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 1,424 6,919 SH   SOLE   6,919 0 0
Aon PLC Common G0408V102 96 1,142 SH   SOLE   1,142 0 0
Aon PLC Common G0408V102 118 1,400 SH   OTR   1,400 0 0
Accenture PLC Ireland CL A Common G1151C101 3,040 38,136 SH   SOLE   38,136 0 0
Accenture PLC Ireland CL A Common G1151C101 606 7,602 SH   OTR   7,002 0 600
Covidien PLC Common G2554F113 306 4,160 SH   SOLE   4,160 0 0
Eaton Corp PLC Common G29183103 933 12,414 SH   SOLE   12,414 0 0
Eaton Corp PLC Common G29183103 8 100 SH   OTR   100 0 0
Everest Re Group Limited Common G3223R108 477 3,115 SH   SOLE   3,115 0 0
Invesco LTD Common G491BT108 921 24,905 SH   SOLE   24,905 0 0
Invesco LTD Common G491BT108 72 1,950 SH   OTR   1,950 0 0
Noble Corporation Common H5833N103 1,269 38,759 SH   SOLE   38,759 0 0
Noble Corporation Common H5833N103 54 1,650 SH   OTR   1,450 0 200
Check Point Software Tech Common M22465104 262 3,875 SH   SOLE   3,875 0 0
AFLAC Inc. Common 001055102 1,636 25,949 SH   SOLE   25,649 0 300
AFLAC Inc. Common 001055102 284 4,500 SH   OTR   3,400 0 1,100
AGL Resouces, Inc Common 001204106 224 4,581 SH   SOLE   4,581 0 0
AGL Resouces, Inc Common 001204106 78 1,599 SH   OTR   1,599 0 0
AT&T Inc. Common 00206R102 5,502 156,888 SH   SOLE   145,532 0 11,356
AT&T Inc. Common 00206R102 601 17,132 SH   OTR   17,132 0 0
Abbott Labs Common 002824100 2,000 51,943 SH   SOLE   48,368 0 3,575
Abbott Labs Common 002824100 738 19,167 SH   OTR   18,867 0 300
Abbvie Inc Common 00287Y109 4,186 81,439 SH   SOLE   77,364 0 4,075
Abbvie Inc Common 00287Y109 1,060 20,627 SH   OTR   20,127 0 500
Activision Blizzard Inc Common 00507V109 1,241 60,710 SH   SOLE   60,710 0 0
Advanced Auto Parts Inc. Common 00751Y106 1,578 12,475 SH   SOLE   12,475 0 0
Aetna U S Healthcare Inc. Common 00817Y108 2,348 31,320 SH   SOLE   31,220 0 100
Aetna U S Healthcare Inc. Common 00817Y108 94 1,250 SH   OTR   1,250 0 0
Air Products & Chemicals Inc Common 009158106 580 4,873 SH   SOLE   4,673 0 200
Air Products & Chemicals Inc Common 009158106 60 500 SH   OTR   0 0 500
Alaska Communications Common 01167P101 23 11,900 SH   SOLE   11,900 0 0
Alcoa Inc Common 013817101 150 11,635 SH   SOLE   11,635 0 0
Alliance Res Partner Lp Common 01877R108 261 3,100 SH   SOLE   3,100 0 0
Alliancebernstein Income Common 01881E101 466 63,527 SH   SOLE   63,527 0 0
Allstate Corp Common 020002101 436 7,700 SH   SOLE   7,700 0 0
Altria Group Inc Common 02209S103 4,121 110,100 SH   SOLE   109,500 0 600
Altria Group Inc Common 02209S103 234 6,260 SH   OTR   3,760 0 2,500
American Elec Pwr Inc Common 025537101 2,008 39,635 SH   SOLE   39,335 0 300
American Elec Pwr Inc Common 025537101 295 5,830 SH   OTR   4,530 0 1,300
American Express Common 025816109 5,769 64,074 SH   SOLE   64,074 0 0
American Express Common 025816109 176 1,950 SH   OTR   1,950 0 0
Amgen Inc. Common 031162100 469 3,800 SH   SOLE   3,800 0 0
Amgen Inc. Common 031162100 537 4,350 SH   OTR   4,350 0 0
Amphenol Corp New Common 032095101 1,241 13,538 SH   SOLE   13,538 0 0
Amphenol Corp New Common 032095101 32 350 SH   OTR   350 0 0
Analog Devices Inc. Common 032654105 891 16,775 SH   SOLE   16,775 0 0
Analog Devices Inc. Common 032654105 27 500 SH   OTR   500 0 0
Apache Corp. Common 037411105 342 4,124 SH   SOLE   4,124 0 0
Apache Corp. Common 037411105 93 1,125 SH   OTR   925 0 200
Apollo Global Management Common 037612306 178 5,600 SH   SOLE   5,600 0 0
Apollo Global Management Common 037612306 95 3,000 SH   OTR   0 0 3,000
Apple Inc. Common 037833100 2,516 4,688 SH   SOLE   4,628 0 60
Apple Inc. Common 037833100 556 1,036 SH   OTR   1,036 0 0
Applied Matls Inc Common 038222105 1,015 49,697 SH   SOLE   47,597 0 2,100
Archer Daniels Midland Co Common 039483102 126 2,900 SH   SOLE   2,900 0 0
Archer Daniels Midland Co Common 039483102 87 2,000 SH   OTR   2,000 0 0
Astrazeneca PLC ADR Common 046353108 389 6,000 SH   SOLE   6,000 0 0
Atwood Oceanics Inc Common 050095108 639 12,690 SH   SOLE   12,690 0 0
Automatic Data Processing Inc Common 053015103 5,333 69,031 SH   SOLE   65,331 0 3,700
Automatic Data Processing Common 053015103 484 6,265 SH   OTR   4,815 0 1,450
AVNET INC Common 053807103 1,114 23,946 SH   SOLE   23,946 0 0
BCE Inc Common 05534B760 300 6,943 SH   SOLE   6,943 0 0
