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
ACE LTD SHS COMMON SHARES H0023R105 835 9,335 SH   SOLE 0 9,335 0 0
ACE LTD SHS COMMON SHARES H0023R105 28 315 SH   DFND 0 315 0 0
AT&T INC COM COMMON SHARES 00206R102 2,386 67,420 SH   SOLE 0 67,420 0 0
AT&T INC COM COMMON SHARES 00206R102 20 570 SH   DFND 0 570 0 0
ABBVIE INC COMMON SHARES 00287Y109 1,720 41,609 SH   SOLE 0 41,609 0 0
ABBVIE INC COMMON SHARES 00287Y109 13 315 SH   DFND 0 315 0 0
ALLSTATE CORP COM COMMON SHARES 020002101 948 19,705 SH   SOLE 0 19,705 0 0
ALLSTATE CORP COM COMMON SHARES 020002101 25 525 SH   DFND 0 525 0 0
AMERICAN EAGLE OUTFITTERS COMMON SHARES 02553E106 240 13,145 SH   SOLE 0 13,145 0 0
AMERICAN ELEC PWR INC COM COMMON SHARES 025537101 1,254 28,005 SH   SOLE 0 28,005 0 0
AMGEN INC COM COMMON SHARES 031162100 855 8,663 SH   SOLE 0 8,663 0 0
AMGEN INC COM COMMON SHARES 031162100 18 185 SH   DFND 0 185 0 0
ANHEUSER BUSCH INBEV SA/NV COMMON SHARES 03524A108 661 7,325 SH   SOLE 0 7,325 0 0
ANHEUSER BUSCH INBEV SA/NV COMMON SHARES 03524A108 10 110 SH   DFND 0 110 0 0
APPLE INC COM COMMON SHARES 037833100 1,351 3,407 SH   SOLE 0 3,407 0 0
APPLE INC COM COMMON SHARES 037833100 22 55 SH   DFND 0 55 0 0
BB&T CORP COM COMMON SHARES 054937107 2,019 59,602 SH   SOLE 0 59,602 0 0
BB&T CORP COM COMMON SHARES 054937107 30 880 SH   DFND 0 880 0 0
BANK OF AMERICA CORP COM COMMON SHARES 060505104 223 17,313 SH   SOLE 0 17,313 0 0
BANK OF MONTREAL COMMON SHARES 063671101 1,427 24,601 SH   SOLE 0 24,601 0 0
BAXTER INTL INC COM COMMON SHARES 071813109 749 10,812 SH   SOLE 0 10,812 0 0
BAXTER INTL INC COM COMMON SHARES 071813109 11 160 SH   DFND 0 160 0 0
BLACKROCK INC CLA COM COMMON SHARES 09247X101 224 872 SH   SOLE 0 872 0 0
BLACKROCK INC CLA COM COMMON SHARES 09247X101 15 60 SH   DFND 0 60 0 0
BORG WARNER INC COMMON SHARES 099724106 684 7,940 SH   SOLE 0 7,940 0 0
BORG WARNER INC COMMON SHARES 099724106 12 140 SH   DFND 0 140 0 0
BRISTOL MYERS SQUIBB CO COM COMMON SHARES 110122108 1,978 44,275 SH   SOLE 0 44,275 0 0
BRISTOL MYERS SQUIBB CO COM COMMON SHARES 110122108 13 280 SH   DFND 0 280 0 0
BROADCOM CORP CL A COM COMMON SHARES 111320107 672 19,875 SH   SOLE 0 19,875 0 0
BROADCOM CORP CL A COM COMMON SHARES 111320107 17 500 SH   DFND 0 500 0 0
CVS CAREMARK CORPORATION COM COMMON SHARES 126650100 1,003 17,536 SH   SOLE 0 17,536 0 0
CVS CAREMARK CORPORATION COM COMMON SHARES 126650100 29 500 SH   DFND 0 500 0 0
CARDINAL HEALTH INC COM COMMON SHARES 14149Y108 829 17,574 SH   SOLE 0 17,574 0 0
