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 Common G0177J108 2,258 8,307 SH   SOLE   8,307 0 0
Allergan PLC Common G0177J108 38 139 SH   OTR   139 0 0
Aon PLC Common G0408V102 101 1,140 SH   SOLE   1,140 0 0
Aon PLC Common G0408V102 124 1,400 SH   OTR   1,400 0 0
Accenture PLC Ireland CL A Common G1151C101 3,171 32,276 SH   SOLE   32,276 0 0
Accenture PLC Ireland CL A Common G1151C101 717 7,302 SH   OTR   6,702 0 600
Eaton Corp PLC Common G29183103 686 13,363 SH   SOLE   13,363 0 0
Eaton Corp PLC Common G29183103 13 250 SH   OTR   250 0 0
Everest Re Group Limited Common G3223R108 1,247 7,193 SH   SOLE   7,193 0 0
Everest Re Group Limited Common G3223R108 18 104 SH   OTR   104 0 0
Invesco LTD Common G491BT108 1,379 44,169 SH   SOLE   44,169 0 0
Invesco LTD Common G491BT108 77 2,480 SH   OTR   2,480 0 0
Medtronic PLC Common G5960L103 274 4,086 SH   SOLE   4,086 0 0
Noble Corporation Common G65431101 626 57,409 SH   SOLE   57,409 0 0
Noble Corporation Common G65431101 21 1,900 SH   OTR   1,700 0 200
Check Point Software Tech Common M22465104 288 3,625 SH   SOLE   3,625 0 0
Mylan NV Common N59465109 1,023 25,400 SH   SOLE   24,700 0 700
Mylan NV Common N59465109 39 960 SH   OTR   310 0 650
Avago Technologies Ltd Common Y0486S104 1,792 14,337 SH   SOLE   14,337 0 0
Avago Technologies Ltd Common Y0486S104 14 114 SH   OTR   114 0 0
AFLAC Inc. Common 001055102 1,661 28,578 SH   SOLE   28,278 0 300
AFLAC Inc. Common 001055102 291 5,000 SH   OTR   4,500 0 500
AGL Resouces, Inc Common 001204106 264 4,328 SH   SOLE   4,328 0 0
AGL Resouces, Inc Common 001204106 98 1,599 SH   OTR   1,599 0 0
AT&T Inc. Common 00206R102 5,995 184,015 SH   SOLE   178,960 0 5,055
AT&T Inc. Common 00206R102 841 25,809 SH   OTR   25,809 0 0
Abbott Labs Common 002824100 5,266 130,925 SH   SOLE   127,450 0 3,475
Abbott Labs Common 002824100 735 18,285 SH   OTR   17,985 0 300
Abbvie Inc Common 00287Y109 5,817 106,907 SH   SOLE   102,032 0 4,875
Abbvie Inc Common 00287Y109 1,150 21,142 SH   OTR   18,642 0 2,500
Activision Blizzard Inc Common 00507V109 2,851 92,304 SH   SOLE   92,304 0 0
Activision Blizzard Inc Common 00507V109 19 625 SH   OTR   625 0 0
Advanced Auto Parts Inc. Common 00751Y106 2,284 12,050 SH   SOLE   12,050 0 0
Aetna U S Healthcare Inc. Common 00817Y108 3,658 33,438 SH   SOLE   33,438 0 0
Aetna U S Healthcare Inc. Common 00817Y108 155 1,413 SH   OTR   1,413 0 0
Air Products & Chemicals Inc Common 009158106 634 4,969 SH   SOLE   4,769 0 200
Air Products & Chemicals Inc Common 009158106 38 300 SH   OTR   0 0 300
Airgas Inc Common 009363102 375 4,200 SH   SOLE   4,200 0 0
Alcoa Inc Common 013817101 144 14,900 SH   SOLE   14,900 0 0
Alliance Res Partner Lp Common 01877R108 267 11,975 SH   SOLE   11,975 0 0
Alliancebernstein Income Common 01881E101 656 83,427 SH   SOLE   83,427 0 0
Alliancebernstein Holding LP Common 01881G106 354 13,300 SH   SOLE   13,300 0 0
Allstate Corp Common 020002101 2,720 46,709 SH   SOLE   46,709 0 0
Allstate Corp Common 020002101 98 1,685 SH   OTR   1,685 0 0
Altera Corp Common 021441100 2,246 44,858 SH   SOLE   44,858 0 0
Altera Corp Common 021441100 70 1,390 SH   OTR   1,390 0 0
Altria Group Inc Common 02209S103 4,767 87,636 SH   SOLE   87,036 0 600
Altria Group Inc Common 02209S103 339 6,223 SH   OTR   4,023 0 2,200
Amazon.com Inc Common 023135106 200 390 SH   SOLE   390 0 0
Amazon.com Inc Common 023135106 61 120 SH   OTR   120 0 0
American Elec Pwr Inc Common 025537101 1,954 34,363 SH   SOLE   34,063 0 300
American Elec Pwr Inc Common 025537101 269 4,730 SH   OTR   4,730 0 0
American Express Common 025816109 5,622 75,846 SH   SOLE   75,846 0 0
American Express Common 025816109 188 2,540 SH   OTR   2,540 0 0
Amerigas Partners Lp Common 030975106 316 7,600 SH   SOLE   7,600 0 0
Amgen Inc. Common 031162100 574 4,150 SH   SOLE   4,150 0 0
Amgen Inc. Common 031162100 602 4,350 SH   OTR   4,350 0 0
Amphenol Corp New Common 032095101 474 9,300 SH   SOLE   9,300 0 0
Amphenol Corp New Common 032095101 36 700 SH   OTR   700 0 0
Anadarko Petroleum Corp Common 032511107 567 9,384 SH   SOLE   9,384 0 0
Analog Devices Inc. Common 032654105 2,094 37,125 SH   SOLE   37,125 0 0
Analog Devices Inc. Common 032654105 39 700 SH   OTR   700 0 0
Annaly Capital Management Reit Common 035710409 174 17,600 SH   SOLE   17,600 0 0
Apache Corp. Common 037411105 185 4,718 SH   SOLE   4,718 0 0
Apache Corp. Common 037411105 34 865 SH   OTR   865 0 0
Apple Inc. Common 037833100 7,848 71,154 SH   SOLE   70,734 0 420
Apple Inc. Common 037833100 803 7,278 SH   OTR   7,128 0 150
Applied Matls Inc Common 038222105 516 35,117 SH   SOLE   33,017 0 2,100
Automatic Data Processing Inc Common 053015103 8,889 110,617 SH   SOLE   106,567 0 4,050
Automatic Data Processing Common 053015103 411 5,115 SH   OTR   5,015 0 100
Avnet Inc Common 053807103 962 22,545 SH   SOLE   22,545 0 0
