'S COS INC COMMON STOCK 548661107 116 1,605 SH   SOLE   1,605 0 0
MARSH & MCLENNAN COMMON STOCK 571748102 109 1,628 SH   SOLE   1,628 0 0
MASCO COMMON STOCK 574599106 10 300 SH   SOLE   0 0 300
MASTERCARD INC CL A COMMON STOCK 57636Q104 470 4,619 SH   SOLE   4,619 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104 20 192 SH   DFND   192 0 0
MCCORMICK & CO INC COMMON STOCK 579780206 121 1,210 SH   SOLE   1,210 0 0
MCDONALDS COMMON STOCK 580135101 1,405 12,178 SH   SOLE   11,153 1,025 0
MCDONALDS COMMON STOCK 580135101 67 577 SH   DFND   577 0 0
MCKESSON COMMON STOCK 58155Q103 247 1,479 SH   SOLE   1,479 0 0
MCKESSON COMMON STOCK 58155Q103 27 164 SH   DFND   164 0 0
MERCK & CO INC NEW COMMON STOCK 58933Y105 1,529 24,508 SH   SOLE   24,508 0 0
MERCK & CO INC NEW COMMON STOCK 58933Y105 268 4,288 SH   DFND   1,288 3,000 0
METLIFE INC COMMON STOCK 59156R108 15 343 SH   SOLE   343 0 0
MICROSOFT COMMON STOCK 594918104 937 16,274 SH   SOLE   16,274 0 0
MICROSOFT COMMON STOCK 594918104 62 1,076 SH   DFND   1,076 0 0
MICROCHIP TECHNOLOGY INC COMMON STOCK 595017104 186 3,000 SH   SOLE   3,000 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 18 415 SH   SOLE   415 0 0
MONSTER BEVERAGE CORP NEW COMMON STOCK 61174X109 7 45 SH   SOLE   45 0 0
MORGAN STANLEY COMMON STOCK 617446448 32 1,000 SH   SOLE   1,000 0 0
NATIONAL GRID PLC FOREIGN EQUITIES 636274300 1,440 20,245 SH   SOLE   16,745 3,500 0
NATIONAL GRID PLC FOREIGN EQUITIES 636274300 53 747 SH   DFND   747 0 0
NATIONAL RETAIL PPTYS INC COMMON STOCK 637417106 29 575 SH   SOLE   575 0 0
NETFLIX, INC. COMMON STOCK 64110L106 101 1,026 SH   SOLE   1,026 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 378 3,090 SH   SOLE   2,090 1,000 0
NIKE INC CL B COMMON STOCK 654106103 68 1,296 SH   SOLE   1,296 0 0
NOVARTIS AG-ADR FOREIGN EQUITIES 66987V109 45 572 SH   SOLE   572 0 0
NUCOR CORP COMMON STOCK 670346105 4 90 SH   SOLE   90 0 0
OMNICOM GROUP COMMON STOCK 681919106 218 2,560 SH   SOLE   2,560 0 0
OMNICOM GROUP COMMON STOCK 681919106 4 45 SH   DFND   45 0 0
OMEGA HEALTHCARE INVESTORS COMMON STOCK 681936100 370 10,433 SH   SOLE   10,433 0 0
OMEGA HEALTHCARE INVESTORS COMMON STOCK 681936100 9 263 SH   DFND   263 0 0
ORACLE COMMON STOCK 68389X105 383 9,755 SH   SOLE   9,755 0 0
ORACLE COMMON STOCK 68389X105 7 186 SH   DFND   186 0 0
PPL COMMON STOCK 69351T106 737 21,316 SH   SOLE   20,066 1,250 0
PPL COMMON STOCK 69351T106 29 851 SH   DFND   851 0 0
PVH CORP COMMON STOCK 693656100 52 474 SH   SOLE   474 0 0
PALO ALTO NETWORKS INC COMMON STOCK 697435105 7 42 SH   SOLE   42 0 0
PEPSICO COMMON STOCK 713448108 407 3,743 SH   SOLE   3,743 0 0
PEPSICO COMMON STOCK 713448108 146 1,346 SH   DFND   346 1,000 0
PFIZER COMMON STOCK 717081103 56 1,640 SH   SOLE   1,640 0 0