CARDINAL HEALTH INC COM COMMON SHARES 14149Y108 18 375 SH   DFND 0 375 0 0
CELGENE CORP COM COMMON SHARES 151020104 1,082 9,250 SH   SOLE 0 9,250 0 0
CELGENE CORP COM COMMON SHARES 151020104 20 175 SH   DFND 0 175 0 0
CHEVRON CORP COM COMMON SHARES 166764100 2,650 22,392 SH   SOLE 0 22,392 0 0
CHEVRON CORP COM COMMON SHARES 166764100 39 330 SH   DFND 0 330 0 0
CISCO SYS INC COM COMMON SHARES 17275R102 975 40,080 SH   SOLE 0 40,080 0 0
CISCO SYS INC COM COMMON SHARES 17275R102 16 675 SH   DFND 0 675 0 0
CIRRUS LOGIC INC COM COMMON SHARES 172755100 725 41,745 SH   SOLE 0 41,745 0 0
CIRRUS LOGIC INC COM COMMON SHARES 172755100 16 950 SH   DFND 0 950 0 0
CITIGROUP INC COM NEW COMMON SHARES 172967424 691 14,397 SH   SOLE 0 14,397 0 0
CITIGROUP INC COM NEW COMMON SHARES 172967424 20 425 SH   DFND 0 425 0 0
COCA COLA CO COM COMMON SHARES 191216100 916 22,830 SH   SOLE 0 22,830 0 0
COCA COLA CO COM COMMON SHARES 191216100 1,714 42,734 SH   DFND 0 42,734 0 0
COLGATE PALMOLIVE CO COM COMMON SHARES 194162103 400 6,990 SH   SOLE 0 6,990 0 0
COMMERCIAL METALS CO COM COMMON SHARES 201723103 254 17,200 SH   SOLE 0 17,200 0 0
COMMUNITY HEALTH SYS INC NEW COMMON SHARES 203668108 1,023 21,825 SH   SOLE 0 21,825 0 0
COMMUNITY HEALTH SYS INC NEW COMMON SHARES 203668108 22 475 SH   DFND 0 475 0 0
CONOCOPHILLIPS COM COMMON SHARES 20825C104 1,429 23,614 SH   SOLE 0 23,614 0 0
CONOCOPHILLIPS COM COMMON SHARES 20825C104 11 180 SH   DFND 0 180 0 0
DEERE & CO COM COMMON SHARES 244199105 826 10,170 SH   SOLE 0 10,170 0 0
DEERE & CO COM COMMON SHARES 244199105 15 180 SH   DFND 0 180 0 0
WALT DISNEY CO COMMON SHARES 254687106 945 14,962 SH   SOLE 0 14,962 0 0
WALT DISNEY CO COMMON SHARES 254687106 24 375 SH   DFND 0 375 0 0
DUPONT EI DE NEMOURS & CO COMMON SHARES 263534109 544 10,355 SH   SOLE 0 10,355 0 0
DUPONT EI DE NEMOURS & CO COMMON SHARES 263534109 8 145 SH   DFND 0 145 0 0
DUKE ENERGY CORP NEW COMMON SHARES 26441C204 1,312 19,440 SH   SOLE 0 19,440 0 0
DUKE ENERGY CORP NEW COMMON SHARES 26441C204 50 742 SH   DFND 0 742 0 0
EXPEDITORS INTL WASH INC COM COMMON SHARES 302130109 523 13,760 SH   SOLE 0 13,760 0 0
EXPEDITORS INTL WASH INC COM COMMON SHARES 302130109 10 250 SH   DFND 0 250 0 0
EXXON MOBIL CORP COM COMMON SHARES 30231G102 908 10,053 SH   SOLE 0 10,053 0 0
EXXON MOBIL CORP COM COMMON SHARES 30231G102 23 255 SH   DFND 0 255 0 0
FREEPORT-MCMORAN COPPER & GO COMMON SHARES 35671D857 547 19,800 SH   SOLE 0 19,800 0 0
FREEPORT-MCMORAN COPPER & GO COMMON SHARES 35671D857 11 400 SH   DFND 0 400 0 0