BP Plc Spons Adr Common 055622104 239 7,809 SH   SOLE   7,809 0 0
Bank Hawaii Corp Common 062540109 686 10,800 SH   SOLE   10,800 0 0
Bank Hawaii Corp Common 062540109 259 4,075 SH   OTR   3,775 0 300
Bank New York Mellon Corp Common 064058100 439 11,226 SH   SOLE   11,226 0 0
Baxalta Inc Common 07177M103 368 11,686 SH   SOLE   11,686 0 0
Baxalta Inc Common 07177M103 44 1,400 SH   OTR   1,400 0 0
Baxter Intl Inc. Common 071813109 462 14,076 SH   SOLE   13,876 0 200
Baxter Intl Inc. Common 071813109 43 1,300 SH   OTR   1,300 0 0
Becton Dickerson & Co Common 075887109 478 3,600 SH   SOLE   3,450 0 150
Becton Dickerson & Co Common 075887109 63 475 SH   OTR   75 0 400
Berkshire Hathaway Inc- CL A Common 084670108 390 2 SH   SOLE   2 0 0
Berkshire Hathaway Inc- CL B Common 084670702 1,171 8,979 SH   SOLE   8,979 0 0
Berkshire Hathaway Inc- CL B Common 084670702 78 599 SH   OTR   599 0 0
Biogen Idec Inc Common 09062X103 3 10 SH   SOLE   10 0 0
Biogen Idec Inc Common 09062X103 452 1,550 SH   OTR   1,550 0 0
Blackrock Inc Common 09247X101 898 3,018 SH   SOLE   3,018 0 0
Blackrock Inc Common 09247X101 355 1,195 SH   OTR   895 0 300
Blackrock Credit All Inc Common 092508100 170 14,000 SH   OTR   14,000 0 0
Blackstone Group LP Common 09253U108 962 30,385 SH   SOLE   30,385 0 0
Blackstone Group LP Common 09253U108 135 4,268 SH   OTR   1,268 0 3,000
Boeing Co Common 097023105 2,024 15,457 SH   SOLE   15,457 0 0
Boeing Co Common 097023105 280 2,138 SH   OTR   2,138 0 0
Brandywine Rlty Tr Common 105368203 126 10,200 SH   SOLE   10,200 0 0
Bristol-Myers Squibb Co. Common 110122108 2,130 35,987 SH   SOLE   35,487 0 500
Bristol-Myers Squibb Co. Common 110122108 464 7,830 SH   OTR   6,130 0 1,700
Buckeye Partners L P Common 118230101 558 9,413 SH   SOLE   9,413 0 0
Buckeye Partners L P Common 118230101 20 333 SH   OTR   333 0 0
CDK Global Holdings LLC Common 12508E101 683 14,298 SH   SOLE   13,365 0 933
CDK Global Holdings LLC Common 12508E101 56 1,166 SH   OTR   1,166 0 0
Cigna Corp Common 125509109 378 2,800 SH   SOLE   1,500 0 1,300
CMS Energy Corp. Common 125896100 408 11,560 SH   SOLE   11,360 0 200
CSX Corp Common 126408103 770 28,606 SH   SOLE   28,606 0 0
CSX Corp Common 126408103 24 875 SH   OTR   875 0 0
CVS/Caremark Common 126650100 5,174 53,627 SH   SOLE   53,627 0 0
CVS/Caremark Common 126650100 232 2,400 SH   OTR   2,400 0 0
CA Inc Common 12673P105 453 16,605 SH   SOLE   16,605 0 0
CA Inc Common 12673P105 14 500 SH   OTR   500 0 0
California Wtr Svc Group Common 130788102 221 10,000 SH   OTR   10,000 0 0
Canadian Nat'l Ry Co. Common 136375102 291 5,123 SH   SOLE   5,123 0 0
Canadian Nat'l Ry Co. Common 136375102 68 1,200 SH   OTR   1,200 0 0
Cardinal Health Inc Common 14149Y108 1,383 18,002 SH   SOLE   18,002 0 0
Cardinal Health Inc Common 14149Y108 30 390 SH   OTR   390 0 0
Carnival Corp Common 143658300 701 14,100 SH   SOLE   14,100 0 0
Caterpillar Tractor Co. Common 149123101 2,508 38,365 SH   SOLE   36,515 0 1,850
Caterpillar Tractor Co. Common 149123101 168 2,575 SH   OTR   2,575 0 0
Celgene Corp Com Common 151020104 3,686 34,074 SH   SOLE   34,074 0 0
Celgene Corp Com Common 151020104 193 1,784 SH   OTR   1,784 0 0
Centerpoint Energy Inc Common 15189T107 268 14,850 SH   SOLE   14,850 0 0
Centerpoint Energy Inc Common 15189T107 11 600 SH   OTR   600 0 0
Centurylink Inc. Common 156700106 644 25,648 SH   SOLE   25,648 0 0
Centurylink Inc. Common 156700106 546 21,730 SH   OTR   21,430 0 300
Chemical Financial Corp. Common 163731102 45,257 1,398,986 SH   SOLE   1,108,166 0 290,820
Chemical Financial Corp. Common 163731102 5,798 179,226 SH   OTR   83,440 0 95,786
Chevron Corporation Common 166764100 6,791 86,097 SH   SOLE   82,572 0 3,525
Chevron Corporation Common 166764100 636 8,061 SH   OTR   7,111 0 950
Chubb Corp Common 171232101 1,604 13,080 SH   SOLE   13,080 0 0
Chubb Corp Common 171232101 35 285 SH   OTR   285 0 0
Cisco Systems Inc Common 17275R102 4,628 176,298 SH   SOLE   176,298 0 0
Cisco Systems Inc Common 17275R102 397 15,130 SH   OTR   14,780 0 350
Clorox Co Common 189054109 1,232 10,665 SH   SOLE   10,665 0 0
Clorox Co Common 189054109 131 1,130 SH   OTR   1,130 0 0
Coca Cola Co. Common 191216100 5,672 141,383 SH   SOLE   133,883 0 7,500
Coca Cola Co. Common 191216100 356 8,866 SH   OTR   8,866 0 0
Cogizant Tech Solutions Common 192446102 1,748 27,914 SH   SOLE   27,914 0 0
Cogizant Tech Solutions Common 192446102 76 1,215 SH   OTR   1,215 0 0
Cohen & Steers Tot RetRlty Common 19247R103 154 13,000 SH   OTR   13,000 0 0
Colgate Palmolive Co. Common 194162103 1,130 17,804 SH   SOLE   16,604 0 1,200
Colgate Palmolive Co. Common 194162103 58 915 SH   OTR   915 0 0
Comcast Corp New Cl A Common 20030N101 617 10,842 SH   SOLE   10,842 0 0
Comcast Corp New Cl A Common 20030N101 17 300 SH   OTR   300 0 0