Bank Hawaii Corp Common 062540109 1,080 17,825 SH   SOLE   17,575 0 250
Bank Hawaii Corp Common 062540109 253 4,175 SH   OTR   3,775 0 400
Bank Montreal Que Common 063671101 335 5,000 SH   SOLE   5,000 0 0
Bank New York Mellon Corp Common 064058100 398 11,267 SH   SOLE   10,967 0 300
Baxter Intl Inc. Common 071813109 684 9,293 SH   SOLE   9,293 0 0
Baxter Intl Inc. Common 071813109 151 2,050 SH   OTR   2,050 0 0
Beam Inc Common 073730103 816 9,800 SH   SOLE   6,800 0 3,000
Becton Dickerson & Co Common 075887109 445 3,800 SH   SOLE   3,500 0 300
Becton Dickerson & Co Common 075887109 56 475 SH   OTR   75 0 400
Bed Bath & Beyond Inc Common 075896100 188 2,730 SH   SOLE   2,730 0 0
Bed Bath & Beyond Inc Common 075896100 71 1,025 SH   OTR   1,025 0 0
Biogen Idec Inc Common 09062X103 2 5 SH   SOLE   5 0 0
Biogen Idec Inc Common 09062X103 474 1,550 SH   OTR   1,550 0 0
Blackrock Inc Common 09247X101 402 1,279 SH   SOLE   1,279 0 0
Blackrock Inc Common 09247X101 377 1,200 SH   OTR   900 0 300
Blackrock Credit All Inc Common 092508100 249 18,397 SH   OTR   18,397 0 0
Blackstone Group LP Common 09253U108 671 20,177 SH   SOLE   20,177 0 0
Blackstone Group LP Common 09253U108 58 1,730 SH   OTR   1,730 0 0
Boeing Co Common 097023105 289 2,300 SH   SOLE   2,300 0 0
Boeing Co Common 097023105 215 1,710 SH   OTR   1,710 0 0
Brandywine Rlty Tr Common 105368203 364 25,200 SH   SOLE   25,200 0 0
Bristol-Myers Squibb Co. Common 110122108 1,966 37,851 SH   SOLE   34,075 0 3,776
Bristol-Myers Squibb Co. Common 110122108 483 9,290 SH   OTR   7,590 0 1,700
Buckeye Partners L P Common 118230101 740 9,865 SH   SOLE   9,865 0 0
Buckeye Partners L P Common 118230101 25 333 SH   OTR   333 0 0
Cigna Corp Common 125509109 234 2,800 SH   SOLE   1,500 0 1,300
CMS Energy Corp. Common 125896100 964 32,936 SH   SOLE   32,936 0 0
CMS Energy Corp. Common 125896100 15 504 SH   OTR   504 0 0
CSX Corp Common 126408103 833 28,750 SH   SOLE   28,750 0 0
CSX Corp Common 126408103 45 1,550 SH   OTR   1,550 0 0
CVS/Caremark Common 126650100 3,661 48,906 SH   SOLE   48,906 0 0
CVS/Caremark Common 126650100 192 2,565 SH   OTR   2,565 0 0
California Wtr Svc Group Common 130788102 239 10,000 SH   OTR   10,000 0 0
Canadian Nat'l Ry Co. Common 136375102 295 5,248 SH   SOLE   5,248 0 0
Canadian Nat'l Ry Co. Common 136375102 84 1,500 SH   OTR   1,500 0 0
Caterpillar Tractor Co. Common 149123101 3,196 32,164 SH   SOLE   30,314 0 1,850
Caterpillar Tractor Co. Common 149123101 417 4,198 SH   OTR   4,198 0 0
Celgene Corp Com Common 151020104 2,307 16,528 SH   SOLE   16,528 0 0
Celgene Corp Com Common 151020104 120 857 SH   OTR   857 0 0
Centurylink Inc. Common 156700106 557 16,954 SH   SOLE   16,954 0 0
Centurylink Inc. Common 156700106 714 21,730 SH   OTR   21,430 0 300
Chemical Financial Corp. Common 163731102 41,689 1,284,708 SH   SOLE   999,298 0 285,410
Chemical Financial Corp. Common 163731102 2,776 85,553 SH   OTR   84,690 0 863
Chevron Corporation Common 166764100 8,397 70,614 SH   SOLE   63,364 0 7,250
Chevron Corporation Common 166764100 939 7,897 SH   OTR   6,897 0 1,000
Chicago Bridge & Iron Co Common 167250109 1,055 12,111 SH   SOLE   12,111 0 0
Chubb Corp Common 171232101 1,755 19,650 SH   SOLE   18,850 0 800
Chubb Corp Common 171232101 25 285 SH   OTR   285 0 0
Cisco Systems Inc Common 17275R102 1,815 80,994 SH   SOLE   80,994 0 0
Cisco Systems Inc Common 17275R102 240 10,700 SH   OTR   9,950 0 750
Clorox Co Common 189054109 548 6,228 SH   SOLE   6,228 0 0
Clorox Co Common 189054109 95 1,085 SH   OTR   1,085 0 0
Coach Inc Common 189754104 409 8,240 SH   SOLE   8,240 0 0
Coach Inc Common 189754104 43 875 SH   OTR   875 0 0
Coca Cola Co. Common 191216100 3,989 103,173 SH   SOLE   96,373 0 6,800
Coca Cola Co. Common 191216100 451 11,655 SH   OTR   11,655 0 0
Cogizant Tech Solutions Common 192446102 1,332 26,330 SH   SOLE   26,330 0 0
Cogizant Tech Solutions Common 192446102 51 1,000 SH   OTR   1,000 0 0
Cohen & Steers Tot RetRlty Common 19247R103 167 13,000 SH   OTR   13,000 0 0
Colgate Palmolive Co. Common 194162103 626 9,646 SH   SOLE   8,246 0 1,400
Colgate Palmolive Co. Common 194162103 62 950 SH   OTR   950 0 0
Comcast Corp New Cl A Common 20030N101 1,257 25,128 SH   SOLE   25,128 0 0
Comcast Corp New Cl A Common 20030N101 10 200 SH   OTR   200 0 0
