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
AT&T INC. Common Stock 00206R102 205 5,841 SH   OTR   5,841 0 0
AT&T INC. Common Stock 00206R102 1,180 33,640 SH   SOLE   33,440 0 200
ABBOTT LABS Common Stock 002824100 96 2,498 SH   OTR   2,498 0 0
ABBOTT LABS Common Stock 002824100 711 18,475 SH   SOLE   18,375 100 0
ABBVIE INC. Common Stock 00287Y109 39 760 SH   OTR   760 0 0
ABBVIE INC. Common Stock 00287Y109 315 6,135 SH   SOLE   6,135 0 0
AIR PRODS & CHEMS INC Common Stock 009158106 280 2,350 SH   SOLE   2,350 0 0
AMERICAN EXPRESS CO Common Stock 025816109 217 2,405 SH   SOLE   2,295 0 110
APPLE COMPUTER INC Common Stock 037833100 156 290 SH   OTR   290 0 0
APPLE COMPUTER INC Common Stock 037833100 1,201 2,237 SH   SOLE   2,217 20 0
APPLIED MATLS INC Common Stock 038222105 249 12,200 SH   SOLE   12,200 0 0
ARCH COAL Common Stock 039380100 121 25,000 SH   SOLE   25,000 0 0
AUTOMATIC DATA PROCESSING INC Common Stock 053015103 347 4,490 SH   OTR   4,490 0 0
AUTOMATIC DATA PROCESSING INC Common Stock 053015103 1,986 25,710 SH   SOLE   25,375 35 300
AUTOZONE, INC. Common Stock 053332102 121 225 SH   OTR   225 0 0
AUTOZONE, INC. Common Stock 053332102 409 761 SH   SOLE   696 0 65
BERKSHIRE HATHAWAY INC DEL B NEW Common Stock 084670702 209 1,675 SH   OTR   1,675 0 0
BERKSHIRE HATHAWAY INC DEL B NEW Common Stock 084670702 1,075 8,600 SH   SOLE   8,025 150 425
BIOGEN IDEC INC Common Stock 09062X103 214 700 SH   SOLE   700 0 0
CHEVRON CORPORATION Common Stock 166764100 186 1,567 SH   OTR   1,567 0 0
CHEVRON CORPORATION Common Stock 166764100 1,381 11,613 SH   SOLE   11,303 60 250
CHUBB CORP Common Stock 171232101 59 660 SH   OTR   660 0 0
CHUBB CORP Common Stock 171232101 1,187 13,295 SH   SOLE   12,880 0 415
COMPASS MINERALS INTERNATIONAL INC Common Stock 20451N101 87 1,057 SH   OTR   1,057 0 0
COMPASS MINERALS INTERNATIONAL INC Common Stock 20451N101 321 3,893 SH   SOLE   3,733 0 160
DNP SELECT INCOME FUND Common Stock 23325P104 147 15,000 SH   SOLE   15,000 0 0
EMERSON ELEC CO Common Stock 291011104 121 1,806 SH   OTR   1,806 0 0
EMERSON ELEC CO Common Stock 291011104 409 6,123 SH   SOLE   6,123 0 0
EXPEDITORS INTL WASH INC Common Stock 302130109 24 615 SH   OTR   615 0 0
EXPEDITORS INTL WASH INC Common Stock 302130109 501 12,635 SH   SOLE   11,970 175 490
EXXON MOBIL CORP Common Stock 30231G102 691 7,076 SH   OTR   7,076 0 0
EXXON MOBIL CORP Common Stock 30231G102 2,263 23,165 SH   SOLE   22,319 0 846
GENERAL DYNAMICS CORP Common Stock 369550108 143 1,310 SH   OTR   1,310 0 0
GENERAL DYNAMICS CORP Common Stock 369550108 736 6,755 SH   SOLE   6,560 0 195
GENERAL ELEC CO Common Stock 369604103 171 6,589 SH   OTR   6,389 200 0
GENERAL ELEC CO Common Stock 369604103 571 22,070 SH   SOLE   21,450 220 400
GENERAL MILLS INC Common Stock 370334104 47 910 SH   OTR   910 0 0
GENERAL MILLS INC Common Stock 370334104 950 18,332 SH   SOLE   18,082 0 250