Comerica Inc. Common 200340107 622 15,124 SH   SOLE   10,753 0 4,371
Comerica Inc. Common 200340107 33 800 SH   OTR   0 0 800
Conocophillips Common 20825C104 3,505 73,092 SH   SOLE   71,332 0 1,760
Conocophillips Common 20825C104 506 10,555 SH   OTR   9,205 0 1,350
Constellation Brands Inc Common 21036P108 1,822 14,549 SH   SOLE   14,549 0 0
Constellation Brands Inc Common 21036P108 38 300 SH   OTR   300 0 0
Corning Inc. Common 219350105 2,095 122,377 SH   SOLE   122,377 0 0
Corning Inc. Common 219350105 156 9,100 SH   OTR   8,700 0 400
Costco Whsl Corp New Common 22160K105 1,105 7,645 SH   SOLE   7,645 0 0
Costco Whsl Corp New Common 22160K105 100 690 SH   OTR   290 0 400
Cullen Frost Bankers Inc Common 229899109 312 4,900 SH   SOLE   4,900 0 0
Cummins Inc Common 231021106 1,011 9,311 SH   SOLE   9,161 0 150
Cummins Inc Common 231021106 7 65 SH   OTR   65 0 0
DTE Energy Co. Common 233331107 622 7,741 SH   SOLE   6,226 0 1,515
DTE Energy Co. Common 233331107 603 7,500 SH   OTR   7,500 0 0
Danaher Corp. Common 235851102 1,333 15,644 SH   SOLE   15,644 0 0
Danaher Corp. Common 235851102 370 4,340 SH   OTR   4,340 0 0
Darden Restaurants Inc Common 237194105 764 11,150 SH   SOLE   10,750 0 400
Darden Restaurants Inc Common 237194105 51 750 SH   OTR   750 0 0
Deere & Co Common 244199105 829 11,205 SH   SOLE   11,205 0 0
Deere & Co Common 244199105 226 3,050 SH   OTR   3,050 0 0
Diageo Plc Spon Adr New Common 25243Q205 268 2,485 SH   SOLE   2,485 0 0
Diageo Plc Spon Adr New Common 25243Q205 22 200 SH   OTR   200 0 0
Dicks Sporting Good Inc Common 253393102 411 8,275 SH   SOLE   8,275 0 0
Disney Walt Co New Common 254687106 6,543 64,018 SH   SOLE   63,618 0 400
Disney Walt Co New Common 254687106 305 2,985 SH   OTR   2,985 0 0
Discover Finl Svcs Common 254709108 1,258 24,195 SH   SOLE   24,195 0 0
Discover Finl Svcs Common 254709108 23 435 SH   OTR   435 0 0
Dominion Res Inc. VA New Common 25746U109 1,515 21,528 SH   SOLE   21,028 0 500
Dominion Res Inc. VA New Common 25746U109 99 1,400 SH   OTR   400 0 1,000
Dover Corp Common 260003108 218 3,815 SH   SOLE   3,815 0 0
Dover Corp Common 260003108 7 125 SH   OTR   125 0 0
Dow Chemical Co. Common 260543103 61,953 1,461,164 SH   SOLE   699,075 0 762,089
Dow Chemical Co. Common 260543103 16,543 390,156 SH   OTR   146,327 0 243,829
Du Pont Ei De Nemours & Co. Common 263534109 1,638 33,988 SH   SOLE   33,820 0 168
Du Pont Ei De Nemours & Co. Common 263534109 75 1,565 SH   OTR   1,565 0 0
Duke Energy Corp New Common 26441C204 1,098 15,257 SH   SOLE   15,257 0 0
Duke Energy Corp New Common 26441C204 171 2,372 SH   OTR   2,372 0 0
EMC Corp Common 268648102 1,465 60,650 SH   SOLE   60,650 0 0
EMC Corp Common 268648102 91 3,750 SH   OTR   3,750 0 0
Eog Res Inc Common 26875P101 482 6,615 SH   SOLE   6,615 0 0
Eog Res Inc Common 26875P101 44 601 SH   OTR   601 0 0
Earthlink Hldgs Corp Common 27033X101 218 28,000 SH   SOLE   28,000 0 0
Eastman Chemical Co Common 277432100 863 13,330 SH   SOLE   13,330 0 0
Eaton Vance Tax-Adv Dvd Inc Common 27828G107 202 11,000 SH   OTR   11,000 0 0
Ecolab Inc. Common 278865100 258 2,350 SH   SOLE   2,350 0 0
Ecolab Inc. Common 278865100 88 805 SH   OTR   305 0 500
Edison Intl Common 281020107 266 4,225 SH   SOLE   4,225 0 0
Emerson Elec Co. Common 291011104 3,456 78,250 SH   SOLE   75,550 0 2,700
Emerson Elec Co. Common 291011104 364 8,230 SH   OTR   6,430 0 1,800
Energy Transfer Prtnrs L P Common 29273R109 681 16,592 SH   SOLE   16,592 0 0
Entergy Corp Common 29364G103 261 4,008 SH   SOLE   4,008 0 0
Entergy Corp Common 29364G103 33 500 SH   OTR   300 0 200
Enterprise Prods Partners Common 293792107 192 7,709 SH   SOLE   7,709 0 0
Enterprise Prods Partners Common 293792107 926 37,200 SH   OTR   10,000 0 27,200
Equity Residential SBI Common 29476L107 426 5,667 SH   SOLE   5,667 0 0
Equity Residential SBI Common 29476L107 376 5,000 SH   OTR   5,000 0 0
Express Scripts Hldg Co Common 30219G108 1,954 24,135 SH   SOLE   24,135 0 0
Express Scripts Hldg Co Common 30219G108 2,206 27,247 SH   OTR   27,247 0 0
Exxon Mobil Corp. Common 30231G102 14,549 195,683 SH   SOLE   184,955 0 10,728
Exxon Mobil Corp. Common 30231G102 1,580 21,253 SH   OTR   21,253 0 0
Facebook Inc-A Common 30303M102 1,556 17,310 SH   SOLE   17,310 0 0
Facebook Inc-A Common 30303M102 25 274 SH   OTR   274 0 0
Fedex Corp Common 31428X106 1,122 7,791 SH   SOLE   7,791 0 0
Fedex Corp Common 31428X106 457 3,171 SH   OTR   3,171 0 0
Fifth Third Bancorp Common 316773100 1,871 98,923 SH   SOLE   98,923 0 0
Fifth Third Bancorp Common 316773100 17 900 SH   OTR   900 0 0
Fiserv Inc Common 337738108 4,708 54,358 SH   SOLE   53,758 0 600
Fiserv Inc Common 337738108 472 5,444 SH   OTR   5,444 0 0
Firstenergy Corp Common 337932107 322 10,284 SH   SOLE   10,148 0 136
Firstenergy Corp Common 337932107 25 800 SH   OTR   800 0 0