Comerica Inc. Common 200340107 735 14,181 SH   SOLE   14,181 0 0
Comerica Inc. Common 200340107 41 800 SH   OTR   0 0 800
Conocophillips Common 20825C104 3,707 52,692 SH   SOLE   50,794 0 1,898
Conocophillips Common 20825C104 712 10,126 SH   OTR   8,726 0 1,400
Corning Inc. Common 219350105 1,420 68,224 SH   SOLE   68,224 0 0
Corning Inc. Common 219350105 189 9,100 SH   OTR   8,700 0 400
Costco Whsl Corp New Common 22160K105 1,657 14,835 SH   SOLE   14,835 0 0
Cullen Frost Bankers Inc Common 229899109 485 6,250 SH   SOLE   6,250 0 0
Cullen Frost Bankers Inc Common 229899109 35 449 SH   OTR   449 0 0
Cummins Inc Common 231021106 921 6,180 SH   SOLE   6,180 0 0
DTE Energy Co. Common 233331107 905 12,184 SH   SOLE   12,184 0 0
Danaher Corp. Common 235851102 1,168 15,568 SH   SOLE   15,568 0 0
Danaher Corp. Common 235851102 429 5,715 SH   OTR   5,715 0 0
Darden Restaurants Inc Common 237194105 865 17,049 SH   SOLE   16,649 0 400
Darden Restaurants Inc Common 237194105 38 750 SH   OTR   750 0 0
Deere & Co Common 244199105 1,523 16,775 SH   SOLE   16,775 0 0
Deere & Co Common 244199105 316 3,485 SH   OTR   3,485 0 0
Diageo Plc Spon Adr New Common 25243Q205 1,556 12,490 SH   SOLE   12,490 0 0
Diageo Plc Spon Adr New Common 25243Q205 39 310 SH   OTR   310 0 0
Disney Walt Prodtns Common 254687106 3,130 39,095 SH   SOLE   38,695 0 400
Disney Walt Prodtns Common 254687106 170 2,125 SH   OTR   2,125 0 0
Discover Finl Svcs Common 254709108 1,896 32,591 SH   SOLE   32,191 0 400
Discover Finl Svcs Common 254709108 73 1,260 SH   OTR   1,260 0 0
Dominion Res Inc. VA New Common 25746U109 1,444 20,340 SH   SOLE   19,840 0 500
Dominion Res Inc. VA New Common 25746U109 142 2,000 SH   OTR   1,000 0 1,000
Dover Corp Common 260003108 1,240 15,165 SH   SOLE   15,165 0 0
Dover Corp Common 260003108 10 125 SH   OTR   125 0 0
Dow Chemical Co. Common 260543103 67,277 1,384,585 SH   SOLE   188,954 0 1,195,631
Dow Chemical Co. Common 260543103 18,486 380,442 SH   OTR   145,754 0 234,688
Du Pont Ei De Nemours & Co. Common 263534109 404 6,024 SH   SOLE   3,906 0 2,118
Du Pont Ei De Nemours & Co. Common 263534109 85 1,260 SH   OTR   1,260 0 0
Duke Energy Corp New Common 26441C204 933 13,101 SH   SOLE   12,901 0 200
Duke Energy Corp New Common 26441C204 217 3,047 SH   OTR   3,047 0 0
EMC Corp Common 268648102 257 9,370 SH   SOLE   9,370 0 0
EMC Corp Common 268648102 179 6,529 SH   OTR   6,529 0 0
Eastman Chemical Co Common 277432100 1,131 13,120 SH   SOLE   13,120 0 0
Ebay Inc Common 278642103 167 3,025 SH   SOLE   3,025 0 0
Ebay Inc Common 278642103 33 600 SH   OTR   600 0 0
Ecolab Inc. Common 278865100 238 2,200 SH   SOLE   2,200 0 0
Ecolab Inc. Common 278865100 92 850 SH   OTR   350 0 500
Edison Intl Common 281020107 246 4,339 SH   SOLE   3,325 0 1,014
Edison Intl Common 281020107 11 200 SH   OTR   200 0 0
Emerson Elec Co. Common 291011104 4,296 64,305 SH   SOLE   59,405 0 4,900
Emerson Elec Co. Common 291011104 534 8,000 SH   OTR   6,200 0 1,800
Energy Transfer Prtnrs L P Common 29273R109 516 9,601 SH   SOLE   9,601 0 0
Energy Transfer Equity L P Common 29273V100 164 3,500 SH   SOLE   3,500 0 0
Energy Transfer Equity L P Common 29273V100 92 1,970 SH   OTR   1,970 0 0
Entergy Corp Common 29364G103 356 5,325 SH   SOLE   5,125 0 200
Entergy Corp Common 29364G103 107 1,600 SH   OTR   1,400 0 200
Enterprise Prods Partners Common 293792107 166 2,400 SH   SOLE   2,400 0 0
Enterprise Prods Partners Common 293792107 440 6,345 SH   OTR   5,145 0 1,200
Equity Residential SBI Common 29476L107 340 5,867 SH   SOLE   5,867 0 0
Equity Residential SBI Common 29476L107 290 5,000 SH   OTR   5,000 0 0
Exelon Corp Common 30161N101 386 11,516 SH   SOLE   11,516 0 0
Exelon Corp. Common 30161N101 10 300 SH   OTR   300 0 0
Express Scripts Hldg Co Common 30219G108 1,839 24,490 SH   SOLE   24,490 0 0
Express Scripts Hldg Co Common 30219G108 2,128 28,338 SH   OTR   28,338 0 0
Exxon Mobil Corp. Common 30231G102 11,402 116,725 SH   SOLE   96,519 0 20,206
Exxon Mobil Corp. Common 30231G102 1,365 13,971 SH   OTR   13,971 0 0
Fedex Corp Common 31428X106 207 1,560 SH   SOLE   1,560 0 0
Fedex Corp Common 31428X106 424 3,200 SH   OTR   3,200 0 0
Fiserv Inc Common 337738108 3,365 59,360 SH   SOLE   58,760 0 600
Fiserv Inc Common 337738108 389 6,858 SH   OTR   6,858 0 0
