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
Actavis PLC Common G0083B108 1,124 6,690 SH   SOLE   6,690 0 0
Aon PLC Common G0408V102 97 1,153 SH   SOLE   1,153 0 0
Aon PLC Common G0408V102 117 1,400 SH   OTR   1,400 0 0
Accenture PLC Ireland CL A Common G1151C101 3,138 38,163 SH   SOLE   38,163 0 0
Accenture PLC Ireland CL A Common G1151C101 674 8,202 SH   OTR   7,602 0 600
Covidien PLC Common G2554F113 283 4,160 SH   SOLE   4,160 0 0
Eaton Corp PLC Common G29183103 942 12,379 SH   SOLE   12,379 0 0
Eaton Corp PLC Common G29183103 19 250 SH   OTR   100 0 150
Ensco PLC Common G3157S106 207 3,625 SH   SOLE   3,625 0 0
Ensco PLC Common G3157S106 80 1,400 SH   OTR   1,400 0 0
Invesco LTD Common G491BT108 881 24,205 SH   SOLE   24,205 0 0
Invesco LTD Common G491BT108 71 1,950 SH   OTR   1,950 0 0
Noble Corporation Common H5833N103 1,516 40,459 SH   SOLE   40,459 0 0
Noble Corporation Common H5833N103 62 1,650 SH   OTR   1,450 0 200
Check Point Software Tech Common M22465104 250 3,875 SH   SOLE   3,875 0 0
AFLAC Inc. Common 001055102 1,561 23,363 SH   SOLE   23,063 0 300
AFLAC Inc. Common 001055102 301 4,500 SH   OTR   3,400 0 1,100
AGL Resouces, Inc Common 001204106 216 4,581 SH   SOLE   4,581 0 0
AGL Resouces, Inc Common 001204106 76 1,599 SH   OTR   1,599 0 0
AT&T Inc. Common 00206R102 5,602 159,341 SH   SOLE   147,985 0 11,356
AT&T Inc. Common 00206R102 698 19,842 SH   OTR   18,142 0 1,700
Abbott Labs Common 002824100 2,434 63,493 SH   SOLE   59,918 0 3,575
Abbott Labs Common 002824100 777 20,267 SH   OTR   19,967 0 300
Abbvie Inc Common 00287Y109 4,272 80,889 SH   SOLE   76,814 0 4,075
Abbvie Inc Common 00287Y109 1,147 21,717 SH   OTR   21,217 0 500
Activision Blizzard Inc Common 00507V109 1,025 57,485 SH   SOLE   57,485 0 0
Advanced Auto Parts Inc. Common 00751Y106 1,381 12,475 SH   SOLE   12,475 0 0
Aetna U S Healthcare Inc. Common 00817Y108 2,159 31,482 SH   SOLE   31,382 0 100
Aetna U S Healthcare Inc. Common 00817Y108 86 1,250 SH   OTR   1,250 0 0
Air Products & Chemicals Inc Common 009158106 530 4,742 SH   SOLE   4,542 0 200
Air Products & Chemicals Inc Common 009158106 56 500 SH   OTR   0 0 500
Alaska Communications Common 01167P101 25 11,900 SH   SOLE   11,900 0 0
Alcoa Inc Common 013817101 152 14,335 SH   SOLE   14,335 0 0
Alliance Res Partner Lp Common 01877R108 239 3,100 SH   SOLE   3,100 0 0
Alliancebernstein Income Common 01881E101 453 63,527 SH   SOLE   63,527 0 0
Allstate Corp Common 020002101 420 7,709 SH   SOLE   7,709 0 0
Altria Group Inc Common 02209S103 4,307 112,192 SH   SOLE   111,592 0 600
Altria Group Inc Common 02209S103 231 6,010 SH   OTR   3,810 0 2,200
American Elec Pwr Inc Common 025537101 2,044 43,738 SH   SOLE   43,438 0 300
American Elec Pwr Inc Common 025537101 272 5,830 SH   OTR   4,530 0 1,300
American Express Common 025816109 5,836 64,324 SH   SOLE   64,324 0 0
American Express Common 025816109 186 2,050 SH   OTR   2,050 0 0
American Tower Corp New Common 03027X100 699 8,758 SH   SOLE   8,758 0 0
American Tower Corp New Common 03027X100 10 120 SH   OTR   120 0 0
Amgen Inc. Common 031162100 651 5,705 SH   SOLE   5,705 0 0
Amgen Inc. Common 031162100 496 4,350 SH   OTR   4,350 0 0
Amphenol Corp New Common 032095101 806 9,040 SH   SOLE   9,040 0 0
Amphenol Corp New Common 032095101 31 350 SH   OTR   350 0 0
Analog Devices Inc. Common 032654105 854 16,775 SH   SOLE   16,775 0 0
Analog Devices Inc. Common 032654105 25 500 SH   OTR   500 0 0
Apache Corp. Common 037411105 355 4,134 SH   SOLE   4,134 0 0
Apache Corp. Common 037411105 97 1,125 SH   OTR   925 0 200
Apollo Global Management Common 037612306 196 6,200 SH   SOLE   6,200 0 0
Apollo Global Management Common 037612306 95 3,000 SH   OTR   0 0 3,000
Apple Inc. Common 037833100 2,843 5,068 SH   SOLE   5,008 0 60
Apple Inc. Common 037833100 599 1,068 SH   OTR   1,068 0 0
Applied Matls Inc Common 038222105 889 50,297 SH   SOLE   48,197 0 2,100
Ashland Inc New Common 044209104 246 2,533 SH   SOLE   2,533 0 0
Ashland Inc New Common 044209104 13 130 SH   OTR   130 0 0
Astrazeneca PLC ADR Common 046353108 356 6,000 SH   SOLE   6,000 0 0
Atwood Oceanics Inc Common 050095108 667 12,490 SH   SOLE   12,490 0 0
Automatic Data Processing Inc Common 053015103 5,541 68,578 SH   SOLE   64,878 0 3,700