Ford Motor Co Common 345370860 664 48,956 SH   SOLE   48,956 0 0
Ford Motor Co Common 345370860 37 2,750 SH   OTR   2,750 0 0
Fortune Brands Home & Sec In Common 34964C106 356 7,504 SH   SOLE   7,504 0 0
Frontier Communications Corp Common 35906A108 96 20,206 SH   SOLE   20,206 0 0
Frontier Communications Corp Common 35906A108 19 4,000 SH   OTR   4,000 0 0
General Dynamics Co. Common 369550108 1,003 7,270 SH   SOLE   7,020 0 250
General Dynamics Co Common 369550108 235 1,700 SH   OTR   1,500 0 200
General Elec Co. Common 369604103 7,403 293,551 SH   SOLE   287,251 0 6,300
General Elec Co. Common 369604103 180 7,120 SH   OTR   7,120 0 0
General Mls Inc. Common 370334104 3,814 67,943 SH   SOLE   65,043 0 2,900
General Mls Inc. Common 370334104 223 3,965 SH   OTR   3,965 0 0
Gentex Corp Common 371901109 51 3,274 SH   SOLE   3,274 0 0
Gentex Corp Common 371901109 209 13,500 SH   OTR   13,500 0 0
Genuine Parts Co. Common 372460105 4,326 52,192 SH   SOLE   49,342 0 2,850
Genuine Parts Co. Common 372460105 348 4,200 SH   OTR   3,700 0 500
Gilead Sciences Inc Common 375558103 5,740 58,458 SH   SOLE   58,458 0 0
Gilead Sciences Inc Common 375558103 624 6,352 SH   OTR   6,352 0 0
Glaxo Smithkline Common 37733W105 662 17,205 SH   SOLE   17,205 0 0
Glaxo Smithkline Common 37733W105 10 250 SH   OTR   250 0 0
Goodyear Tire & Rubr Co Common 382550101 1,368 46,645 SH   SOLE   46,645 0 0
Goodyear Tire & Rubr Co Common 382550101 31 1,050 SH   OTR   1,050 0 0
Google Inc Cl A Common 38259P508 3,083 4,829 SH   SOLE   4,829 0 0
Google Inc Cl A Common 38259P508 94 148 SH   OTR   118 0 30
Google Inc Class C Common 38259P706 434 714 SH   SOLE   714 0 0
Google Inc Class C Common 38259P706 28 46 SH   OTR   46 0 0
HCA Holdings Inc Common 40412C101 979 12,653 SH   SOLE   12,653 0 0
HCA Holdings Inc Common 40412C101 7 94 SH   OTR   94 0 0
HCP Inc Common 40414L109 2,622 70,395 SH   SOLE   68,795 0 1,600
HCP Inc Common 40414L109 365 9,790 SH   OTR   9,690 0 100
HSBC Holdings PLC Spons Adr Common 404280406 221 5,837 SH   SOLE   5,837 0 0
Halliburton Co Common 406216101 1,463 41,396 SH   SOLE   41,396 0 0
Halliburton Co Common 406216101 179 5,055 SH   OTR   4,355 0 700
Hartford Finl Svcs Common 416515104 1,135 24,793 SH   SOLE   24,793 0 0
Hartford Finl Svcs Common 416515104 50 1,095 SH   OTR   1,095 0 0
Hewlett Packard Co. Common 428236103 393 15,332 SH   SOLE   15,332 0 0
Hewlett Packard Co. Common 428236103 15 600 SH   OTR   600 0 0
Hollyfrontier Corp Common 436106108 462 9,450 SH   SOLE   9,450 0 0
Hollyfrontier Corp Common 436106108 4 75 SH   OTR   75 0 0
Home Depot, Inc. Common 437076102 3,927 34,004 SH   SOLE   33,554 0 450
Home Depot, Inc. Common 437076102 150 1,300 SH   OTR   800 0 500
Honeywell Intl Inc Common 438516106 1,821 19,227 SH   SOLE   18,927 0 300
Honeywell Intl Inc Common 438516106 195 2,055 SH   OTR   2,055 0 0
Hospitality Properties Trust R Common 44106M102 233 9,100 SH   SOLE   9,100 0 0
Humana Inc Common 444859102 1,042 5,822 SH   SOLE   5,572 0 250
Humana Inc Common 444859102 64 355 SH   OTR   355 0 0
Illinois Tool Works Inc Common 452308109 119 1,447 SH   SOLE   1,447 0 0
Illinois Tool Works Inc Common 452308109 186 2,258 SH   OTR   1,658 0 600
Ingredion Inc Common 457187102 210 2,400 SH   SOLE   2,400 0 0
Intel Corp. Common 458140100 8,231 273,078 SH   SOLE   264,378 0 8,700
Intel Corp. Common 458140100 675 22,387 SH   OTR   21,887 0 500
IBM Corp. Common 459200101 4,246 29,289 SH   SOLE   28,889 0 400
IBM Corp. Common 459200101 223 1,540 SH   OTR   1,140 0 400
International Paper Co Common 460146103 657 17,374 SH   SOLE   17,338 0 36
International Paper Co Common 460146103 49 1,305 SH   OTR   1,305 0 0
Ishares Silver Trust Common 46428Q109 234 16,870 SH   SOLE   16,870 0 0
Ishares Gold Trust Common 464285105 172 15,935 SH   SOLE   15,935 0 0
Ishares Gold Trust Common 464285105 9 800 SH   OTR   800 0 0
Ishares DJ Select Divd ETF Common 464287168 536 7,363 SH   SOLE   7,363 0 0
Ishares Barclays Tips Bond Etf Common 464287176 1,054 9,526 SH   SOLE   9,526 0 0
Ishares Barclays Tips Bond Etf Common 464287176 33 300 SH   OTR   300 0 0
Ishares Core S&P 500 ETF Common 464287200 5,775 29,968 SH   SOLE   29,968 0 0
Ishares Core S&P 500 ETF Common 464287200 122 632 SH   OTR   632 0 0
Ishares MSCI Emerging Mkt Etf Common 464287234 318 9,711 SH   SOLE   9,711 0 0
Ishares MSCI Emerging Mkt Etf Common 464287234 21 655 SH   OTR   655 0 0
Ishares Tr Index Iboxx In Gr Common 464287242 511 4,400 SH   SOLE   4,400 0 0
Ishares Tr Index Iboxx In Gr Common 464287242 167 1,439 SH   OTR   1,439 0 0
Ishares Msci Eafe ETF Common 464287465 2,006 34,996 SH   SOLE   34,996 0 0
Ishares Msci Eafe ETF Common 464287465 112 1,948 SH   OTR   1,948 0 0
Ishare Russell Midcap Etf Common 464287499 362 2,325 SH   SOLE   2,325 0 0