Firstenergy Corp Common 337932107 237 6,956 SH   SOLE   6,956 0 0
Firstenergy Corp Common 337932107 180 5,300 SH   OTR   2,800 0 2,500
Ford Motor Co Common 345370860 446 28,595 SH   SOLE   28,595 0 0
Ford Motor Co Common 345370860 51 3,300 SH   OTR   3,300 0 0
Fortune Brands Home & Sec In Common 34964C106 434 10,320 SH   SOLE   6,800 0 3,520
Frontier Communications Corp Common 35906A108 115 20,119 SH   SOLE   20,119 0 0
Frontier Communications Corp Common 35906A108 24 4,169 SH   OTR   4,169 0 0
General Dynamics Co. Common 369550108 265 2,430 SH   SOLE   1,930 0 500
General Dynamics Co Common 369550108 185 1,700 SH   OTR   1,500 0 200
General Elec Co. Common 369604103 4,525 174,787 SH   SOLE   169,187 0 5,600
General Elec Co. Common 369604103 288 11,120 SH   OTR   8,320 0 2,800
General Mls Inc. Common 370334104 2,440 47,080 SH   SOLE   44,780 0 2,300
General Mls Inc. Common 370334104 235 4,540 SH   OTR   4,540 0 0
General Motors Co Common 37045V100 133 3,861 SH   SOLE   3,861 0 0
General Motors Co Common 37045V100 114 3,300 SH   OTR   800 0 2,500
Gentex Corp Common 371901109 213 6,750 SH   OTR   6,350 0 400
Genuine Parts Co. Common 372460105 4,809 55,366 SH   SOLE   52,616 0 2,750
Genuine Parts Co. Common 372460105 390 4,485 SH   OTR   3,785 0 700
Gilead Sciences Inc Common 375558103 3,315 46,779 SH   SOLE   46,779 0 0
Gilead Sciences Inc Common 375558103 430 6,072 SH   OTR   6,072 0 0
Glaxo Smithkline Common 37733W105 521 9,755 SH   SOLE   9,755 0 0
Glaxo Smithkline Common 37733W105 40 750 SH   OTR   500 0 250
Goodyear Tire & Rubr Co Common 382550101 223 8,550 SH   SOLE   8,550 0 0
Goodyear Tire & Rubr Co Common 382550101 7 250 SH   OTR   250 0 0
Google Inc Common 38259P508 1,851 1,661 SH   SOLE   1,661 0 0
Google Inc Common 38259P508 93 83 SH   OTR   53 0 30
HCP Inc Common 40414L109 2,619 67,519 SH   SOLE   65,919 0 1,600
HCP Inc Common 40414L109 528 13,615 SH   OTR   11,915 0 1,700
Halliburton Co Common 406216101 1,326 22,509 SH   SOLE   22,509 0 0
Halliburton Co Common 406216101 295 5,015 SH   OTR   4,315 0 700
Hartford Finl Svcs Common 416515104 2,439 69,166 SH   SOLE   69,166 0 0
Hartford Finl Svcs Common 416515104 39 1,095 SH   OTR   1,095 0 0
Health Care Reit Inc Common 42217K106 422 7,079 SH   SOLE   7,079 0 0
Hewlett Packard Co. Common 428236103 549 16,977 SH   SOLE   16,577 0 400
Hewlett Packard Co. Common 428236103 39 1,200 SH   OTR   1,200 0 0
Hollyfrontier Corp Common 436106108 1,334 28,045 SH   SOLE   28,045 0 0
Hollyfrontier Corp Common 436106108 4 75 SH   OTR   75 0 0
Home Depot, Inc. Common 437076102 2,526 31,922 SH   SOLE   31,472 0 450
Home Depot, Inc. Common 437076102 137 1,730 SH   OTR   1,130 0 600
Honeywell Intl Inc Common 438516106 1,725 18,597 SH   SOLE   18,297 0 300
Honeywell Intl Inc Common 438516106 228 2,455 SH   OTR   2,455 0 0
Humana Inc Common 444859102 1,637 14,523 SH   SOLE   14,523 0 0
Humana Inc Common 444859102 40 355 SH   OTR   355 0 0
Illinois Tool Works Inc Common 452308109 106 1,299 SH   SOLE   815 0 484
Illinois Tool Works Inc Common 452308109 184 2,258 SH   OTR   1,408 0 850
Intel Corp. Common 458140100 3,888 150,605 SH   SOLE   142,105 0 8,500
Intel Corp. Common 458140100 536 20,765 SH   OTR   20,265 0 500
IBM Corp. Common 459200101 5,681 29,511 SH   SOLE   25,655 0 3,856
IBM Corp. Common 459200101 512 2,658 SH   OTR   2,258 0 400
Ishares Gold Trust Common 464285105 242 19,480 SH   SOLE   19,480 0 0
Ishares Gold Trust Common 464285105 10 800 SH   OTR   800 0 0
Ishares S&P 100 ETF Common 464287101 1,474 17,800 SH   SOLE   17,800 0 0
Ishares DJ Select Divd ETF Common 464287168 303 4,134 SH   SOLE   4,134 0 0
Ishares Core S&P 500 ETF Common 464287200 4,903 26,063 SH   SOLE   26,063 0 0
Ishares Core S&P 500 ETF Common 464287200 119 632 SH   OTR   632 0 0
Ishares Tr Index Iboxx In Gr Common 464287242 526 4,500 SH   SOLE   4,500 0 0
Ishares Tr Index Iboxx In Gr Common 464287242 168 1,439 SH   OTR   1,439 0 0
Ishares Msci Eafe ETF Common 464287465 722 10,741 SH   SOLE   10,741 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 1,318 9,585 SH   SOLE   9,585 0 0
Ishares Core S&P Mid-Cap Common 464287507 33 240 SH   OTR   240 0 0
Ishares Russell 2000 ETF Common 464287655 1,215 10,441 SH   SOLE   10,441 0 0
Ishares Russell 2000 ETF Common 464287655 20 168 SH   OTR   168 0 0