Automatic Data Processing Common 053015103 555 6,865 SH   OTR   5,415 0 1,450
AVNET INC Common 053807103 843 19,121 SH   SOLE   19,121 0 0
BCE Inc Common 05534B760 301 6,943 SH   SOLE   6,943 0 0
Bank Hawaii Corp Common 062540109 1,054 17,825 SH   SOLE   17,575 0 250
Bank Hawaii Corp Common 062540109 253 4,275 SH   OTR   3,775 0 500
Bank Montreal Que Common 063671101 333 5,000 SH   SOLE   5,000 0 0
Bank New York Mellon Corp Common 064058100 402 11,493 SH   SOLE   10,993 0 500
Baxter Intl Inc. Common 071813109 573 8,243 SH   SOLE   8,243 0 0
Baxter Intl Inc. Common 071813109 104 1,500 SH   OTR   1,500 0 0
Beam Inc Common 073730103 702 10,320 SH   SOLE   6,800 0 3,520
Becton Dickerson & Co Common 075887109 420 3,800 SH   SOLE   3,500 0 300
Becton Dickerson & Co Common 075887109 52 475 SH   OTR   75 0 400
Bed Bath & Beyond Inc Common 075896100 1,278 15,915 SH   SOLE   15,915 0 0
Bed Bath & Beyond Inc Common 075896100 82 1,025 SH   OTR   1,025 0 0
Biogen Idec Inc Common 09062X103 1 5 SH   SOLE   5 0 0
Biogen Idec Inc Common 09062X103 433 1,550 SH   OTR   1,550 0 0
Blackrock Inc Common 09247X101 331 1,047 SH   SOLE   1,047 0 0
Blackrock Inc Common 09247X101 278 880 SH   OTR   880 0 0
Blackrock Credit All Inc Common 092508100 240 18,397 SH   OTR   18,397 0 0
Blackstone Group LP Common 09253U108 414 13,150 SH   SOLE   13,150 0 0
Blackstone Group LP Common 09253U108 72 2,270 SH   OTR   2,270 0 0
Boeing Co Common 097023105 321 2,350 SH   SOLE   2,350 0 0
Boeing Co Common 097023105 233 1,710 SH   OTR   1,710 0 0
Brandywine Rlty Tr Common 105368203 355 25,200 SH   SOLE   25,200 0 0
Bristol-Myers Squibb Co. Common 110122108 2,005 37,726 SH   SOLE   33,950 0 3,776
Bristol-Myers Squibb Co. Common 110122108 499 9,390 SH   OTR   7,590 0 1,800
Buckeye Partners L P Common 118230101 701 9,865 SH   SOLE   9,865 0 0
Buckeye Partners L P Common 118230101 24 333 SH   OTR   333 0 0
Cigna Corp Common 125509109 246 2,810 SH   SOLE   1,510 0 1,300
CMS Energy Corp. Common 125896100 865 32,327 SH   SOLE   32,327 0 0
CMS Energy Corp. Common 125896100 13 504 SH   OTR   504 0 0
CSX Corp Common 126408103 856 29,743 SH   SOLE   29,743 0 0
CSX Corp Common 126408103 46 1,600 SH   OTR   1,600 0 0
CVS/Caremark Common 126650100 3,315 46,322 SH   SOLE   46,322 0 0
CVS/Caremark Common 126650100 184 2,565 SH   OTR   2,565 0 0
California Wtr Svc Group Common 130788102 231 10,000 SH   OTR   10,000 0 0
Canadian Nat'l Ry Co. Common 136375102 305 5,348 SH   SOLE   5,348 0 0
Canadian Nat'l Ry Co. Common 136375102 86 1,500 SH   OTR   1,500 0 0
Caterpillar Tractor Co. Common 149123101 3,264 35,940 SH   SOLE   34,090 0 1,850
Caterpillar Tractor Co. Common 149123101 382 4,208 SH   OTR   4,208 0 0
Celgene Corp Com Common 151020104 2,673 15,817 SH   SOLE   15,817 0 0
Celgene Corp Com Common 151020104 145 857 SH   OTR   857 0 0
Cenovus Energy Inc Common 15135U109 243 8,493 SH   SOLE   8,493 0 0
Cenovus Energy Inc Common 15135U109 9 300 SH   OTR   300 0 0
Centurylink Inc. Common 156700106 670 21,039 SH   SOLE   21,039 0 0
Centurylink Inc. Common 156700106 708 22,230 SH   OTR   21,930 0 300
Chemical Financial Corp. Common 163731102 41,717 1,317,342 SH   SOLE   1,031,932 0 285,410
Chemical Financial Corp. Common 163731102 2,830 89,353 SH   OTR   88,490 0 863
Chevron Corporation Common 166764100 8,525 68,251 SH   SOLE   61,001 0 7,250
Chevron Corporation Common 166764100 1,125 9,007 SH   OTR   8,207 0 800
Chicago Bridge & Iron Co Common 167250109 880 10,580 SH   SOLE   10,580 0 0
Chubb Corp Common 171232101 1,912 19,783 SH   SOLE   18,983 0 800
Chubb Corp Common 171232101 28 285 SH   OTR   285 0 0
Cisco Systems Inc Common 17275R102 2,003 89,279 SH   SOLE   89,279 0 0
Cisco Systems Inc Common 17275R102 240 10,700 SH   OTR   9,950 0 750
Clorox Co Common 189054109 517 5,569 SH   SOLE   5,569 0 0
Clorox Co Common 189054109 101 1,085 SH   OTR   1,085 0 0
Coach Inc Common 189754104 579 10,312 SH   SOLE   10,312 0 0
Coach Inc Common 189754104 49 875 SH   OTR   875 0 0
Coca Cola Co. Common 191216100 4,395 106,384 SH   SOLE   99,584 0 6,800
Coca Cola Co. Common 191216100 566 13,705 SH   OTR   13,705 0 0
Cohen & Steers Tot RetRlty Common 19247R103 156 13,000 SH   OTR   13,000 0 0