Ishare Russell Midcap Etf Common 464287499 47 304 SH   OTR   304 0 0
Ishares Core S&P Mid-Cap Common 464287507 1,805 13,215 SH   SOLE   13,215 0 0
Ishares Core S&P Mid-Cap Common 464287507 32 235 SH   OTR   235 0 0
Ishares S&P Midcap 400/Grwth E Common 464287606 3,129 19,916 SH   SOLE   19,916 0 0
Ishares S&P Midcap 400/Grwth E Common 464287606 157 999 SH   OTR   999 0 0
Ishares Russell 2000 ETF Common 464287655 1,592 14,583 SH   SOLE   14,583 0 0
Ishares Russell 2000 ETF Common 464287655 22 202 SH   OTR   202 0 0
Ishares Russell 3000 ETF Common 464287689 341 2,997 SH   SOLE   2,997 0 0
Ishares S&P Midcap 400/Value E Common 464287705 2,789 24,179 SH   SOLE   24,179 0 0
Ishares S&P Midcap 400/Value E Common 464287705 134 1,159 SH   OTR   1,159 0 0
Ishares Tr ETF Dj Us Industrl Common 464287754 240 2,490 SH   SOLE   2,490 0 0
Ishares Dj US Finl Sect ETF Common 464287788 259 3,075 SH   SOLE   3,075 0 0
Ishares Core S&P Small-Cap ETF Common 464287804 353 3,309 SH   SOLE   3,309 0 0
Ishares Tr S&P Natl Mun Bd Common 464288414 407 3,716 SH   SOLE   3,716 0 0
Ishares Tr Barclays Inter Gv Common 464288612 986 8,875 SH   SOLE   8,875 0 0
Ishares Tr Barclays Inter Credit Bnd Common 464288638 263 2,426 SH   SOLE   2,426 0 0
Ishares Tr Barclays Inter Credit Bnd Common 464288638 78 720 SH   OTR   720 0 0
Ishares Barclays 1-3 yr Common 464288646 598 5,685 SH   SOLE   5,685 0 0
Ishares Barclays 1-3 yr Common 464288646 75 715 SH   OTR   715 0 0
Ishares S&P Pref Stk ETF Common 464288687 321 8,327 SH   SOLE   8,327 0 0
Ishares Msci Eafe Value ETF Common 464288877 267 5,766 SH   SOLE   5,766 0 0
Ishares Tr Msci Eafe Growth ETF Common 464288885 278 4,360 SH   SOLE   4,360 0 0
Itc Hldgs Corp Common 465685105 331 9,938 SH   SOLE   9,938 0 0
Itc Hldgs Corp Common 465685105 267 8,000 SH   OTR   8,000 0 0
J.P. Morgan Chase & Co. Common 46625H100 7,455 122,276 SH   SOLE   120,184 0 2,092
J.P. Morgan Chase & Co. Common 46625H100 620 10,175 SH   OTR   7,775 0 2,400
Jacobs Engr Group Inc. Common 469814107 222 5,925 SH   SOLE   5,925 0 0
Jacobs Engr Group Inc. Common 469814107 243 6,500 SH   OTR   6,500 0 0
Johnson & Johnson Common 478160104 11,680 125,119 SH   SOLE   122,344 0 2,775
Johnson & Johnson Common 478160104 830 8,891 SH   OTR   7,991 0 900
Johnson Ctls Inc. Common 478366107 2,996 72,428 SH   SOLE   72,428 0 0
Johnson Ctls Inc. Common 478366107 155 3,740 SH   OTR   3,740 0 0
KKR & Co LP Common 48248M102 254 15,125 SH   SOLE   15,125 0 0
KKR & Co LP Common 48248M102 84 5,000 SH   OTR   0 0 5,000
Kellogg Co. Common 487836108 1,228 18,453 SH   SOLE   17,053 0 1,400
Kellogg Co. Common 487836108 136 2,050 SH   OTR   2,050 0 0
Keycorp Common 493267108 471 36,232 SH   SOLE   36,232 0 0
Kimberly Clark Corp. Common 494368103 2,319 21,268 SH   SOLE   20,568 0 700
Kimberly Clark Corp. Common 494368103 202 1,850 SH   OTR   1,750 0 100
Kinder Morgan Inc Common 49456B101 1,016 36,695 SH   SOLE   36,695 0 0
Kinder Morgan Inc Common 49456B101 2,295 82,925 SH   OTR   3,113 0 79,812
Kohl's Corp Common 500255104 313 6,750 SH   SOLE   6,350 0 400
Kraft Heinz Co Common 500754106 353 5,002 SH   SOLE   5,002 0 0
Kroger Co Common 501044101 1,767 48,985 SH   SOLE   48,985 0 0
Kroger Co Common 501044101 52 1,430 SH   OTR   1,430 0 0
Lilly Eli & Co. Common 532457108 1,149 13,727 SH   SOLE   13,577 0 150
Lilly Eli & Co. Common 532457108 90 1,070 SH   OTR   1,070 0 0
Linear Technology Corp. Common 535678106 291 7,200 SH   SOLE   7,200 0 0
Lockheed Martin Corp. Common 539830109 1,699 8,197 SH   SOLE   7,547 0 650
Lockheed Martin Corp. Common 539830109 41 200 SH   OTR   150 0 50
Lowes Cos Inc. Common 548661107 3,579 51,923 SH   SOLE   51,623 0 300
Lowes Cos Inc. Common 548661107 286 4,154 SH   OTR   4,154 0 0
Macquarie Infrastructure Co LL Common 55608B105 224 3,000 SH   SOLE   3,000 0 0
Magna Int'l Inc Cl A Common 559222401 2,674 55,691 SH   SOLE   55,691 0 0
Magna Int'l Inc Cl A Common 559222401 65 1,350 SH   OTR   1,350 0 0
Marathon Oil Corp. Common 565849106 422 27,413 SH   SOLE   27,413 0 0
Marathon Oil Corp. Common 565849106 37 2,400 SH   OTR   2,400 0 0
Marathon Pete Corp Common 56585A102 859 18,539 SH   SOLE   18,539 0 0
Marathon Pete Corp Common 56585A102 49 1,054 SH   OTR   1,054 0 0
Marriott International Inc Common 571903202 712 10,445 SH   SOLE   10,445 0 0
McDonalds Corp Common 580135101 5,725 58,106 SH   SOLE   56,906 0 1,200
McDonalds Corp Common 580135101 496 5,038 SH   OTR   4,638 0 400
McKesson Hboc Inc Common 58155Q103 1,159 6,263 SH   SOLE   6,263 0 0
McKesson Hboc Inc Common 58155Q103 28 150 SH   OTR   150 0 0
Merck & Co. Inc. New Common 58933Y105 6,000 121,481 SH   SOLE   120,081 0 1,400
Merck & Co. Inc. New Common 58933Y105 384 7,780 SH   OTR   7,780 0 0
Metlife Inc. Common 59156R108 2,112 44,783 SH   SOLE   44,083 0 700
Metlife Inc. Common 59156R108 39 835 SH   OTR   835 0 0