GENERAL ELEC CO COM COMMON SHARES 369604103 1,451 62,612 SH   SOLE 0 62,612 0 0
GENERAL ELEC CO COM COMMON SHARES 369604103 35 1,500 SH   DFND 0 1,500 0 0
GOLDMAN SACHS GROUP INC COMMON SHARES 38141G104 968 6,400 SH   SOLE 0 6,400 0 0
GOLDMAN SACHS GROUP INC COMMON SHARES 38141G104 15 100 SH   DFND 0 100 0 0
HALLIBURTON CO COM COMMON SHARES 406216101 619 14,828 SH   SOLE 0 14,828 0 0
HALLIBURTON CO COM COMMON SHARES 406216101 13 315 SH   DFND 0 315 0 0
HOLLYFRONTIER CORP COMMON SHARES 436106108 602 14,068 SH   SOLE 0 14,068 0 0
HOLLYFRONTIER CORP COMMON SHARES 436106108 13 300 SH   DFND 0 300 0 0
HOME DEPOT INC COM COMMON SHARES 437076102 758 9,791 SH   SOLE 0 9,791 0 0
HOME DEPOT INC COM COMMON SHARES 437076102 19 250 SH   DFND 0 250 0 0
INTEL CORP COM COMMON SHARES 458140100 1,669 68,911 SH   SOLE 0 68,911 0 0
INTEL CORP COM COMMON SHARES 458140100 9 380 SH   DFND 0 380 0 0
INTERNATIONAL BUSINESS MACHS COM COMMON SHARES 459200101 1,152 6,029 SH   SOLE 0 6,029 0 0
INTERNATIONAL BUSINESS MACHS COM COMMON SHARES 459200101 31 160 SH   DFND 0 160 0 0
ISHARES S&P 500 INDEX FUND COMMON SHARES 464287200 343 2,130 SH   SOLE 0 2,130 0 0
ETF ISHARES TRUST BETTER I SHARES EFAE TRST COMMON SHARES 464287465 3,167 55,279 SH   SOLE 0 55,279 0 0
ISHARES RUSSELL MIDCAP INDEX FUND COMMON SHARES 464287499 2,998 23,084 SH   SOLE 0 23,084 0 0
ISHARES TR S&P BETTER I SHARES TR S&P MID CAP COMMON SHARES 464287507 1,373 11,885 SH   SOLE 0 11,885 0 0
ISHARES RUSSELL 2000 INDEX FFD COMMON SHARES 464287655 2,968 30,598 SH   SOLE 0 30,598 0 0
ISHARES BARCLAYS MBS BOND FUND COMMON SHARES 464288588 216 2,050 SH   SOLE 0 2,050 0 0
ISHARES BARCLAYS 1-3 CREDIT BOND FUND COMMON SHARES 464288646 429 4,088 SH   SOLE 0 4,088 0 0
JP MORGAN CHASE & CO INC COMMON SHARES 46625H100 1,037 19,642 SH   SOLE 0 19,642 0 0
JP MORGAN CHASE & CO INC COMMON SHARES 46625H100 36 685 SH   DFND 0 685 0 0
JOHNSON & JOHNSON COM COMMON SHARES 478160104 2,101 24,470 SH   SOLE 0 24,470 0 0
JOHNSON & JOHNSON COM COMMON SHARES 478160104 27 310 SH   DFND 0 310 0 0
KIMBERLY CLARK CORP COM COMMON SHARES 494368103 1,720 17,702 SH   SOLE 0 17,702 0 0
KIMBERLY CLARK CORP COM COMMON SHARES 494368103 12 120 SH   DFND 0 120 0 0
KINDER MORGAN ENERGY PARTNERUT LTD PARTNER COMMON SHARES 494550106 549 6,425 SH   SOLE 0 6,425 0 0
KINDER MORGAN ENERGY PARTNERUT LTD PARTNER COMMON SHARES 494550106 23 275 SH   DFND 0 275 0 0
KINCROSS GOLD CORP COMMON SHARES 496902404 71 13,900 SH   SOLE 0 13,900 0 0
KRAFT FOODS GROUP INC COMMON SHARES 50076Q106 1,597 28,591 SH   SOLE 0 28,591 0 0