Colgate Palmolive Co. Common 194162103 642 9,846 SH   SOLE   8,446 0 1,400
Colgate Palmolive Co. Common 194162103 62 950 SH   OTR   950 0 0
Comcast Corp New Cl A Common 20030N101 1,189 22,878 SH   SOLE   22,878 0 0
Comcast Corp New Cl A Common 20030N101 10 200 SH   OTR   200 0 0
Comerica Inc. Common 200340107 425 8,934 SH   SOLE   8,934 0 0
Comerica Inc. Common 200340107 38 800 SH   OTR   0 0 800
Conocophillips Common 20825C104 3,739 52,923 SH   SOLE   51,025 0 1,898
Conocophillips Common 20825C104 702 9,936 SH   OTR   8,736 0 1,200
Corning Inc. Common 219350105 1,096 61,525 SH   SOLE   61,525 0 0
Corning Inc. Common 219350105 162 9,100 SH   OTR   8,700 0 400
Costco Whsl Corp New Common 22160K105 1,772 14,885 SH   SOLE   14,885 0 0
Cullen Frost Bankers Inc Common 229899109 465 6,250 SH   SOLE   6,250 0 0
Cullen Frost Bankers Inc Common 229899109 33 449 SH   OTR   449 0 0
Cummins Inc Common 231021106 836 5,930 SH   SOLE   5,930 0 0
DTE Energy Co. Common 233331107 870 13,111 SH   SOLE   13,111 0 0
Danaher Corp. Common 235851102 1,246 16,138 SH   SOLE   16,138 0 0
Danaher Corp. Common 235851102 441 5,715 SH   OTR   5,715 0 0
Darden Restaurants Inc Common 237194105 995 18,300 SH   SOLE   17,900 0 400
Darden Restaurants Inc Common 237194105 41 750 SH   OTR   750 0 0
Deere & Co Common 244199105 1,816 19,885 SH   SOLE   19,885 0 0
Deere & Co Common 244199105 327 3,585 SH   OTR   3,585 0 0
Diageo Plc Spon Adr New Common 25243Q205 1,553 11,730 SH   SOLE   11,730 0 0
Diageo Plc Spon Adr New Common 25243Q205 41 310 SH   OTR   310 0 0
Disney Walt Prodtns Common 254687106 2,215 28,998 SH   SOLE   28,598 0 400
Disney Walt Prodtns Common 254687106 162 2,125 SH   OTR   2,125 0 0
Discover Finl Svcs Common 254709108 1,707 30,515 SH   SOLE   30,515 0 0
Discover Finl Svcs Common 254709108 70 1,260 SH   OTR   1,260 0 0
Dominion Res Inc. VA New Common 25746U109 1,316 20,348 SH   SOLE   19,848 0 500
Dominion Res Inc. VA New Common 25746U109 129 2,000 SH   OTR   1,000 0 1,000
Dover Corp Common 260003108 1,414 14,645 SH   SOLE   14,645 0 0
Dover Corp Common 260003108 12 125 SH   OTR   125 0 0
Dow Chemical Co. Common 260543103 67,976 1,531,001 SH   SOLE   305,216 0 1,225,785
Dow Chemical Co. Common 260543103 17,065 384,342 SH   OTR   145,954 0 238,388
Du Pont Ei De Nemours & Co. Common 263534109 438 6,749 SH   SOLE   4,631 0 2,118
Du Pont Ei De Nemours & Co. Common 263534109 88 1,360 SH   OTR   1,360 0 0
Duke Energy Corp New Common 26441C204 785 11,375 SH   SOLE   11,175 0 200
Duke Energy Corp New Common 26441C204 210 3,047 SH   OTR   3,047 0 0
EMC Corp Common 268648102 272 10,820 SH   SOLE   10,820 0 0
EMC Corp Common 268648102 210 8,347 SH   OTR   8,347 0 0
Eastman Chemical Co Common 277432100 845 10,470 SH   SOLE   10,470 0 0
Ebay Inc Common 278642103 234 4,260 SH   SOLE   4,260 0 0
Ebay Inc Common 278642103 33 600 SH   OTR   600 0 0
Ecolab Inc. Common 278865100 229 2,200 SH   SOLE   2,200 0 0
Ecolab Inc. Common 278865100 89 850 SH   OTR   350 0 500
Edison Intl Common 281020107 388 8,389 SH   SOLE   7,375 0 1,014
Edison Intl Common 281020107 9 200 SH   OTR   200 0 0
Emerson Elec Co. Common 291011104 4,407 62,801 SH   SOLE   57,801 0 5,000
Emerson Elec Co. Common 291011104 646 9,200 SH   OTR   7,800 0 1,400
Energy Transfer Prtnrs L P Common 29273R109 564 9,851 SH   SOLE   9,851 0 0
Energy Transfer Equity L P Common 29273V100 172 2,100 SH   SOLE   2,100 0 0
Energy Transfer Equity L P Common 29273V100 105 1,285 SH   OTR   1,285 0 0
Entergy Corp Common 29364G103 416 6,575 SH   SOLE   6,375 0 200
Entergy Corp Common 29364G103 101 1,600 SH   OTR   1,400 0 200
Enterprise Prods Partners Common 293792107 159 2,400 SH   SOLE   2,400 0 0
Enterprise Prods Partners Common 293792107 421 6,345 SH   OTR   5,145 0 1,200
Equity Residential SBI Common 29476L107 312 6,017 SH   SOLE   6,017 0 0
Equity Residential SBI Common 29476L107 259 5,000 SH   OTR   5,000 0 0
Exelon Corp Common 30161N101 315 11,484 SH   SOLE   11,484 0 0
Exelon Corp. Common 30161N101 8 300 SH   OTR   300 0 0
Express Scripts Hldg Co Common 30219G108 1,727 24,582 SH   SOLE   24,582 0 0
Express Scripts Hldg Co Common 30219G108 1,993 28,373 SH   OTR   28,373 0 0
Exxon Mobil Corp. Common 30231G102 15,324 151,421 SH   SOLE   131,215 0 20,206