Microsoft Corp. Common 594918104 2,893 65,371 SH   SOLE   63,871 0 1,500
Microsoft Corp. Common 594918104 924 20,875 SH   OTR   17,175 0 3,700
Microchip Tech Common 595017104 3,400 78,894 SH   SOLE   72,594 0 6,300
Microchip Tech Common 595017104 172 4,000 SH   OTR   3,700 0 300
Mohawk Industries Common 608190104 543 2,985 SH   SOLE   2,985 0 0
Mohawk Industries Common 608190104 14 75 SH   OTR   75 0 0
Mondelez Intl Inc Common 609207105 750 17,916 SH   SOLE   17,916 0 0
National Fuel Gas Co. Common 636180101 265 5,300 SH   SOLE   5,300 0 0
National Fuel Gas Co. Common 636180101 27 550 SH   OTR   550 0 0
National - Oilwell Varco Common 637071101 351 9,335 SH   SOLE   9,335 0 0
National - Oilwell Varco Common 637071101 15 390 SH   OTR   390 0 0
Neogen Corp Common 640491106 775 17,227 SH   SOLE   17,227 0 0
Neogen Corp Common 640491106 181 4,012 SH   OTR   1,012 0 3,000
Nextera Energy Inc Common 65339F101 2,556 26,202 SH   SOLE   24,152 0 2,050
Nextera Energy Inc Common 65339F101 320 3,284 SH   OTR   3,284 0 0
Nike Inc. Cl B Common 654106103 2,288 18,605 SH   SOLE   18,605 0 0
Nike Inc. Cl B Common 654106103 601 4,885 SH   OTR   4,885 0 0
Norfolk Southn Corp Common 655844108 370 4,845 SH   SOLE   4,645 0 200
Norfolk Southn Corp Common 655844108 142 1,854 SH   OTR   1,854 0 0
Northrop Grumman Corp Common 666807102 274 1,650 SH   SOLE   1,650 0 0
Novartis ADR Common 66987V109 1,024 11,135 SH   SOLE   11,135 0 0
Novartis ADR Common 66987V109 230 2,500 SH   OTR   2,500 0 0
Nucor Corp Common 670346105 308 8,212 SH   SOLE   8,212 0 0
Nucor Corp Common 670346105 34 900 SH   OTR   900 0 0
Nustar Energy LP Common 67058H102 366 8,175 SH   SOLE   8,175 0 0
Nuveen Quality Pref Common 67071S101 166 21,000 SH   OTR   21,000 0 0
Occidental Pete Corp Common 674599105 302 4,572 SH   SOLE   4,572 0 0
Occidental Pete Corp Common 674599105 15 220 SH   OTR   220 0 0
Oracle Corp. Common 68389X105 3,204 88,692 SH   SOLE   88,692 0 0
Oracle Corp. Common 68389X105 352 9,751 SH   OTR   8,751 0 1,000
PG & E Corp Common 69331C108 174 3,300 SH   SOLE   3,300 0 0
PG & E Corp Common 69331C108 34 650 SH   OTR   650 0 0
PPG Inds Inc Common 693506107 420 4,790 SH   SOLE   4,790 0 0
PPG Inds Inc Common 693506107 55 630 SH   OTR   630 0 0
PPL Corp Common 69351T106 907 27,590 SH   SOLE   27,590 0 0
PPL Corp Common 69351T106 41 1,250 SH   OTR   950 0 300
Packaging Corp Amer Common 695156109 865 14,373 SH   SOLE   14,373 0 0
Packaging Corp Amer Common 695156109 33 550 SH   OTR   550 0 0
Paychex, Inc. Common 704326107 362 7,600 SH   SOLE   7,600 0 0
Paychex, Inc. Common 704326107 17 350 SH   OTR   350 0 0
Paypal Holdings Inc Common 70450Y103 223 7,188 SH   SOLE   7,188 0 0
Pepsico Inc. Common 713448108 6,526 69,209 SH   SOLE   67,434 0 1,775
Pepsico Inc. Common 713448108 844 8,950 SH   OTR   8,950 0 0
Pfizer Inc. Common 717081103 9,460 301,192 SH   SOLE   296,904 0 4,288
Pfizer Inc. Common 717081103 734 23,366 SH   OTR   19,578 0 3,788
Philip Morris Intl Inc. Common 718172109 1,560 19,669 SH   SOLE   19,669 0 0
Philip Morris Intl Inc. Common 718172109 56 710 SH   OTR   710 0 0
Phillips 66 Common 718546104 3,117 40,570 SH   SOLE   40,570 0 0
Phillips 66 Common 718546104 265 3,446 SH   OTR   3,446 0 0
Pinnacle West Cap Corp. Common 723484101 464 7,234 SH   SOLE   6,684 0 550
Powershares QQQ Trust Common 73935A104 2,060 20,240 SH   SOLE   20,240 0 0
Powershares QQQ Trust Common 73935A104 61 600 SH   OTR   600 0 0
Praxair Inc. Common 74005P104 809 7,940 SH   SOLE   7,940 0 0
Praxair Inc. Common 74005P104 311 3,049 SH   OTR   3,049 0 0
T Rowe Price Group Inc Common 74144T108 2,760 39,709 SH   SOLE   39,509 0 200
T Rowe Price Group Inc Common 74144T108 115 1,655 SH   OTR   1,655 0 0
Procter & Gamble Co. Common 742718109 7,967 110,749 SH   SOLE   110,099 0 650
Procter & Gamble Co. Common 742718109 583 8,110 SH   OTR   8,110 0 0
Prudential Financial Common 744320102 2,729 35,805 SH   SOLE   35,805 0 0
Prudential Financial Common 744320102 312 4,095 SH   OTR   4,095 0 0
Public Svc Enterprise Group In Common 744573106 169 4,006 SH   SOLE   4,006 0 0
Public Svc Enterprise Group In Common 744573106 316 7,500 SH   OTR   7,500 0 0
Qlogic Corp Common 747277101 136 13,300 SH   SOLE   13,300 0 0
Qualcomm Incorporated Common 747525103 4,232 78,755 SH   SOLE   78,655 0 100
Qualcomm Incorporated Common 747525103 284 5,285 SH   OTR   4,685 0 600
Raytheon Company Common 755111507 504 4,614 SH   SOLE   4,539 0 75
Rockwell Automation Inc Common 773903109 345 3,400 SH   SOLE   3,400 0 0
Rockwell Automation Inc Common 773903109 41 400 SH   OTR   0 0 400
Royal Dutch Shell PLC Common 780259206 1,314 27,724 SH   SOLE   26,149 0 1,575
Royal Dutch Shell PLC Common 780259206 305 6,433 SH   OTR   6,233 0 200
Guggenheim S&P 500 Common 78355W106 250 3,400 SH   SOLE   3,400 0 0