Ishares Tr ETF Dj Us Industrl Common 464287754 332 3,295 SH   SOLE   3,295 0 0
Ishares Dj US Finl Sect ETF Common 464287788 356 4,358 SH   SOLE   4,358 0 0
Ishares Tr S&P Natl Mun Bd Common 464288414 224 2,091 SH   SOLE   2,091 0 0
Ishares Tr Barclays Inter Gv Common 464288612 677 6,150 SH   SOLE   6,150 0 0
Ishares Tr Barclays Inter Credit Bnd Common 464288638 144 1,323 SH   SOLE   1,323 0 0
Ishares Tr Barclays Inter Credit Bnd Common 464288638 79 720 SH   OTR   720 0 0
Ishares Barclays 1-3 yr Common 464288646 398 3,774 SH   SOLE   3,774 0 0
Ishares Barclays 1-3 yr Common 464288646 75 715 SH   OTR   715 0 0
Itc Hldgs Corp Common 465685105 887 23,740 SH   SOLE   23,740 0 0
Itc Hldgs Corp Common 465685105 448 12,000 SH   OTR   12,000 0 0
J.P. Morgan Chase & Co. Common 46625H100 6,638 109,347 SH   SOLE   107,255 0 2,092
J.P. Morgan Chase & Co. Common 46625H100 591 9,729 SH   OTR   8,829 0 900
Jacobs Engr Group Inc. Common 469814107 541 8,515 SH   SOLE   8,515 0 0
Jacobs Engr Group Inc. Common 469814107 438 6,900 SH   OTR   6,900 0 0
Johnson & Johnson Common 478160104 7,084 72,119 SH   SOLE   69,344 0 2,775
Johnson & Johnson Common 478160104 843 8,581 SH   OTR   7,631 0 950
Johnson Ctls Inc. Common 478366107 2,501 52,848 SH   SOLE   52,848 0 0
Johnson Ctls Inc. Common 478366107 162 3,425 SH   OTR   3,425 0 0
KKR & Co LP Common 48248M102 144 6,300 SH   SOLE   6,300 0 0
KKR & Co LP Common 48248M102 91 4,000 SH   OTR   0 0 4,000
Kellogg Co. Common 487836108 894 14,250 SH   SOLE   12,850 0 1,400
Kellogg Co. Common 487836108 119 1,900 SH   OTR   1,900 0 0
Kimberly Clark Corp. Common 494368103 1,480 13,424 SH   SOLE   12,724 0 700
Kimberly Clark Corp. Common 494368103 298 2,700 SH   OTR   1,800 0 900
Kinder Morgan Energy Common 494550106 963 13,021 SH   SOLE   13,021 0 0
Kinder Morgan Energy Common 494550106 75 1,020 SH   OTR   1,020 0 0
Knowles Corp Common 49926D109 235 7,429 SH   SOLE   7,429 0 0
Knowles Corp Common 49926D109 2 62 SH   OTR   62 0 0
Kohl's Corp Common 500255104 437 7,700 SH   SOLE   7,300 0 400
Kohl's Corp Common 500255104 48 850 SH   OTR   0 0 850
Leucadia Natl Corp Common 527288104 333 11,900 SH   SOLE   11,900 0 0
Lilly Eli & Co. Common 532457108 948 16,112 SH   SOLE   16,112 0 0
Lilly Eli & Co. Common 532457108 87 1,470 SH   OTR   1,470 0 0
Linear Technology Corp. Common 535678106 370 7,600 SH   SOLE   7,600 0 0
Lockheed Martin Corp. Common 539830109 1,436 8,799 SH   SOLE   8,149 0 650
Lockheed Martin Corp. Common 539830109 49 300 SH   OTR   150 0 150
Lowes Cos Inc. Common 548661107 495 10,120 SH   SOLE   9,720 0 400
Lowes Cos Inc. Common 548661107 145 2,970 SH   OTR   2,970 0 0
M & T Bank Corporation Common 55261F104 257 2,116 SH   SOLE   2,116 0 0
MDU Res Group Inc Common 552690109 328 9,560 SH   SOLE   9,560 0 0
MDU Res Group Inc Common 552690109 15 427 SH   OTR   427 0 0
Macatawa Bank Corp Common 554225102 66 13,000 SH   SOLE   13,000 0 0
Magna Int'l Inc Cl A Common 559222401 2,392 24,840 SH   SOLE   24,840 0 0
Magna Int'l Inc Cl A Common 559222401 83 865 SH   OTR   865 0 0
Marathon Oil Corp. Common 565849106 1,124 31,650 SH   SOLE   31,650 0 0
Marathon Oil Corp. Common 565849106 85 2,400 SH   OTR   2,400 0 0
Marathon Pete Corp Common 56585A102 659 7,575 SH   SOLE   7,575 0 0
Marathon Pete Corp Common 56585A102 78 900 SH   OTR   900 0 0
McDonalds Corp Common 580135101 4,234 43,188 SH   SOLE   41,988 0 1,200
McDonalds Corp Common 580135101 636 6,483 SH   OTR   6,033 0 450
McKesson Hboc Inc Common 58155Q103 1,732 9,810 SH   SOLE   9,810 0 0
McKesson Hboc Inc Common 58155Q103 50 284 SH   OTR   284 0 0
Merck & Co. Inc. New Common 58933Y105 3,621 63,785 SH   SOLE   62,385 0 1,400
Merck & Co. Inc. New Common 58933Y105 413 7,270 SH   OTR   7,270 0 0
Metlife Inc. Common 59156R108 1,963 37,175 SH   SOLE   37,175 0 0
Metlife Inc. Common 59156R108 77 1,460 SH   OTR   1,460 0 0
Microsoft Corp. Common 594918104 2,465 60,138 SH   SOLE   59,538 0 600
Microsoft Corp. Common 594918104 876 21,375 SH   OTR   17,475 0 3,900
Microchip Tech Common 595017104 3,819 79,955 SH   SOLE   74,055 0 5,900
Microchip Tech Common 595017104 205 4,300 SH   OTR   3,900 0 400
Mohawk Industries Common 608190104 1,312 9,649 SH   SOLE   9,649 0 0
Mondelez Intl Inc Common 609207105 369 10,692 SH   SOLE   10,692 0 0