GOOGLE INC CL A Common Stock 38259P508 163 146 SH   OTR   146 0 0
GOOGLE INC CL A Common Stock 38259P508 662 594 SH   SOLE   546 0 48
INTEL CORP Common Stock 458140100 111 4,300 SH   OTR   4,300 0 0
INTEL CORP Common Stock 458140100 274 10,630 SH   SOLE   9,480 400 750
ISHARE S & P 500 INDX ETF-DOMESTIC LA 464287200 234 1,246 SH   SOLE   1,215 0 31
ISHARES LEHMAN U.S. AGGREGATE BOND ETF-FIXED INCOM 464287226 332 3,080 SH   SOLE   3,080 0 0
ISHARES MSCI EMERGING MKTS INDEX FD ETF-INTERNATION 464287234 74 1,800 SH   OTR   1,800 0 0
ISHARES MSCI EMERGING MKTS INDEX FD ETF-INTERNATION 464287234 405 9,883 SH   SOLE   9,883 0 0
I SHARES M S C I E A F E INDEX FUN ETF-INTERNATION 464287465 53 785 SH   OTR   785 0 0
I SHARES M S C I E A F E INDEX FUN ETF-INTERNATION 464287465 1,666 24,785 SH   SOLE   24,785 0 0
iSHARES S&P MID CAP 400 INDEX ETF-DOMESTIC MI 464287507 578 4,205 SH   OTR   4,205 0 0
iSHARES S&P MID CAP 400 INDEX ETF-DOMESTIC MI 464287507 1,716 12,480 SH   SOLE   12,480 0 0
iSHARES RUSSELL 2000 INDEX ETF-DOMESTIC SM 464287655 159 1,370 SH   OTR   1,370 0 0
iSHARES RUSSELL 2000 INDEX ETF-DOMESTIC SM 464287655 1,337 11,492 SH   SOLE   11,312 0 180
ISHARES S&P SH TR NATL AMT FREE MUN ETF-FIXED INCOM 464288158 456 4,294 SH   SOLE   4,294 0 0
ISHARES IBOXX HY BD ETF-FIXED INCOM 464288513 28 300 SH   OTR   300 0 0
ISHARES IBOXX HY BD ETF-FIXED INCOM 464288513 556 5,886 SH   SOLE   5,886 0 0
J P MORGAN CHASE & CO Common Stock 46625H100 101 1,670 SH   OTR   1,670 0 0
J P MORGAN CHASE & CO Common Stock 46625H100 792 13,039 SH   SOLE   12,699 90 250
JOHNSON & JOHNSON Common Stock 478160104 206 2,100 SH   OTR   2,100 0 0
JOHNSON & JOHNSON Common Stock 478160104 1,435 14,611 SH   SOLE   14,351 100 160
KINDER MORGAN MANAGEMENT, LLC Common Stock 49455U100 27 370 SH   OTR   370 0 0
KINDER MORGAN MANAGEMENT, LLC Common Stock 49455U100 188 2,626 SH   SOLE   2,532 94 0
LOWES COS INC Common Stock 548661107 38 775 SH   OTR   775 0 0
LOWES COS INC Common Stock 548661107 527 10,780 SH   SOLE   9,960 300 520
MASTERCARD INC. Common Stock 57636Q104 439 5,875 SH   SOLE   5,125 150 600
MC DONALDS CORP Common Stock 580135101 229 2,336 SH   OTR   2,336 0 0
MC DONALDS CORP Common Stock 580135101 1,573 16,044 SH   SOLE   15,749 125 170
MICROSOFT CORP Common Stock 594918104 73 1,780 SH   OTR   1,780 0 0
MICROSOFT CORP Common Stock 594918104 481 11,725 SH   SOLE   11,725 0 0
NEXTERA ENERGY INC COM Common Stock 65339F101 259 2,710 SH   SOLE   2,506 0 204
NIKE INC Common Stock 654106103 217 2,932 SH   OTR   2,932 0 0
NIKE INC Common Stock 654106103 875 11,848 SH   SOLE   11,848 0 0
NOVARTIS A G A D R American Deposi 66987V109 141 1,654 SH   OTR   1,654 0 0
NOVARTIS A G A D R American Deposi 66987V109 914 10,745 SH   SOLE   10,315 150 280
PEPSICO INC Common Stock 713448108 229 2,745 SH   OTR   2,745 0 0
PEPSICO INC Common Stock 713448108 1,404 16,818 SH   SOLE   16,368 150 300