SBA Communications Corp Common 78388J106 647 6,177 SH   SOLE   6,177 0 0
SBA Communications Corp Common 78388J106 6 60 SH   OTR   60 0 0
SJW Corp Com Common 784305104 231 7,500 SH   OTR   7,500 0 0
SPDR S&P 500 ETF Trust Common 78462F103 1,749 9,128 SH   SOLE   9,128 0 0
SPDR S&P 500 ETF Trust Common 78462F103 60 315 SH   OTR   315 0 0
SPDR Gold Trust Common 78463V107 912 8,535 SH   SOLE   8,535 0 0
SPDR Gold Trust Common 78463V107 27 255 SH   OTR   255 0 0
SPDR S&P Divd ETF Common 78464A763 1,530 21,207 SH   SOLE   21,207 0 0
SPDR S&P Divd ETF Common 78464A763 423 5,860 SH   OTR   5,860 0 0
St. Jude Med Inc. Common 790849103 886 14,050 SH   SOLE   14,050 0 0
Schlumberger Ltd. Common 806857108 3,991 57,871 SH   SOLE   57,871 0 0
Schlumberger Ltd. Common 806857108 555 8,040 SH   OTR   8,040 0 0
Select Sector Spdr Cons Discr Etf Common 81369Y407 200 2,688 SH   SOLE   2,688 0 0
Select Sector Spdr Cons Discr Etf Common 81369Y407 63 850 SH   OTR   850 0 0
Select Sector Spdr/Energy Etf Common 81369Y506 501 8,183 SH   SOLE   8,183 0 0
Select Sector Spdr/Energy Etf Common 81369Y506 35 568 SH   OTR   568 0 0
Select Sector SPDR Tr/Fin'l Common 81369Y605 4,030 177,863 SH   SOLE   177,863 0 0
Select Sector SPDR Tr/Fin'l Common 81369Y605 70 3,101 SH   OTR   3,101 0 0
Select Sector SPDR/Industrial Common 81369Y704 270 5,415 SH   SOLE   5,415 0 0
Select Sector SPDR/Industrial Common 81369Y704 66 1,325 SH   OTR   1,325 0 0
Select Sector SPDR Tech Common 81369Y803 1,529 38,699 SH   SOLE   38,699 0 0
Select Sector SPDR Tech Common 81369Y803 94 2,391 SH   OTR   2,391 0 0
Select Sector SPDR/Utilities Common 81369Y886 2,721 62,854 SH   SOLE   62,854 0 0
Select Sector SPDR/Utilities Common 81369Y886 45 1,045 SH   OTR   1,045 0 0
Sigma Aldrich Corp. Common 826552101 254 1,825 SH   SOLE   1,825 0 0
Sigma Aldrich Corp. Common 826552101 125 900 SH   OTR   900 0 0
Simon Ppty Group Inc. Common 828806109 4,530 24,656 SH   SOLE   24,356 0 300
Simon Ppty Group Inc. Common 828806109 184 1,001 SH   OTR   1,001 0 0
Smith A O Common 831865209 16 250 SH   SOLE   250 0 0
Smith A O Common 831865209 391 6,000 SH   OTR   6,000 0 0
Smucker J M Co Common 832696405 423 3,705 SH   SOLE   3,205 0 500
Sonoco Prods Co Common 835495102 730 19,340 SH   SOLE   19,340 0 0
Sonoco Prods Co Common 835495102 6 150 SH   OTR   0 0 150
Southern Co. Common 842587107 993 22,211 SH   SOLE   21,675 0 536
Southern Co. Common 842587107 66 1,476 SH   OTR   1,476 0 0
Southwest Airlines Co Common 844741108 2,248 59,086 SH   SOLE   59,086 0 0
Southwest Airlines Co Common 844741108 48 1,259 SH   OTR   1,259 0 0
Spectra Energy Corp Common 847560109 672 25,598 SH   SOLE   24,998 0 600
Spectra Energy Corp Common 847560109 109 4,135 SH   OTR   4,135 0 0
Sprott Physical Gold Trust Common 85207H104 66 7,188 SH   SOLE   7,188 0 0
Sprott Physical Gold Trust Common 85207H104 35 3,818 SH   OTR   3,818 0 0
Sprott Physical Silver Trust Common 85207K107 76 13,466 SH   SOLE   13,466 0 0
Stanley Black and Decker Common 854502101 484 4,987 SH   SOLE   4,587 0 400
Starbucks Corp Common 855244109 536 9,430 SH   SOLE   9,430 0 0
Starbucks Corp Common 855244109 102 1,800 SH   OTR   600 0 1,200
State Street Corp Common 857477103 928 13,813 SH   SOLE   13,813 0 0
State Street Corp Common 857477103 40 600 SH   OTR   600 0 0
Stryker Corp. Common 863667101 777 8,255 SH   SOLE   8,255 0 0
Stryker Corp. Common 863667101 3,131 33,270 SH   OTR   32,770 0 500
Sturm Ruger & Co Common 864159108 352 6,000 SH   SOLE   6,000 0 0
Sysco Corp. Common 871829107 442 11,332 SH   SOLE   11,332 0 0
Sysco Corp. Common 871829107 16 400 SH   OTR   400 0 0
TJX Cos Inc Common 872540109 1,093 15,305 SH   SOLE   15,305 0 0
TJX Cos Inc Common 872540109 26 370 SH   OTR   370 0 0
Target Corp. Common 87612E106 1,864 23,694 SH   SOLE   22,144 0 1,550
Target Corp. Common 87612E106 286 3,635 SH   OTR   3,635 0 0
Teva Pharmaceutical Inds Common 881624209 1,687 29,872 SH   SOLE   29,872 0 0
Teva Pharmaceutical Inds Common 881624209 418 7,400 SH   OTR   7,400 0 0
Texas Instruments Common 882508104 530 10,706 SH   SOLE   10,706 0 0
Texas Instruments Common 882508104 54 1,100 SH   OTR   500 0 600
3M Co. Common 88579Y101 3,715 26,202 SH   SOLE   25,502 0 700
3M Co. Common 88579Y101 177 1,245 SH   OTR   645 0 600
Time Warner Inc Common 887317303 573 8,334 SH   SOLE   8,334 0 0
Time Warner Inc Common 887317303 4 65 SH   OTR   65 0 0
Time Warner Cable Inc Common 88732J207 751 4,185 SH   SOLE   4,185 0 0
Time Warner Cable Inc Common 88732J207 305 1,700 SH   OTR   1,700 0 0
Travelers Companies Inc Common 89417E109 1,017 10,221 SH   SOLE   10,221 0 0
Travelers Companies Inc Common 89417E109 10 100 SH   OTR   100 0 0
Tyson Foods Inc CL A Common 902494103 2,256 52,344 SH   SOLE   52,344 0 0
Tyson Foods Inc CL A Common 902494103 7 173 SH   OTR   173 0 0