Monsanto Co Common 61166W101 209 1,840 SH   SOLE   1,840 0 0
Monsanto Co Common 61166W101 46 400 SH   OTR   400 0 0
Mylan Inc Common 628530107 3,161 64,740 SH   SOLE   64,040 0 700
Mylan Inc Common 628530107 43 890 SH   OTR   890 0 0
National Fuel Gas Co. Common 636180101 458 6,540 SH   SOLE   5,940 0 600
National Fuel Gas Co. Common 636180101 74 1,050 SH   OTR   1,050 0 0
National - Oilwell Varco Common 637071101 1,045 13,420 SH   SOLE   13,420 0 0
National - Oilwell Varco Common 637071101 111 1,425 SH   OTR   1,425 0 0
Neogen Corp Common 640491106 833 18,537 SH   SOLE   18,537 0 0
Neogen Corp Common 640491106 180 4,012 SH   OTR   1,012 0 3,000
Nextera Energy Inc Common 65339F101 2,287 23,913 SH   SOLE   22,313 0 1,600
Nextera Energy Inc Common 65339F101 337 3,524 SH   OTR   3,524 0 0
Nike Inc. Cl B Common 654106103 1,332 18,040 SH   SOLE   18,040 0 0
Nike Inc. Cl B Common 654106103 368 4,980 SH   OTR   4,980 0 0
Norfolk Southn Corp Common 655844108 499 5,138 SH   SOLE   5,138 0 0
Norfolk Southn Corp Common 655844108 191 1,969 SH   OTR   1,969 0 0
Novartis ADR Common 66987V109 149 1,750 SH   SOLE   1,750 0 0
Novartis ADR Common 66987V109 213 2,500 SH   OTR   2,500 0 0
Nucor Corp Common 670346105 429 8,490 SH   SOLE   8,490 0 0
Nucor Corp Common 670346105 45 900 SH   OTR   900 0 0
Nustar Energy LP Common 67058H102 378 6,875 SH   SOLE   6,875 0 0
Nuveen Mun Mkt Opp Fd Common 67062W103 139 10,920 SH   OTR   10,920 0 0
Nuveen Quality Pref Common 67071S101 169 21,000 SH   OTR   21,000 0 0
O'Reilly Automotive Inc Common 67103H107 907 6,109 SH   SOLE   6,109 0 0
Oneok Partners LP Common 68268N103 117 2,180 SH   SOLE   2,180 0 0
Oneok Partners LP Common 68268N103 115 2,150 SH   OTR   2,150 0 0
Oneok Inc New Common 682680103 1,049 17,713 SH   SOLE   16,913 0 800
Oneok Inc New Common 682680103 57 968 SH   OTR   968 0 0
Oracle Corp. Common 68389X105 2,785 68,073 SH   SOLE   68,073 0 0
Oracle Corp. Common 68389X105 421 10,285 SH   OTR   9,185 0 1,100
PG & E Corp Common 69331C108 340 7,875 SH   SOLE   7,875 0 0
PG & E Corp Common 69331C108 41 950 SH   OTR   950 0 0
PPG Inds Inc Common 693506107 686 3,545 SH   SOLE   3,295 0 250
PPG Inds Inc Common 693506107 127 655 SH   OTR   655 0 0
PPL Corp Common 69351T106 517 15,599 SH   SOLE   15,599 0 0
PPL Corp Common 69351T106 98 2,950 SH   OTR   850 0 2,100
Packaging Corp Amer Common 695156109 908 12,898 SH   SOLE   12,898 0 0
Packaging Corp Amer Common 695156109 28 400 SH   OTR   400 0 0
Paychex, Inc. Common 704326107 424 9,950 SH   SOLE   9,950 0 0
Paychex, Inc. Common 704326107 15 350 SH   OTR   350 0 0
Pepsico Inc. Common 713448108 2,604 31,189 SH   SOLE   28,414 0 2,775
Pepsico Inc. Common 713448108 710 8,505 SH   OTR   8,505 0 0
Pfizer Inc. Common 717081103 4,712 146,693 SH   SOLE   126,682 0 20,011
Pfizer Inc. Common 717081103 679 21,143 SH   OTR   17,855 0 3,288
Philip Morris Intl Inc. Common 718172109 706 8,618 SH   SOLE   8,618 0 0
Philip Morris Intl Inc. Common 718172109 80 975 SH   OTR   975 0 0
Phillips 66 Common 718546104 2,439 31,649 SH   SOLE   31,305 0 344
Phillips 66 Common 718546104 245 3,185 SH   OTR   3,185 0 0
Pinnacle West Cap Corp. Common 723484101 371 6,784 SH   SOLE   6,234 0 550
Powershares QQQ Trust Common 73935A104 1,443 16,460 SH   SOLE   16,460 0 0
Praxair Inc. Common 74005P104 1,011 7,720 SH   SOLE   7,720 0 0
Praxair Inc. Common 74005P104 452 3,454 SH   OTR   3,454 0 0
T Rowe Price Group Inc Common 74144T108 874 10,613 SH   SOLE   10,613 0 0
T Rowe Price Group Inc Common 74144T108 122 1,485 SH   OTR   1,485 0 0
Procter & Gamble Co. Common 742718109 4,504 55,882 SH   SOLE   52,788 0 3,094
Procter & Gamble Co. Common 742718109 689 8,553 SH   OTR   8,553 0 0
Prudential Financial Common 744320102 2,724 32,185 SH   SOLE   32,185 0 0
Prudential Financial Common 744320102 302 3,570 SH   OTR   3,570 0 0
Public Svc Enterprise Group In Common 744573106 12 315 SH   SOLE   315 0 0
Public Svc Enterprise Group In Common 744573106 559 14,649 SH   OTR   0 0 14,649
Qualcomm Incorporated Common 747525103 4,464 56,610 SH   SOLE   56,610 0 0
Qualcomm Incorporated Common 747525103 336 4,265 SH   OTR   3,665 0 600
Raymond James Finl Inc Common 754730109 1,007 18,005 SH   SOLE   18,005 0 0
Raymond James Finl Inc Common 754730109 23 420 SH   OTR   420 0 0