Exxon Mobil Corp. Common 30231G102 1,414 13,971 SH   OTR   13,971 0 0
Fedex Corp Common 31428X106 224 1,560 SH   SOLE   1,560 0 0
Fedex Corp Common 31428X106 460 3,200 SH   OTR   3,200 0 0
Fiserv Inc Common 337738108 3,413 57,800 SH   SOLE   57,200 0 600
Fiserv Inc Common 337738108 464 7,858 SH   OTR   7,858 0 0
Firstenergy Corp Common 337932107 240 7,281 SH   SOLE   7,281 0 0
Firstenergy Corp Common 337932107 175 5,300 SH   OTR   2,800 0 2,500
Ford Motor Co Common 345370860 590 38,251 SH   SOLE   38,251 0 0
Ford Motor Co Common 345370860 51 3,300 SH   OTR   3,300 0 0
Fortune Brands Home & Sec In Common 34964C106 472 10,320 SH   SOLE   6,800 0 3,520
Frontier Communications Corp Common 35906A108 94 20,119 SH   SOLE   20,119 0 0
Frontier Communications Corp Common 35906A108 19 4,169 SH   OTR   4,169 0 0
General Dynamics Co. Common 369550108 232 2,430 SH   SOLE   1,930 0 500
General Dynamics Co Common 369550108 162 1,700 SH   OTR   1,500 0 200
General Elec Co. Common 369604103 6,398 228,238 SH   SOLE   222,338 0 5,900
General Elec Co. Common 369604103 312 11,135 SH   OTR   8,335 0 2,800
General Mls Inc. Common 370334104 2,567 51,430 SH   SOLE   49,130 0 2,300
General Mls Inc. Common 370334104 229 4,590 SH   OTR   4,590 0 0
Gentex Corp Common 371901109 223 6,750 SH   OTR   6,350 0 400
Genuine Parts Co. Common 372460105 4,614 55,466 SH   SOLE   52,716 0 2,750
Genuine Parts Co. Common 372460105 427 5,135 SH   OTR   4,435 0 700
Gilead Sciences Inc Common 375558103 3,586 47,750 SH   SOLE   47,750 0 0
Gilead Sciences Inc Common 375558103 456 6,072 SH   OTR   6,072 0 0
Glaxo Smithkline Common 37733W105 604 11,308 SH   SOLE   11,308 0 0
Glaxo Smithkline Common 37733W105 40 750 SH   OTR   500 0 250
Goodyear Tire & Rubr Co Common 382550101 213 8,950 SH   SOLE   8,950 0 0
Goodyear Tire & Rubr Co Common 382550101 6 250 SH   OTR   250 0 0
Google Inc Common 38259P508 1,860 1,660 SH   SOLE   1,660 0 0
Google Inc Common 38259P508 93 83 SH   OTR   53 0 30
HCP Inc Common 40414L109 2,781 76,581 SH   SOLE   74,981 0 1,600
HCP Inc Common 40414L109 484 13,315 SH   OTR   11,915 0 1,400
Halliburton Co Common 406216101 1,058 20,850 SH   SOLE   20,850 0 0
Halliburton Co Common 406216101 255 5,015 SH   OTR   4,315 0 700
Hartford Finl Svcs Common 416515104 2,399 66,218 SH   SOLE   66,218 0 0
Hartford Finl Svcs Common 416515104 40 1,095 SH   OTR   1,095 0 0
Health Care Reit Inc Common 42217K106 393 7,330 SH   SOLE   7,330 0 0
Hewlett Packard Co. Common 428236103 377 13,477 SH   SOLE   13,077 0 400
Hewlett Packard Co. Common 428236103 34 1,200 SH   OTR   1,200 0 0
Hollyfrontier Corp Common 436106108 1,263 25,425 SH   SOLE   25,425 0 0
Hollyfrontier Corp Common 436106108 4 75 SH   OTR   75 0 0
Home Depot, Inc. Common 437076102 2,659 32,297 SH   SOLE   31,847 0 450
Home Depot, Inc. Common 437076102 147 1,780 SH   OTR   1,180 0 600
Honeywell Intl Inc Common 438516106 1,722 18,847 SH   SOLE   18,547 0 300
Honeywell Intl Inc Common 438516106 225 2,465 SH   OTR   2,465 0 0
Humana Inc Common 444859102 1,369 13,259 SH   SOLE   13,259 0 0
Humana Inc Common 444859102 37 355 SH   OTR   355 0 0
Illinois Tool Works Inc Common 452308109 109 1,299 SH   SOLE   815 0 484
Illinois Tool Works Inc Common 452308109 190 2,258 SH   OTR   1,408 0 850
Intel Corp. Common 458140100 4,018 154,809 SH   SOLE   146,309 0 8,500
Intel Corp. Common 458140100 560 21,565 SH   OTR   21,065 0 500
IBM Corp. Common 459200101 6,038 32,193 SH   SOLE   28,337 0 3,856
IBM Corp. Common 459200101 499 2,658 SH   OTR   2,258 0 400
Ishares Gold Trust Common 464285105 217 18,550 SH   SOLE   18,550 0 0
Ishares S&P 100 ETF Common 464287101 1,466 17,800 SH   SOLE   17,800 0 0
Ishares DJ Select Divd ETF Common 464287168 271 3,794 SH   SOLE   3,794 0 0
Ishares Core S&P 500 ETF Common 464287200 4,439 23,912 SH   SOLE   23,912 0 0
Ishares Core S&P 500 ETF Common 464287200 117 632 SH   OTR   632 0 0
Ishares Tr Index Iboxx In Gr Common 464287242 514 4,500 SH   SOLE   4,500 0 0
Ishares Tr Index Iboxx In Gr Common 464287242 164 1,439 SH   OTR   1,439 0 0
Ishares Msci Eafe ETF Common 464287465 351 5,226 SH   SOLE   5,226 0 0
Ishares Msci Eafe ETF Common 464287465 91 1,355 SH   OTR   1,155 0 200
Ishares Core S&P Mid-Cap Common 464287507 860 6,426 SH   SOLE   6,426 0 0