U S Bankcorp Del New Common 902973304 2,515 61,333 SH   SOLE   61,333 0 0
U S Bankcorp Del New Common 902973304 156 3,795 SH   OTR   3,795 0 0
Union Pac Corp Common 907818108 2,843 32,158 SH   SOLE   32,158 0 0
Union Pac Corp Common 907818108 340 3,850 SH   OTR   3,850 0 0
United Parcel Service Common 911312106 693 7,024 SH   SOLE   7,024 0 0
United Parcel Service Common 911312106 112 1,135 SH   OTR   635 0 500
United Rentals Inc Common 911363109 882 14,682 SH   SOLE   14,682 0 0
United Rentals Inc Common 911363109 16 265 SH   OTR   265 0 0
United Technologies Corp. Common 913017109 8,810 99,003 SH   SOLE   79,303 0 19,700
United Technologies Corp. Common 913017109 549 6,167 SH   OTR   6,167 0 0
United Health Group Inc Common 91324P102 297 2,561 SH   SOLE   2,561 0 0
United Health Group Inc Common 91324P102 22 190 SH   OTR   190 0 0
V F Corp Common 918204108 2,086 30,578 SH   SOLE   29,378 0 1,200
V F Corp Common 918204108 61 900 SH   OTR   0 0 900
Valero Energy Corp New Common 91913Y100 946 15,746 SH   SOLE   15,746 0 0
Valero Energy Corp New Common 91913Y100 14 229 SH   OTR   229 0 0
Vanguard Dividend Apprec ETF Common 921908844 272 3,694 SH   SOLE   3,694 0 0
Vanguard Dividend Apprec ETF Common 921908844 7 100 SH   OTR   100 0 0
Vanguard Long-Term Common 921937793 323 3,613 SH   OTR   3,613 0 0
Vanguard Bd Index Fd Short Term Common 921937827 919 11,435 SH   SOLE   11,435 0 0
Vanguard Bd Index Fd Tot Common 921937835 886 10,811 SH   SOLE   10,811 0 0
Vanguard Ftse All-World Common 922042775 259 6,080 SH   SOLE   6,080 0 0
Vanguard Ftse Emerging Mkts Common 922042858 4,294 129,767 SH   SOLE   129,767 0 0
Vanguard Ftse Emerging Mkts Common 922042858 223 6,754 SH   OTR   6,754 0 0
Vanguard Consumer Discret Common 92204A108 881 7,480 SH   SOLE   7,480 0 0
Vanguard Consumer Staples Etf Common 92204A207 443 3,653 SH   SOLE   3,653 0 0
Vanguard Financial ETF Common 92204A405 1,307 28,242 SH   SOLE   28,242 0 0
Vanguard Financial ETF Common 92204A405 131 2,824 SH   OTR   2,824 0 0
Vanguard World Fds Health Common 92204A504 379 3,091 SH   SOLE   3,091 0 0
Vanguard Telecommunications Ser Common 92204A884 202 2,567 SH   SOLE   2,567 0 0
Vectren Corp Common 92240G101 66 1,570 SH   SOLE   1,570 0 0
Vectren Corp Common 92240G101 168 4,000 SH   OTR   4,000 0 0
Vanguard Index Fds Reit Common 922908553 1,025 13,564 SH   SOLE   13,564 0 0
Vanguard Index Fds Reit Common 922908553 143 1,899 SH   OTR   1,899 0 0
Vanguard Large-Cap ETF Common 922908637 330 3,752 SH   SOLE   3,752 0 0
Vanguard Growth ETF Common 922908736 8,026 80,032 SH   SOLE   80,032 0 0
Vanguard Growth ETF Common 922908736 33 325 SH   OTR   325 0 0
Vanguard Value ETF Common 922908744 5,932 77,290 SH   SOLE   77,290 0 0
Vanguard Value ETF Common 922908744 31 405 SH   OTR   405 0 0
Vanguard Small-Cap ETF Common 922908751 243 2,250 SH   SOLE   2,250 0 0
Vanguard Small-Cap ETF Common 922908751 372 3,449 SH   OTR   3,449 0 0
Verizon Communications Common 92343V104 6,822 156,799 SH   SOLE   152,999 0 3,800
Verizon Communications Common 92343V104 593 13,618 SH   OTR   13,618 0 0
Visa Inc CL A Common 92826C839 1,006 14,447 SH   SOLE   14,447 0 0
Visa Inc CL A Common 92826C839 158 2,266 SH   OTR   2,266 0 0
Vishay Intertechnology Inc Common 928298108 109 11,200 SH   SOLE   11,200 0 0
Vodafone Group Spons ADR Common 92857W308 509 16,049 SH   SOLE   16,049 0 0
Vodafone Group Spons ADR Common 92857W308 3 99 SH   OTR   99 0 0
Vulcan Materials Co Common 929160109 397 4,450 SH   SOLE   4,450 0 0
Vulcan Materials Co Common 929160109 18 200 SH   OTR   200 0 0
Wec Energy Group Inc Common 92939U106 525 10,046 SH   SOLE   10,046 0 0
Wal Mart Stores Inc. Common 931142103 2,638 40,683 SH   SOLE   40,583 0 100
Wal Mart Stores Inc. Common 931142103 149 2,300 SH   OTR   2,300 0 0
Walgreens Boots Alliance Inc Common 931427108 1,569 18,880 SH   SOLE   18,580 0 300
Walgreens Boots Alliance Inc Common 931427108 327 3,939 SH   OTR   3,939 0 0
Waste Management Common 94106L109 1,577 31,666 SH   SOLE   29,266 0 2,400
Waste Management Common 94106L109 268 5,385 SH   OTR   5,185 0 200
Welltower Inc Reit Common 95040Q104 509 7,510 SH   SOLE   7,510 0 0
Westar Energey Inc Common 95709T100 451 11,720 SH   SOLE   11,720 0 0
Westpac Bkg Corp Common 961214301 250 11,875 SH   SOLE   11,875 0 0
Whirlpool Corp Common 963320106 1,311 8,905 SH   SOLE   8,905 0 0
Whirlpool Corp Common 963320106 34 234 SH   OTR   234 0 0
Xcel Energy Inc Common 98389B100 568 16,040 SH   SOLE   16,040 0 0
Xcel Energy Inc Common 98389B100 91 2,575 SH   OTR   2,575 0 0
Xerox Corp Common 984121103 162 16,625 SH   SOLE   16,625 0 0
Yum! Brands Inc Common 988498101 98 1,230 SH   SOLE   1,230 0 0
Yum! Brands Inc Common 988498101 160 2,000 SH   OTR   2,000 0 0
Zimmer Hldgs Common 98956P102 468 4,979 SH   SOLE   4,979 0 0
Zimmer Hldgs Common 98956P102 23 250 SH   OTR   250 0 0