Raytheon Company Common 755111507 286 2,900 SH   SOLE   2,900 0 0
Regency Energy Partners LP Common 75885Y107 425 15,621 SH   SOLE   15,621 0 0
Regency Energy Partners LP Common 75885Y107 26 965 SH   OTR   965 0 0
Rockwell Automation Inc Common 773903109 377 3,025 SH   SOLE   3,025 0 0
Rockwell Automation Inc Common 773903109 62 500 SH   OTR   0 0 500
Royal Dutch Shell PLC Common 780259206 1,308 17,904 SH   SOLE   16,679 0 1,225
Royal Dutch Shell PLC Common 780259206 414 5,669 SH   OTR   5,469 0 200
Guggenheim S&P 500 Common 78355W106 308 4,214 SH   SOLE   4,214 0 0
SJW Corp Com Common 784305104 222 7,500 SH   OTR   7,500 0 0
SPDR S&P 500 ETF Trust Common 78462F103 898 4,801 SH   SOLE   4,801 0 0
SPDR S&P 500 ETF Trust Common 78462F103 21 110 SH   OTR   110 0 0
SPDR Gold Trust Common 78463V107 271 2,195 SH   SOLE   2,195 0 0
SPDR Gold Trust Common 78463V107 150 1,215 SH   OTR   1,215 0 0
SPDR S&P Divd ETF Common 78464A763 485 6,598 SH   SOLE   6,598 0 0
SPDR S&P Divd ETF Common 78464A763 245 3,332 SH   OTR   3,332 0 0
St. Jude Med Inc. Common 790849103 919 14,050 SH   SOLE   14,050 0 0
Sandisk Corp Common 80004C101 294 3,625 SH   SOLE   3,625 0 0
Schlumberger Ltd. Common 806857108 1,645 16,871 SH   SOLE   16,871 0 0
Schlumberger Ltd. Common 806857108 689 7,065 SH   OTR   7,065 0 0
Select Sector Spdr Cons Discr Etf Common 81369Y407 217 3,358 SH   SOLE   3,358 0 0
Select Sector Spdr Cons Discr Etf Common 81369Y407 46 710 SH   OTR   710 0 0
Select Sector Spdr/Energy Etf Common 81369Y506 288 3,232 SH   SOLE   3,232 0 0
Select Sector Spdr/Energy Etf Common 81369Y506 46 518 SH   OTR   518 0 0
Select Sector SPDR Tr/Fin'l Common 81369Y605 1,322 59,185 SH   SOLE   59,185 0 0
Select Sector SPDR Tr/Fin'l Common 81369Y605 85 3,801 SH   OTR   3,801 0 0
Select Sector SPDR Tech Common 81369Y803 476 13,103 SH   SOLE   13,103 0 0
Select Sector SPDR Tech Common 81369Y803 82 2,261 SH   OTR   2,261 0 0
Sigma Aldrich Corp. Common 826552101 208 2,230 SH   SOLE   2,230 0 0
Sigma Aldrich Corp. Common 826552101 159 1,700 SH   OTR   1,700 0 0
Simon Ppty Group Inc. Common 828806109 4,503 27,456 SH   SOLE   26,749 0 707
Simon Ppty Group Inc. Common 828806109 164 1,001 SH   OTR   1,001 0 0
Smith A O Common 831865209 276 6,000 SH   OTR   6,000 0 0
Smucker J M Co Common 832696405 331 3,405 SH   SOLE   2,905 0 500
Sonoco Prods Co Common 835495102 303 7,375 SH   SOLE   7,375 0 0
Sonoco Prods Co Common 835495102 12 300 SH   OTR   0 0 300
Southern Co. Common 842587107 900 20,480 SH   SOLE   19,680 0 800
Southern Co. Common 842587107 65 1,476 SH   OTR   1,476 0 0
Spectra Energy Corp Common 847560109 726 19,650 SH   SOLE   18,750 0 900
Spectra Energy Corp Common 847560109 209 5,668 SH   OTR   5,668 0 0
Stanley Black and Decker Common 854502101 438 5,387 SH   SOLE   5,387 0 0
State Street Corp Common 857477103 558 8,018 SH   SOLE   8,018 0 0
State Street Corp Common 857477103 49 700 SH   OTR   500 0 200
Stryker Corp. Common 863667101 666 8,178 SH   SOLE   8,178 0 0
Stryker Corp. Common 863667101 3,051 37,445 SH   OTR   35,745 0 1,700
Sturm Ruger & Co Common 864159108 359 6,000 SH   SOLE   6,000 0 0
Sysco Corp. Common 871829107 352 9,732 SH   SOLE   9,732 0 0
Sysco Corp. Common 871829107 14 400 SH   OTR   400 0 0
TJX Cos Inc Common 872540109 221 3,650 SH   SOLE   3,650 0 0
Target Corp. Common 87612E106 1,050 17,356 SH   SOLE   15,906 0 1,450
Target Corp. Common 87612E106 210 3,470 SH   OTR   3,470 0 0
Teva Pharmaceutical Inds Common 881624209 1,147 21,698 SH   SOLE   21,698 0 0
Teva Pharmaceutical Inds Common 881624209 391 7,400 SH   OTR   7,300 0 100
Texas Instruments Common 882508104 409 8,664 SH   SOLE   8,664 0 0
Texas Instruments Common 882508104 24 500 SH   OTR   500 0 0
3M Co. Common 88579Y101 2,815 20,750 SH   SOLE   16,290 0 4,460
3M Co. Common 88579Y101 225 1,655 SH   OTR   955 0 700
Time Warner Cable Inc Common 88732J207 899 6,557 SH   SOLE   6,557 0 0
Time Warner Cable Inc Common 88732J207 233 1,700 SH   OTR   1,700 0 0
Totalfinaelf S A ADR Common 89151E109 387 5,900 SH   SOLE   5,900 0 0
Travelers Companies Inc Common 89417E109 566 6,651 SH   SOLE   6,651 0 0
Travelers Companies Inc Common 89417E109 17 200 SH   OTR   200 0 0
Trinity Industries Inc Common 896522109 1,015 14,085 SH   SOLE   14,085 0 0