Ishares Core S&P Mid-Cap Common 464287507 59 440 SH   OTR   440 0 0
Ishares Russell 2000 ETF Common 464287655 1,121 9,715 SH   SOLE   9,715 0 0
Ishares Russell 2000 ETF Common 464287655 19 168 SH   OTR   168 0 0
Ishares Tr ETF Dj Us Industrl Common 464287754 518 5,110 SH   SOLE   5,110 0 0
Ishares Dj US Finl Sect ETF Common 464287788 358 4,460 SH   SOLE   4,460 0 0
Ishares Tr S&P Natl Mun Bd Common 464288414 217 2,091 SH   SOLE   2,091 0 0
Ishares Tr Barclays Inter Gv Common 464288612 673 6,150 SH   SOLE   6,150 0 0
Ishares Tr Barclays Inter Credit Bnd Common 464288638 137 1,267 SH   SOLE   1,267 0 0
Ishares Tr Barclays Inter Credit Bnd Common 464288638 78 720 SH   OTR   720 0 0
Ishares Barclays 1-3 yr Common 464288646 363 3,441 SH   SOLE   3,441 0 0
Ishares Barclays 1-3 yr Common 464288646 75 715 SH   OTR   715 0 0
Itc Hldgs Corp Common 465685105 168 1,750 SH   SOLE   1,750 0 0
Itc Hldgs Corp Common 465685105 383 4,000 SH   OTR   4,000 0 0
J.P. Morgan Chase & Co. Common 46625H100 6,342 108,447 SH   SOLE   106,355 0 2,092
J.P. Morgan Chase & Co. Common 46625H100 615 10,524 SH   OTR   9,624 0 900
Jacobs Engr Group Inc. Common 469814107 536 8,515 SH   SOLE   8,515 0 0
Jacobs Engr Group Inc. Common 469814107 435 6,900 SH   OTR   6,900 0 0
Johnson & Johnson Common 478160104 8,065 88,051 SH   SOLE   85,276 0 2,775
Johnson & Johnson Common 478160104 832 9,081 SH   OTR   8,131 0 950
Johnson Ctls Inc. Common 478366107 2,769 53,973 SH   SOLE   53,973 0 0
Johnson Ctls Inc. Common 478366107 176 3,425 SH   OTR   3,425 0 0
Kellogg Co. Common 487836108 883 14,455 SH   SOLE   13,055 0 1,400
Kellogg Co. Common 487836108 147 2,400 SH   OTR   2,400 0 0
Kimberly Clark Corp. Common 494368103 1,416 13,559 SH   SOLE   12,859 0 700
Kimberly Clark Corp. Common 494368103 282 2,700 SH   OTR   1,800 0 900
Kinder Morgan Energy Common 494550106 1,050 13,022 SH   SOLE   13,022 0 0
Kinder Morgan Energy Common 494550106 139 1,720 SH   OTR   1,020 0 700
Kohl's Corp Common 500255104 443 7,800 SH   SOLE   7,400 0 400
Kohl's Corp Common 500255104 48 850 SH   OTR   0 0 850
Kraft Foods Group Inc Common 50076Q106 261 4,850 SH   SOLE   4,617 0 233
Leucadia Natl Corp Common 527288104 337 11,900 SH   SOLE   11,900 0 0
Life Technologies Corp Common 53217V109 853 11,256 SH   SOLE   11,256 0 0
Lilly Eli & Co. Common 532457108 955 18,727 SH   SOLE   18,727 0 0
Lilly Eli & Co. Common 532457108 75 1,470 SH   OTR   1,470 0 0
Linear Technology Corp. Common 535678106 358 7,850 SH   SOLE   7,850 0 0
Lockheed Martin Corp. Common 539830109 1,345 9,050 SH   SOLE   8,400 0 650
Lockheed Martin Corp. Common 539830109 45 300 SH   OTR   150 0 150
Lowes Cos Inc. Common 548661107 501 10,120 SH   SOLE   9,720 0 400
Lowes Cos Inc. Common 548661107 147 2,970 SH   OTR   2,970 0 0
M & T Bank Corporation Common 55261F104 931 8,000 SH   SOLE   8,000 0 0
MDU Res Group Inc Common 552690109 331 10,831 SH   SOLE   10,831 0 0
MDU Res Group Inc Common 552690109 13 427 SH   OTR   427 0 0
Macatawa Bank Corp Common 554225102 65 13,000 SH   SOLE   13,000 0 0
Magna Int'l Inc Cl A Common 559222401 1,875 22,845 SH   SOLE   22,845 0 0
Magna Int'l Inc Cl A Common 559222401 71 865 SH   OTR   865 0 0
Marathon Oil Corp. Common 565849106 1,125 31,860 SH   SOLE   31,860 0 0
Marathon Oil Corp. Common 565849106 85 2,400 SH   OTR   2,400 0 0
Marathon Pete Corp Common 56585A102 695 7,580 SH   SOLE   7,580 0 0
Marathon Pete Corp Common 56585A102 83 900 SH   OTR   900 0 0
McDonalds Corp Common 580135101 4,563 47,029 SH   SOLE   45,829 0 1,200
McDonalds Corp Common 580135101 734 7,568 SH   OTR   6,618 0 950
McKesson Hboc Inc Common 58155Q103 1,583 9,810 SH   SOLE   9,810 0 0
McKesson Hboc Inc Common 58155Q103 36 220 SH   OTR   220 0 0
Merck & Co. Inc. New Common 58933Y105 4,113 82,172 SH   SOLE   80,772 0 1,400
Merck & Co. Inc. New Common 58933Y105 364 7,270 SH   OTR   7,270 0 0
Metlife Inc. Common 59156R108 1,211 22,462 SH   SOLE   22,462 0 0
Metlife Inc. Common 59156R108 79 1,460 SH   OTR   1,460 0 0
Microsoft Corp. Common 594918104 2,255 60,283 SH   SOLE   59,683 0 600
Microsoft Corp. Common 594918104 785 20,975 SH   OTR   17,075 0 3,900
Microchip Tech Common 595017104 3,597 80,385 SH   SOLE   74,485 0 5,900