PFIZER COMMON STOCK 717081103 17 497 SH   DFND   497 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 1,483 15,252 SH   SOLE   14,252 1,000 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 53 542 SH   DFND   542 0 0
PIER 1 IMPORTS COMMON STOCK 720279108 2 500 SH   SOLE   0 0 500
POWERSHARES PREFERRED ETF PREFERRED STOCK 73936T565 42 2,775 SH   SOLE   2,775 0 0
POWERSHARES PREFERRED ETF PREFERRED STOCK 73936T565 25 1,675 SH   DFND   1,675 0 0
PRAXAIR COMMON STOCK 74005P104 26 213 SH   SOLE   213 0 0
PROCTER & GAMBLE COMMON STOCK 742718109 1,242 13,835 SH   SOLE   12,392 1,000 443
PROCTER & GAMBLE COMMON STOCK 742718109 73 813 SH   DFND   813 0 0
REALTY INCOME CORP COMMON STOCK 756109104 86 1,290 SH   SOLE   1,290 0 0
REALTY INCOME CORP COMMON STOCK 756109104 38 573 SH   DFND   323 250 0
RED HAT, INC COMMON STOCK 756577102 48 600 SH   SOLE   600 0 0
REPUBLIC SERVICES COMMON STOCK 760759100 23 450 SH   SOLE   0 0 450
REYNOLDS AMERICAN INC COMMON STOCK 761713106 1,488 31,561 SH   SOLE   19,561 12,000 0
REYNOLDS AMERICAN INC COMMON STOCK 761713106 61 1,288 SH   DFND   1,288 0 0
ROPER TECHNOLOGIES INC COM COMMON STOCK 776696106 62 340 SH   SOLE   340 0 0
ROSS STORES INC COM COMMON STOCK 778296103 151 2,355 SH   SOLE   2,355 0 0
ROYAL DUTCH SHELL PLC FOREIGN EQUITIES 780259107 24 462 SH   SOLE   462 0 0
STANDARD & POORS LARGE CAP 500 COMMON STOCK 78462F103 16 75 SH   SOLE   75 0 0
STANDARD & POORS LARGE CAP 500 COMMON STOCK 78462F103 65 300 SH   DFND   300 0 0
SPDR GOLD TR COMMON STOCK 78463V107 13 100 SH   SOLE   100 0 0
SPDR S&P MIDCAP 400 ETF EQUITY ETF 78467Y107 3,410 12,083 SH   SOLE   11,978 0 105
SPDR S&P MIDCAP 400 ETF EQUITY ETF 78467Y107 240 849 SH   DFND   849 0 0
SPDR SERIES NUVEEN BARCLAYS MUNI BD FIXED INCOME ETF TAX EXEMPT 78468R721 2 45 SH   SOLE   45 0 0
SPDR SERIES NUVEEN BARCLAYS SHORT TERM FIXED INCOME ETF TAX EXEMPT 78468R739 12 250 SH   SOLE   250 0 0
SALESFORCE COM INC COMMON STOCK 79466L302 208 2,920 SH   SOLE   2,920 0 0
SANOFI-AVENTIS FOREIGN EQUITIES 80105N105 307 8,038 SH   SOLE   8,038 0 0
SANOFI-AVENTIS FOREIGN EQUITIES 80105N105 211 5,521 SH   DFND   521 5,000 0
SAP AG COMMON STOCK 803054204 11 120 SH   SOLE   120 0 0
HENRY SCHEIN, INC COMMON STOCK 806407102 201 1,235 SH   SOLE   1,235 0 0
HENRY SCHEIN, INC COMMON STOCK 806407102 3 20 SH   DFND   20 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108 38 477 SH   SOLE   477 0 0
SCHWAB CHARLES CORP NEW COMMON STOCK 808513105 7 230 SH   SOLE   230 0 0
MATERIALS SELECT SECTOR SPDR EQUITY ETF 81369Y100 1 30 SH   DFND   30 0 0
HEALTH CARE SELECT SECTOR SPDR EQUITY ETF 81369Y209 606 8,399 SH   SOLE   8,274 0 125
HEALTH CARE SELECT SECTOR SPDR EQUITY ETF 81369Y209 98 1,354 SH   DFND   1,354 0 0