Trinity Industries Inc Common 896522109 94 1,300 SH   OTR   1,300 0 0
Tupperware Brands Corp Common 899896104 1,377 16,440 SH   SOLE   16,140 0 300
Tupperware Brands Corp Common 899896104 12 140 SH   OTR   140 0 0
Tyson Foods Inc CL A Common 902494103 408 9,272 SH   SOLE   9,272 0 0
U S Bankcorp Del New Common 902973304 276 6,434 SH   SOLE   6,434 0 0
U S Bankcorp Del New Common 902973304 149 3,475 SH   OTR   3,475 0 0
Union Pac Corp Common 907818108 84 448 SH   SOLE   448 0 0
Union Pac Corp Common 907818108 300 1,600 SH   OTR   1,600 0 0
United Parcel Service Common 911312106 602 6,184 SH   SOLE   6,184 0 0
United Parcel Service Common 911312106 62 635 SH   OTR   635 0 0
United Rentals Inc Common 911363109 1,274 13,419 SH   SOLE   13,419 0 0
United Technologies Corp. Common 913017109 8,978 76,841 SH   SOLE   57,141 0 19,700
United Technologies Corp. Common 913017109 656 5,616 SH   OTR   5,616 0 0
United Health Group Inc Common 91324P102 250 3,055 SH   SOLE   3,055 0 0
United Health Group Inc Common 91324P102 16 190 SH   OTR   190 0 0
V F Corp Common 918204108 1,570 25,372 SH   SOLE   23,772 0 1,600
V F Corp Common 918204108 56 900 SH   OTR   0 0 900
Valero Energy Corp New Common 91913Y100 600 11,297 SH   SOLE   11,297 0 0
Valero Energy Corp New Common 91913Y100 6 110 SH   OTR   110 0 0
Vanguard Long-Term Common 921937793 313 3,613 SH   OTR   3,613 0 0
Vanguard Bd Index Fd Short Term Common 921937827 1,188 14,834 SH   SOLE   14,834 0 0
Vanguard Bd Index Fd Tot Common 921937835 1,180 14,529 SH   SOLE   14,529 0 0
Vanguard Ftse All-World Common 922042775 2,576 51,200 SH   SOLE   51,200 0 0
Vanguard Ftse Emerging Mkts Common 922042858 173 4,260 SH   SOLE   4,260 0 0
Vanguard Ftse Emerging Mkts Common 922042858 212 5,236 SH   OTR   5,136 0 100
Vanguard Consumer Discret Common 92204A108 313 2,955 SH   SOLE   2,955 0 0
Vanguard Consumer Staples Etf Common 92204A207 212 1,913 SH   SOLE   1,913 0 0
Vanguard Financial ETF Common 92204A405 1,587 34,867 SH   SOLE   34,867 0 0
Vanguard Financial ETF Common 92204A405 178 3,899 SH   OTR   3,899 0 0
Vanguard World Fds Health Common 92204A504 385 3,605 SH   SOLE   3,605 0 0
Vectren Corp Common 92240G101 62 1,570 SH   SOLE   1,570 0 0
Vectren Corp Common 92240G101 158 4,000 SH   OTR   4,000 0 0
Vanguard Index Fds Reit Common 922908553 820 11,615 SH   SOLE   11,615 0 0
Vanguard Index Fds Reit Common 922908553 115 1,624 SH   OTR   1,624 0 0
Vanguard Growth ETF Common 922908736 6,333 67,748 SH   SOLE   67,748 0 0
Vanguard Growth ETF Common 922908736 44 475 SH   OTR   475 0 0
Vanguard Value ETF Common 922908744 6,045 77,395 SH   SOLE   77,395 0 0
Vanguard Value ETF Common 922908744 45 575 SH   OTR   575 0 0
Vanguard Small-Cap ETF Common 922908751 86 763 SH   SOLE   763 0 0
Vanguard Small-Cap ETF Common 922908751 390 3,449 SH   OTR   3,449 0 0
Verizon Communications Common 92343V104 4,032 84,764 SH   SOLE   80,620 0 4,144
Verizon Communications Common 92343V104 602 12,646 SH   OTR   12,646 0 0
Visa Inc CL A Common 92826C839 1,326 6,142 SH   SOLE   6,142 0 0
Visa Inc CL A Common 92826C839 94 435 SH   OTR   435 0 0
Vodafone Group PLC Common 92857W209 776 21,070 SH   SOLE   21,070 0 0
Vodafone Group PLC Common 92857W209 14 371 SH   OTR   371 0 0
Vulcan Materials Co Common 929160109 309 4,650 SH   SOLE   4,650 0 0
Vulcan Materials Co Common 929160109 13 200 SH   OTR   200 0 0
Wal Mart Stores Inc. Common 931142103 1,451 18,990 SH   SOLE   18,990 0 0
Wal Mart Stores Inc. Common 931142103 170 2,225 SH   OTR   2,225 0 0
Walgreen Co. Common 931422109 1,216 18,411 SH   SOLE   18,111 0 300
Walgreen Co. Common 931422109 295 4,475 SH   OTR   4,475 0 0
Waste Management Common 94106L109 1,727 41,061 SH   SOLE   38,661 0 2,400
Waste Management Common 94106L109 274 6,510 SH   OTR   6,210 0 300
Westpac Bkg Corp Common 961214301 333 10,375 SH   SOLE   10,375 0 0
Williams Cos Inc Common 969457100 61 1,500 SH   SOLE   1,500 0 0
Williams Cos Inc Common 969457100 142 3,500 SH   OTR   1,500 0 2,000
Xcel Energy Inc Common 98389B100 408 13,445 SH   SOLE   13,445 0 0
Xcel Energy Inc Common 98389B100 3 100 SH   OTR   100 0 0
Xerox Corp Common 984121103 442 39,150 SH   SOLE   39,150 0 0
Zimmer Hldgs Common 98956P102 376 3,979 SH   SOLE   3,672 0 307
Zimmer Hldgs Common 98956P102 24 250 SH   OTR   250 0 0