Microchip Tech Common 595017104 192 4,300 SH   OTR   3,900 0 400
Mohawk Industries Common 608190104 1,228 8,249 SH   SOLE   8,249 0 0
Mondelez Intl Inc Common 609207105 336 9,529 SH   SOLE   9,529 0 0
Monsanto Co Common 61166W101 199 1,704 SH   SOLE   1,704 0 0
Monsanto Co Common 61166W101 58 500 SH   OTR   500 0 0
Mylan Inc Common 628530107 2,362 54,425 SH   SOLE   53,725 0 700
Mylan Inc Common 628530107 39 890 SH   OTR   890 0 0
NCR Corp Common 62886E108 921 27,030 SH   SOLE   27,030 0 0
National Fuel Gas Co. Common 636180101 468 6,550 SH   SOLE   5,950 0 600
National Fuel Gas Co. Common 636180101 75 1,050 SH   OTR   1,050 0 0
National - Oilwell Varco Common 637071101 1,000 12,577 SH   SOLE   12,577 0 0
National - Oilwell Varco Common 637071101 113 1,425 SH   OTR   1,425 0 0
Neogen Corp Common 640491106 854 18,697 SH   SOLE   18,697 0 0
Neogen Corp Common 640491106 183 4,012 SH   OTR   1,012 0 3,000
Newmont Mining Corp Common 651639106 387 16,820 SH   SOLE   16,820 0 0
Newmont Mining Corp Common 651639106 7 295 SH   OTR   295 0 0
Nextera Energy Inc Common 65339F101 2,788 32,563 SH   SOLE   30,763 0 1,800
Nextera Energy Inc Common 65339F101 319 3,724 SH   OTR   3,724 0 0
Nike Inc. Cl B Common 654106103 1,435 18,250 SH   SOLE   18,250 0 0
Nike Inc. Cl B Common 654106103 398 5,055 SH   OTR   5,055 0 0
Norfolk Southn Corp Common 655844108 435 4,690 SH   SOLE   4,690 0 0
Norfolk Southn Corp Common 655844108 183 1,969 SH   OTR   1,969 0 0
Novartis ADR Common 66987V109 141 1,750 SH   SOLE   1,750 0 0
Novartis ADR Common 66987V109 201 2,500 SH   OTR   2,500 0 0
Nucor Corp Common 670346105 459 8,590 SH   SOLE   8,590 0 0
Nucor Corp Common 670346105 48 900 SH   OTR   900 0 0
Nustar Energy LP Common 67058H102 351 6,875 SH   SOLE   6,875 0 0
Nuveen Quality Pref Common 67071S101 161 21,000 SH   OTR   21,000 0 0
O'Reilly Automotive Inc Common 67103H107 736 5,720 SH   SOLE   5,720 0 0
Oneok Partners LP Common 68268N103 115 2,180 SH   SOLE   2,180 0 0
Oneok Partners LP Common 68268N103 113 2,150 SH   OTR   2,150 0 0
Oneok Inc New Common 682680103 1,105 17,763 SH   SOLE   16,963 0 800
Oneok Inc New Common 682680103 82 1,318 SH   OTR   1,318 0 0
Oracle Corp. Common 68389X105 3,159 82,559 SH   SOLE   82,559 0 0
Oracle Corp. Common 68389X105 401 10,485 SH   OTR   9,385 0 1,100
PG & E Corp Common 69331C108 319 7,925 SH   SOLE   7,925 0 0
PG & E Corp Common 69331C108 38 950 SH   OTR   950 0 0
PPG Inds Inc Common 693506107 993 5,234 SH   SOLE   4,984 0 250
PPG Inds Inc Common 693506107 124 655 SH   OTR   655 0 0
PPL Corp Common 69351T106 484 16,075 SH   SOLE   16,075 0 0
PPL Corp Common 69351T106 89 2,950 SH   OTR   850 0 2,100
PVR Partners L P Common 693665101 411 15,315 SH   SOLE   15,315 0 0
Packaging Corp Amer Common 695156109 656 10,370 SH   SOLE   10,370 0 0
Packaging Corp Amer Common 695156109 25 400 SH   OTR   400 0 0
Paychex, Inc. Common 704326107 453 9,950 SH   SOLE   9,950 0 0
Paychex, Inc. Common 704326107 16 350 SH   OTR   350 0 0
Pepsico Inc. Common 713448108 2,596 31,304 SH   SOLE   28,529 0 2,775
Pepsico Inc. Common 713448108 705 8,505 SH   OTR   8,505 0 0
Pfizer Inc. Common 717081103 5,327 173,900 SH   SOLE   153,889 0 20,011
Pfizer Inc. Common 717081103 677 22,093 SH   OTR   18,805 0 3,288
Philip Morris Intl Inc. Common 718172109 770 8,840 SH   SOLE   8,840 0 0
Philip Morris Intl Inc. Common 718172109 94 1,075 SH   OTR   1,075 0 0
Phillips 66 Common 718546104 2,319 30,063 SH   SOLE   29,719 0 344
Phillips 66 Common 718546104 246 3,185 SH   OTR   3,185 0 0
Pinnacle West Cap Corp. Common 723484101 359 6,784 SH   SOLE   6,234 0 550
Powershares QQQ Trust Common 73935A104 1,471 16,719 SH   SOLE   16,719 0 0
Praxair Inc. Common 74005P104 1,004 7,720 SH   SOLE   7,720 0 0
Praxair Inc. Common 74005P104 449 3,454 SH   OTR   3,454 0 0
T Rowe Price Group Inc Common 74144T108 883 10,543 SH   SOLE   10,543 0 0
T Rowe Price Group Inc Common 74144T108 124 1,485 SH   OTR   1,485 0 0
Procter & Gamble Co. Common 742718109 5,765 70,817 SH   SOLE   67,723 0 3,094
Procter & Gamble Co. Common 742718109 696 8,553 SH   OTR   8,553 0 0
Prudential Financial Common 744320102 2,577 27,949 SH   SOLE   27,949 0 0
Prudential Financial Common 744320102 329 3,570 SH   OTR   3,570 0 0