LILLY ELI & CO COM COMMON SHARES 532457108 1,764 35,922 SH   SOLE 0 35,922 0 0
LILLY ELI & CO COM COMMON SHARES 532457108 23 475 SH   DFND 0 475 0 0
LOCKHEED MARTIN CORP COM COMMON SHARES 539830109 1,787 16,473 SH   SOLE 0 16,473 0 0
MARATHON OIL CORP COM COMMON SHARES 565849106 900 26,025 SH   SOLE 0 26,025 0 0
MARATHON OIL CORP COM COMMON SHARES 565849106 14 400 SH   DFND 0 400 0 0
MATTEL INC COM COMMON SHARES 577081102 1,899 41,905 SH   SOLE 0 41,905 0 0
MCDONALDS CORP COM COMMON SHARES 580135101 1,512 15,275 SH   SOLE 0 15,275 0 0
MCDONALDS CORP COM COMMON SHARES 580135101 14 140 SH   DFND 0 140 0 0
MEDTRONIC INC COM COMMON SHARES 585055106 452 8,790 SH   SOLE 0 8,790 0 0
MEDTRONIC INC COM COMMON SHARES 585055106 15 285 SH   DFND 0 285 0 0
MERCK & CO INC COM COMMON SHARES 58933Y105 1,230 26,475 SH   SOLE 0 26,475 0 0
MERCK & CO INC COM COMMON SHARES 58933Y105 49 1,045 SH   DFND 0 1,045 0 0
MICROSOFT CORP COM COMMON SHARES 594918104 2,047 59,274 SH   SOLE 0 59,274 0 0
MICROSOFT CORP COM COMMON SHARES 594918104 27 790 SH   DFND 0 790 0 0
MICROCHIP TECHNOLOGY INC COM COMMON SHARES 595017104 1,578 42,365 SH   SOLE 0 42,365 0 0
MICROCHIP TECHNOLOGY INC COM COMMON SHARES 595017104 12 310 SH   DFND 0 310 0 0
NATIONAL OILWELL VARCO INC COM COMMON SHARES 637071101 618 8,972 SH   SOLE 0 8,972 0 0
NATIONAL OILWELL VARCO INC COM COMMON SHARES 637071101 14 200 SH   DFND 0 200 0 0
NORFOLK SOUTHERN CORP COM COMMON SHARES 655844108 208 2,860 SH   SOLE 0 2,860 0 0
NORFOLK SOUTHERN CORP COM COMMON SHARES 655844108 12 170 SH   DFND 0 170 0 0
NUCOR CORP COM COMMON SHARES 670346105 1,244 28,713 SH   SOLE 0 28,713 0 0
NUCOR CORP COM COMMON SHARES 670346105 11 265 SH   DFND 0 265 0 0
NV ENERGY INC COMMON SHARES 67073Y106 768 32,745 SH   SOLE 0 32,745 0 0
NV ENERGY INC COMMON SHARES 67073Y106 8 350 SH   DFND 0 350 0 0
ORACLE CORP COM COMMON SHARES 68389X105 681 22,170 SH   SOLE 0 22,170 0 0
ORACLE CORP COM COMMON SHARES 68389X105 15 500 SH   DFND 0 500 0 0
PPL CORP COMMON SHARES 69351T106 1,532 50,630 SH   SOLE 0 50,630 0 0
PPL CORP COMMON SHARES 69351T106 11 375 SH   DFND 0 375 0 0
PTC INC COMMON SHARES 69370C100 920 37,515 SH   SOLE 0 37,515 0 0
PTC INC COMMON SHARES 69370C100 21 850 SH   DFND 0 850 0 0
PFIZER INC COM COMMON SHARES 717081103 1,042 37,227 SH   SOLE 0 37,227 0 0
PFIZER INC COM COMMON SHARES 717081103 14 500 SH   DFND 0 500 0 0
PHILIP MORRIS INTL COMMON SHARES 718172109 2,139 24,693 SH   SOLE 0 24,693 0 0
PHILIP MORRIS INTL COMMON SHARES 718172109 7 85 SH   DFND 0 85 0 0