CONSUMER STAPLES SPDR EQUITY ETF 81369Y308 34 642 SH   DFND   642 0 0
CONSUMER DISCRETIONARY SPDR EQUITY ETF 81369Y407 770 9,623 SH   SOLE   9,488 0 135
CONSUMER DISCRETIONARY SPDR EQUITY ETF 81369Y407 111 1,392 SH   DFND   1,392 0 0
FINANCIAL SELECT SECTOR SPDR EQUITY ETF 81369Y605 2,715 140,729 SH   SOLE   140,284 0 445
FINANCIAL SELECT SECTOR SPDR EQUITY ETF 81369Y605 220 11,419 SH   DFND   11,419 0 0
INDUSTRIAL SELECT SECTOR SPDR EQUITY ETF 81369Y704 479 8,199 SH   SOLE   8,089 0 110
INDUSTRIAL SELECT SECTOR SPDR EQUITY ETF 81369Y704 79 1,353 SH   DFND   1,353 0 0
TECHNOLOGY SELECT SECTOR SPDR EQUITY ETF 81369Y803 1,486 31,105 SH   SOLE   30,680 0 425
TECHNOLOGY SELECT SECTOR SPDR EQUITY ETF 81369Y803 210 4,405 SH   DFND   4,405 0 0
REAL ESTATE SELECT SECTOR SPDR FUND EQUITY ETF 81369Y860 641 19,571 SH   SOLE   19,510 0 61
REAL ESTATE SELECT SECTOR SPDR FUND EQUITY ETF 81369Y860 52 1,577 SH   DFND   1,577 0 0
UTILITIES SELECT SECTOR SPDR EQUITY ETF 81369Y886 0 1 SH   SOLE   1 0 0
UTILITIES SELECT SECTOR SPDR EQUITY ETF 81369Y886 1 27 SH   DFND   27 0 0
SKYWORKS SOLUTIONS INC COM COMMON STOCK 83088M102 5 65 SH   SOLE   65 0 0
SONY CORP AMERN SHS NEW FOREIGN EQUITIES 835699307 65 1,969 SH   SOLE   1,969 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 1,107 21,588 SH   SOLE   19,038 2,000 550
SOUTHERN COMPANY COMMON STOCK 842587107 43 830 SH   DFND   830 0 0
SPECTRUM BRANDS HLDGS INC COMMON STOCK 84763R101 8 58 SH   SOLE   58 0 0
STARBUCKS COMMON STOCK 855244109 496 9,163 SH   SOLE   9,163 0 0
STARBUCKS COMMON STOCK 855244109 11 205 SH   DFND   205 0 0
SUBURBAN PROPANE LP PARTNERSHIPS 864482104 33 1,000 SH   DFND   0 1,000 0
SYMANTEC COMMON STOCK 871503108 20 800 SH   SOLE   0 0 800
TJX COMMON STOCK 872540109 222 2,964 SH   SOLE   2,964 0 0
TJX COMMON STOCK 872540109 3 44 SH   DFND   44 0 0
TERADATA CORP COMMON STOCK 88076W103 10 312 SH   SOLE   312 0 0
TEVA PHARMACEUTICAL FOREIGN EQUITIES 881624209 7 162 SH   SOLE   162 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 254 1,595 SH   SOLE   1,595 0 0
3M COMMON STOCK 88579Y101 476 2,700 SH   SOLE   1,200 1,500 0
3M COMMON STOCK 88579Y101 4 20 SH   DFND   20 0 0
TIFFANY & CO NEW COM COMMON STOCK 886547108 22 300 SH   SOLE   300 0 0
TOPBUILD CORP COMMON STOCK 89055F103 1 33 SH   SOLE   0 0 33
TOYOTA MTR CP ADS FOREIGN EQUITIES 892331307 52 446 SH   SOLE   446 0 0
TYSON FOODS CL A COMMON STOCK 902494103 49 650 SH   SOLE   0 0 650
UNILEVER PLC AMER SHS ADR NEW COMMON STOCK 904767704 775 16,348 SH   SOLE   15,348 1,000 0
UNILEVER PLC AMER SHS ADR NEW COMMON STOCK 904767704 29 610 SH   DFND   610 0 0
UNION PACIFIC COMMON STOCK 907818108 30 310 SH   SOLE   310 0 0
UNITED PARCEL SERVICE COMMON STOCK 911312106 51 465 SH   DFND   465 0 0