Public Svc Enterprise Group In Common 744573106 10 315 SH   SOLE   315 0 0
Public Svc Enterprise Group In Common 744573106 469 14,649 SH   OTR   0 0 14,649
Qualcomm Incorporated Common 747525103 4,116 55,435 SH   SOLE   55,435 0 0
Qualcomm Incorporated Common 747525103 317 4,265 SH   OTR   3,665 0 600
Raymond James Finl Inc Common 754730109 895 17,150 SH   SOLE   17,150 0 0
Raymond James Finl Inc Common 754730109 22 420 SH   OTR   420 0 0
Raytheon Company Common 755111507 272 2,995 SH   SOLE   2,995 0 0
Rockwell Automation Inc Common 773903109 375 3,175 SH   SOLE   3,175 0 0
Rockwell Automation Inc Common 773903109 59 500 SH   OTR   0 0 500
Royal Dutch Shell PLC Common 780259206 1,306 18,325 SH   SOLE   17,100 0 1,225
Royal Dutch Shell PLC Common 780259206 400 5,616 SH   OTR   5,416 0 200
Guggenheim S&P 500 Common 78355W106 300 4,214 SH   SOLE   4,214 0 0
SJW Corp Com Common 784305104 223 7,500 SH   OTR   7,500 0 0
SPDR S&P 500 ETF Trust Common 78462F103 653 3,538 SH   SOLE   3,538 0 0
SPDR S&P 500 ETF Trust Common 78462F103 20 110 SH   OTR   110 0 0
SPDR Gold Trust Common 78463V107 289 2,490 SH   SOLE   2,490 0 0
SPDR Gold Trust Common 78463V107 141 1,215 SH   OTR   1,215 0 0
SPDR S&P Divd ETF Common 78464A763 639 8,793 SH   SOLE   8,793 0 0
SPDR S&P Divd ETF Common 78464A763 242 3,332 SH   OTR   3,332 0 0
St. Jude Med Inc. Common 790849103 870 14,050 SH   SOLE   14,050 0 0
Schlumberger Ltd. Common 806857108 1,449 16,076 SH   SOLE   16,076 0 0
Schlumberger Ltd. Common 806857108 676 7,505 SH   OTR   7,505 0 0
Select Sector Spdr Cons Discr Etf Common 81369Y407 267 4,000 SH   SOLE   4,000 0 0
Select Sector Spdr Cons Discr Etf Common 81369Y407 47 710 SH   OTR   710 0 0
Select Sector Spdr/Energy Etf Common 81369Y506 385 4,355 SH   SOLE   4,355 0 0
Select Sector Spdr/Energy Etf Common 81369Y506 46 518 SH   OTR   518 0 0
Select Sector SPDR Tr/Fin'l Common 81369Y605 1,360 62,195 SH   SOLE   62,195 0 0
Select Sector SPDR Tr/Fin'l Common 81369Y605 83 3,801 SH   OTR   3,801 0 0
Select Sector SPDR Tech Common 81369Y803 560 15,659 SH   SOLE   15,659 0 0
Select Sector SPDR Tech Common 81369Y803 81 2,261 SH   OTR   2,261 0 0
Sempra Energy Inc Corp Common 816851109 275 3,066 SH   SOLE   2,266 0 800
Sigma Aldrich Corp. Common 826552101 210 2,230 SH   SOLE   2,230 0 0
Sigma Aldrich Corp. Common 826552101 160 1,700 SH   OTR   1,700 0 0
Simon Ppty Group Inc. Common 828806109 4,072 26,761 SH   SOLE   26,054 0 707
Simon Ppty Group Inc. Common 828806109 152 1,001 SH   OTR   1,001 0 0
Smith A O Common 831865209 324 6,000 SH   OTR   6,000 0 0
Smucker J M Co Common 832696405 552 5,323 SH   SOLE   4,823 0 500
Sonoco Prods Co Common 835495102 318 7,625 SH   SOLE   7,625 0 0
Sonoco Prods Co Common 835495102 13 300 SH   OTR   0 0 300
Southern Co. Common 842587107 842 20,480 SH   SOLE   19,680 0 800
Southern Co. Common 842587107 61 1,476 SH   OTR   1,476 0 0
Spectra Energy Corp Common 847560109 948 26,607 SH   SOLE   25,707 0 900
Spectra Energy Corp Common 847560109 202 5,668 SH   OTR   5,668 0 0
Stanley Black and Decker Common 854502101 435 5,387 SH   SOLE   5,387 0 0
State Street Corp Common 857477103 837 11,408 SH   SOLE   11,408 0 0
State Street Corp Common 857477103 51 700 SH   OTR   500 0 200
Stryker Corp. Common 863667101 566 7,539 SH   SOLE   7,539 0 0
Stryker Corp. Common 863667101 2,820 37,525 SH   OTR   35,825 0 1,700
Sturm Ruger & Co Common 864159108 439 6,000 SH   SOLE   6,000 0 0
Sysco Corp. Common 871829107 373 10,343 SH   SOLE   10,343 0 0
Sysco Corp. Common 871829107 14 400 SH   OTR   400 0 0
TJX Cos Inc Common 872540109 233 3,650 SH   SOLE   3,650 0 0
Target Corp. Common 87612E106 1,105 17,467 SH   SOLE   16,017 0 1,450
Target Corp. Common 87612E106 220 3,470 SH   OTR   3,470 0 0
Teva Pharmaceutical Inds Common 881624209 1,034 25,807 SH   SOLE   25,807 0 0
Teva Pharmaceutical Inds Common 881624209 301 7,500 SH   OTR   7,400 0 100
Texas Instruments Common 882508104 343 7,814 SH   SOLE   7,814 0 0
Texas Instruments Common 882508104 22 500 SH   OTR   500 0 0
3M Co. Common 88579Y101 3,019 21,524 SH   SOLE   17,064 0 4,460
3M Co. Common 88579Y101 204 1,455 SH   OTR   955 0 500
Time Warner Cable Inc Common 88732J207 1,205 8,893 SH   SOLE   8,893 0 0