PIEDMONT NAT'L GAS INC COM COMMON SHARES 720186105 1,557 46,170 SH   SOLE 0 46,170 0 0
PIEDMONT NAT'L GAS INC COM COMMON SHARES 720186105 25 750 SH   DFND 0 750 0 0
PROCTER & GAMBLE CO COM COMMON SHARES 742718109 327 4,243 SH   SOLE 0 4,243 0 0
PROCTER & GAMBLE CO COM COMMON SHARES 742718109 24 310 SH   DFND 0 310 0 0
QUALCOMM INC COM COMMON SHARES 747525103 1,010 16,535 SH   SOLE 0 16,535 0 0
QUALCOMM INC COM COMMON SHARES 747525103 29 475 SH   DFND 0 475 0 0
ROSS STORES INC COM COMMON SHARES 778296103 508 7,840 SH   SOLE 0 7,840 0 0
ROSS STORES INC COM COMMON SHARES 778296103 9 135 SH   DFND 0 135 0 0
SPECTRA ENERGY CORP COMMON SHARES 847560109 255 7,408 SH   SOLE 0 7,408 0 0
STARBUCKS CORP COM COMMON SHARES 855244109 966 14,750 SH   SOLE 0 14,750 0 0
STARBUCKS CORP COM COMMON SHARES 855244109 23 350 SH   DFND 0 350 0 0
3M CO COM COMMON SHARES 88579Y101 2,522 23,065 SH   SOLE 0 23,065 0 0
3M CO COM COMMON SHARES 88579Y101 38 345 SH   DFND 0 345 0 0
TRANSCANADA CORP COMMON SHARES 89353D107 1,380 32,005 SH   SOLE 0 32,005 0 0
TYSON FOODS INC COMMON SHARES 902494103 717 27,940 SH   SOLE 0 27,940 0 0
TYSON FOODS INC COMMON SHARES 902494103 9 350 SH   DFND 0 350 0 0
U S BANCORP DEL COM COMMON SHARES 902973304 1,025 28,365 SH   SOLE 0 28,365 0 0
U S BANCORP DEL COM COMMON SHARES 902973304 19 525 SH   DFND 0 525 0 0
UNITED TECHNOLOGIES CORP COM COMMON SHARES 913017109 1,168 12,570 SH   SOLE 0 12,570 0 0
UNITED TECHNOLOGIES CORP COM COMMON SHARES 913017109 36 385 SH   DFND 0 385 0 0
V F CORPORATION COMMON SHARES 918204108 906 4,693 SH   SOLE 0 4,693 0 0
ETF VANGUARD EMER MKT COMMON SHARES 922042858 1,332 34,327 SH   SOLE 0 34,327 0 0
VERIZON COMMUNICATIONS INC COMMON SHARES 92343V104 2,787 55,373 SH   SOLE 0 55,373 0 0
VERIZON COMMUNICATIONS INC COMMON SHARES 92343V104 38 750 SH   DFND 0 750 0 0
VISA INC COM CL A COMMON SHARES 92826C839 910 4,980 SH   SOLE 0 4,980 0 0
VISA INC COM CL A COMMON SHARES 92826C839 21 115 SH   DFND 0 115 0 0
WAL-MART STORES INC COM COMMON SHARES 931142103 972 13,053 SH   SOLE 0 13,053 0 0
WAL-MART STORES INC COM COMMON SHARES 931142103 32 425 SH   DFND 0 425 0 0
WASTE MANAGEMENT INC NEW COMMON SHARES 94106L109 1,637 40,610 SH   SOLE 0 40,610 0 0
WELLS FARGO & CO NEW COM COMMON SHARES 949746101 1,393 33,748 SH   SOLE 0 33,748 0 0
WELLS FARGO & CO NEW COM COMMON SHARES 949746101 35 850 SH   DFND 0 850 0 0
WESTERN DIGITAL CORP COMMON SHARES 958102105 949 15,285 SH   SOLE 0 15,285 0 0
WESTERN DIGITAL CORP COMMON SHARES 958102105 28 450 SH   DFND 0 450 0 0