PFIZER INC Common Stock 717081103 129 4,030 SH   OTR   4,030 0 0
PFIZER INC Common Stock 717081103 782 24,338 SH   SOLE   23,823 0 515
PIMCO 0-5 YR HIGH YIELD CORP BD IND ETF-FIXED INCOM 72201R783 854 8,008 SH   OTR   8,008 0 0
PIMCO 0-5 YR HIGH YIELD CORP BD IND ETF-FIXED INCOM 72201R783 6,146 57,653 SH   SOLE   56,617 500 536
POWERSHARES SENIOR LOAN PORTFOLIO ETF-FIXED INCOM 73936Q769 454 18,316 SH   SOLE   18,316 0 0
PROCTER & GAMBLE CO Common Stock 742718109 224 2,785 SH   OTR   2,785 0 0
PROCTER & GAMBLE CO Common Stock 742718109 892 11,067 SH   SOLE   10,767 200 100
ROCKPORT NATL BANCORP INC Common Stock 773871108 862 14,145 SH   SOLE   14,145 0 0
SPDR TR ETF-DOMESTIC LA 78462F103 8 45 SH   OTR   45 0 0
SPDR TR ETF-DOMESTIC LA 78462F103 329 1,761 SH   SOLE   1,761 0 0
SELECT SECTOR SPDR-MATERIALS Common Stock 81369Y100 166 3,515 SH   OTR   3,515 0 0
SELECT SECTOR SPDR-MATERIALS Common Stock 81369Y100 583 12,336 SH   SOLE   12,071 125 140
ENERGY SELECT SECTOR SPDR Common Stock 81369Y506 44 495 SH   OTR   495 0 0
ENERGY SELECT SECTOR SPDR Common Stock 81369Y506 368 4,130 SH   SOLE   3,890 0 240
SELECT SECTOR SPDR-FINANCIAL Common Stock 81369Y605 302 13,500 SH   OTR   13,500 0 0
SELECT SECTOR SPDR-FINANCIAL Common Stock 81369Y605 966 43,233 SH   SOLE   43,033 200 0
INDUSTRIAL SELECT SECTOR SPDR Common Stock 81369Y704 162 3,090 SH   OTR   3,090 0 0
INDUSTRIAL SELECT SECTOR SPDR Common Stock 81369Y704 507 9,691 SH   SOLE   9,691 0 0
SELECT SECTOR SPDR-TECHNOLOGY Common Stock 81369Y803 133 3,670 SH   OTR   3,670 0 0
SELECT SECTOR SPDR-TECHNOLOGY Common Stock 81369Y803 1,189 32,711 SH   SOLE   31,936 0 775
UTILITIES SELECT SECTOR SPDR FUND Common Stock 81369Y886 162 3,915 SH   OTR   3,915 0 0
UTILITIES SELECT SECTOR SPDR FUND Common Stock 81369Y886 721 17,383 SH   SOLE   16,928 205 250
AXIAM, INC. Common Stock 87508Y992 0 10,000 SH   SOLE   10,000 0 0
3M CO Common Stock 88579Y101 245 1,805 SH   OTR   1,805 0 0
3M CO Common Stock 88579Y101 1,282 9,452 SH   SOLE   9,002 100 350
UNITED TECHNOLOGIES CORP Common Stock 913017109 212 1,812 SH   SOLE   1,812 0 0
VANGUARD EMERGING MKT ETF ETF-INTERNATION 922042858 18 440 SH   OTR   440 0 0
VANGUARD EMERGING MKT ETF ETF-INTERNATION 922042858 1,067 26,285 SH   SOLE   25,635 650 0
VANGUARD REIT VIPER ETF ETF REIT 922908553 245 3,464 SH   OTR   3,464 0 0
VANGUARD REIT VIPER ETF ETF REIT 922908553 2,030 28,748 SH   SOLE   28,012 175 561
VERIZON COMMUNICATIONS INC Common Stock 92343V104 231 4,866 SH   OTR   4,866 0 0
VERIZON COMMUNICATIONS INC Common Stock 92343V104 438 9,197 SH   SOLE   8,228 500 469
WISDOMTREE EMERGING MKTS EQ INC FD ETF-INTERNATION 97717W315 41 843 SH   OTR   843 0 0
WISDOMTREE EMERGING MKTS EQ INC FD ETF-INTERNATION 97717W315 463 9,430 SH   SOLE   9,430 0 0
ACCENTURE LTD Common Stock G1151C101 120 1,500 SH   OTR   1,500 0 0
ACCENTURE LTD Common Stock G1151C101 476 5,972 SH   SOLE   5,872 100 0