Time Warner Cable Inc Common 88732J207 230 1,700 SH   OTR   1,700 0 0
Totalfinaelf S A ADR Common 89151E109 361 5,900 SH   SOLE   5,900 0 0
Travelers Companies Inc Common 89417E109 589 6,501 SH   SOLE   6,501 0 0
Travelers Companies Inc Common 89417E109 18 200 SH   OTR   200 0 0
Trinity Industries Inc Common 896522109 707 12,970 SH   SOLE   12,970 0 0
Trinity Industries Inc Common 896522109 71 1,300 SH   OTR   1,300 0 0
Tupperware Brands Corp Common 899896104 1,407 14,885 SH   SOLE   14,585 0 300
Tupperware Brands Corp Common 899896104 26 270 SH   OTR   270 0 0
Tyson Foods Inc CL A Common 902494103 273 8,147 SH   SOLE   8,147 0 0
U S Bankcorp Del New Common 902973304 268 6,634 SH   SOLE   6,634 0 0
U S Bankcorp Del New Common 902973304 140 3,475 SH   OTR   3,475 0 0
Union Pac Corp Common 907818108 75 448 SH   SOLE   448 0 0
Union Pac Corp Common 907818108 269 1,600 SH   OTR   1,600 0 0
United Parcel Service Common 911312106 664 6,319 SH   SOLE   6,319 0 0
United Parcel Service Common 911312106 67 635 SH   OTR   635 0 0
United Rentals Inc Common 911363109 943 12,092 SH   SOLE   12,092 0 0
United Technologies Corp. Common 913017109 8,738 76,786 SH   SOLE   57,086 0 19,700
United Technologies Corp. Common 913017109 694 6,101 SH   OTR   6,101 0 0
United Health Group Inc Common 91324P102 255 3,385 SH   SOLE   3,385 0 0
United Health Group Inc Common 91324P102 14 190 SH   OTR   190 0 0
V F Corp Common 918204108 1,501 24,072 SH   SOLE   22,472 0 1,600
V F Corp Common 918204108 62 1,000 SH   OTR   0 0 1,000
Valero Energy Corp New Common 91913Y100 605 12,000 SH   SOLE   12,000 0 0
Valero Energy Corp New Common 91913Y100 6 110 SH   OTR   110 0 0
Vanguard Long-Term Common 921937793 295 3,613 SH   OTR   3,613 0 0
Vanguard Bd Index Fd Short Term Common 921937827 1,190 14,884 SH   SOLE   14,884 0 0
Vanguard Bd Index Fd Tot Common 921937835 1,162 14,511 SH   SOLE   14,511 0 0
Vanguard Ftse All-World Common 922042775 2,298 45,300 SH   SOLE   45,300 0 0
Vanguard Ftse Emerging Mkts Common 922042858 231 5,610 SH   SOLE   5,610 0 0
Vanguard Ftse Emerging Mkts Common 922042858 222 5,386 SH   OTR   5,286 0 100
Vanguard Consumer Discret Common 92204A108 427 3,955 SH   SOLE   3,955 0 0
Vanguard Consumer Staples Etf Common 92204A207 376 3,420 SH   SOLE   3,420 0 0
Vanguard Financial ETF Common 92204A405 1,553 34,967 SH   SOLE   34,967 0 0
Vanguard Financial ETF Common 92204A405 173 3,899 SH   OTR   3,899 0 0
Vanguard World Fds Health Common 92204A504 493 4,880 SH   SOLE   4,880 0 0
Vanguard Index Fds Reit Common 922908553 779 12,060 SH   SOLE   12,060 0 0
Vanguard Index Fds Reit Common 922908553 105 1,624 SH   OTR   1,624 0 0
Vanguard Growth ETF Common 922908736 6,539 70,274 SH   SOLE   70,274 0 0
Vanguard Growth ETF Common 922908736 44 475 SH   OTR   475 0 0
Vanguard Value ETF Common 922908744 5,924 77,554 SH   SOLE   77,554 0 0
Vanguard Value ETF Common 922908744 44 575 SH   OTR   575 0 0
Vanguard Small-cap ETF Common 922908751 84 763 SH   SOLE   763 0 0
Vanguard Small-cap ETF Common 922908751 379 3,449 SH   OTR   3,449 0 0
Verizon Communications Common 92343V104 3,689 75,079 SH   SOLE   70,235 0 4,844
Verizon Communications Common 92343V104 632 12,868 SH   OTR   12,868 0 0
Visa Inc CL A Common 92826C839 1,383 6,212 SH   SOLE   6,212 0 0
Visa Inc CL A Common 92826C839 97 435 SH   OTR   435 0 0
Vodafone Group PLC Common 92857W209 1,525 38,786 SH   SOLE   38,786 0 0
Vodafone Group PLC Common 92857W209 27 682 SH   OTR   682 0 0
Vulcan Materials Co Common 929160109 276 4,650 SH   SOLE   4,650 0 0
Vulcan Materials Co Common 929160109 12 200 SH   OTR   200 0 0
Wal Mart Stores Inc. Common 931142103 1,795 22,816 SH   SOLE   22,816 0 0
Wal Mart Stores Inc. Common 931142103 175 2,225 SH   OTR   2,225 0 0
Walgreen Co. Common 931422109 1,040 18,111 SH   SOLE   17,811 0 300
Walgreen Co. Common 931422109 294 5,125 SH   OTR   5,125 0 0
Waste Management Common 94106L109 1,861 41,486 SH   SOLE   39,086 0 2,400
Waste Management Common 94106L109 359 8,010 SH   OTR   6,210 0 1,800
Westpac Bkg Corp Common 961214301 301 10,375 SH   SOLE   10,375 0 0
Xerox Corp Common 984121103 476 39,150 SH   SOLE   39,150 0 0
Zimmer Hldgs Common 98956P102 379 4,069 SH   SOLE   3,762 0 307
Zimmer Hldgs Common 98956P102 23 250 SH   OTR   250 0 0