UNITED TECHNOLOGIES COMMON STOCK 913017109 94 930 SH   SOLE   730 0 200
UNITED TECHNOLOGIES COMMON STOCK 913017109 76 750 SH   DFND   0 750 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 103 736 SH   SOLE   736 0 0
VALEANT PHARMACEUTICALS INTLINC CDA COMMON STOCK 91911K102 7 300 SH   SOLE   300 0 0
VALERO ENERGY COMMON STOCK 91913Y100 31 580 SH   SOLE   580 0 0
VANGUARD SPECIALIZED PORTFOLDIV APP ETF COMMON STOCK 921908844 218 2,600 SH   SOLE   0 0 2,600
VANGUARD BD INDX ETF FIXED INCOME ETF TAXABLE 921937819 4 50 SH   SOLE   50 0 0
VANGUARD SHORT TERM CORP BOND FUND FIXED INCOME ETF TAXABLE 92206C409 536 6,650 SH   SOLE   6,650 0 0
VARIAN MED SYS INC COMMON STOCK 92220P105 14 145 SH   SOLE   145 0 0
VENTAS INC. COMMON STOCK 92276F100 601 8,514 SH   SOLE   8,514 0 0
VENTAS INC. COMMON STOCK 92276F100 93 1,315 SH   DFND   315 1,000 0
VANGUARD INDEX FDS MCAP GR IDXVIP COMMON STOCK 922908538 196 1,840 SH   SOLE   0 0 1,840
VANGUARD REIT ETF EQUITY ETF 922908553 4,258 49,092 SH   SOLE   44,852 4,100 140
VANGUARD REIT ETF EQUITY ETF 922908553 296 3,415 SH   DFND   3,415 0 0
VANGUARD INDEX FDS LARGE CAP ETF COMMON STOCK 922908637 224 2,260 SH   SOLE   0 0 2,260
VANGUARD INDEX FDS GROWTH ETF COMMON STOCK 922908736 300 2,675 SH   SOLE   690 0 1,985
VANGUARD VALUE ETF COMMON STOCK 922908744 76 870 SH   SOLE   870 0 0
VANGUARD TOTAL STOCK MK VIPERS EQUITY ETF 922908769 867 7,787 SH   SOLE   7,787 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 2,306 44,364 SH   SOLE   41,364 3,000 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 33 642 SH   DFND   642 0 0
VERISK ANA USD COMMON STOCK 92345Y106 201 2,472 SH   SOLE   2,472 0 0
VERISK ANA USD COMMON STOCK 92345Y106 4 46 SH   DFND   46 0 0
VISA INC- CLASS A SHARES COMMON STOCK 92826C839 292 3,531 SH   SOLE   3,531 0 0
VODAFONE GROUP PLC NE COMMON STOCK 92857W308 681 23,382 SH   SOLE   22,182 1,200 0
VODAFONE GROUP PLC NE COMMON STOCK 92857W308 32 1,100 SH   DFND   1,100 0 0
VOYA FINL INC COMMON STOCK 929089100 4 140 SH   SOLE   140 0 0
WABTEC CORP COM COMMON STOCK 929740108 100 1,220 SH   SOLE   1,220 0 0
WAL-MART STORES COMMON STOCK 931142103 43 600 SH   DFND   600 0 0
WALGREENS BOOTS ALLIANCE I USD COMMON STOCK 931427108 47 589 SH   SOLE   589 0 0
WELLS FARGO COMMON STOCK 949746101 112 2,538 SH   SOLE   2,538 0 0
WELLTOWER INC COM COMMON STOCK 95040Q104 787 10,530 SH   SOLE   9,030 1,500 0
WELLTOWER INC COM COMMON STOCK 95040Q104 25 338 SH   DFND   338 0 0
WISDOMTREE JAPAN HEDGED EQUITY ETF 97717W851 1,514 35,296 SH   SOLE   35,161 0 135
WISDOMTREE JAPAN HEDGED EQUITY ETF 97717W851 109 2,550 SH   DFND   2,550 0 0
WISDOMTREE EUROPE HEDGED EQUITY ETF 97717X701 3,243 60,340 SH   SOLE   60,170 0 170
WISDOMTREE EUROPE HEDGED EQUITY ETF 97717X701 264 4,915 SH   DFND   4,915 0 0