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 198 5,625 SH   OTR   5,625 0 0
AT&T INC. Common Stock 00206R102 1,279 36,283 SH   SOLE   36,083 0 200
ABBOTT LABS Common Stock 002824100 104 2,498 SH   OTR   2,498 0 0
ABBOTT LABS Common Stock 002824100 785 18,865 SH   SOLE   18,765 100 0
ABBVIE INC. Common Stock 00287Y109 35 600 SH   OTR   600 0 0
ABBVIE INC. Common Stock 00287Y109 374 6,475 SH   SOLE   6,475 0 0
AIR PRODS & CHEMS INC Common Stock 009158106 306 2,350 SH   SOLE   2,350 0 0
AMERICAN EXPRESS CO Common Stock 025816109 211 2,405 SH   SOLE   2,295 0 110
APPLE COMPUTER INC Common Stock 037833100 134 1,330 SH   OTR   1,330 0 0
APPLE COMPUTER INC Common Stock 037833100 1,603 15,909 SH   SOLE   15,769 140 0
APPLIED MATLS INC Common Stock 038222105 264 12,200 SH   SOLE   12,200 0 0
AUTOMATIC DATA PROCESSING INC Common Stock 053015103 331 3,990 SH   OTR   3,990 0 0
AUTOMATIC DATA PROCESSING INC Common Stock 053015103 1,940 23,355 SH   SOLE   23,020 35 300
AUTOZONE, INC. Common Stock 053332102 64 125 SH   OTR   125 0 0
AUTOZONE, INC. Common Stock 053332102 409 802 SH   SOLE   737 0 65
BERKSHIRE HATHAWAY INC DEL B NEW Common Stock 084670702 190 1,375 SH   OTR   1,375 0 0
BERKSHIRE HATHAWAY INC DEL B NEW Common Stock 084670702 1,205 8,725 SH   SOLE   8,150 150 425
BIOGEN IDEC INC Common Stock 09062X103 215 650 SH   SOLE   650 0 0
BLACKROCK INC Common Stock 09247X101 16 50 SH   OTR   50 0 0
BLACKROCK INC Common Stock 09247X101 419 1,275 SH   SOLE   1,275 0 0
CHEVRON CORPORATION Common Stock 166764100 187 1,567 SH   OTR   1,567 0 0
CHEVRON CORPORATION Common Stock 166764100 1,411 11,829 SH   SOLE   11,519 60 250
CHUBB CORP Common Stock 171232101 60 660 SH   OTR   660 0 0
CHUBB CORP Common Stock 171232101 1,191 13,080 SH   SOLE   12,665 0 415
COMPASS MINERALS INTERNATIONAL INC Common Stock 20451N101 59 697 SH   OTR   697 0 0
COMPASS MINERALS INTERNATIONAL INC Common Stock 20451N101 352 4,173 SH   SOLE   4,013 0 160
DNP SELECT INCOME FUND Common Stock 23325P104 152 15,000 SH   SOLE   15,000 0 0
DISNEY WALT CO Common Stock 254687106 236 2,650 SH   SOLE   2,650 0 0
EMERSON ELEC CO Common Stock 291011104 75 1,206 SH   OTR   1,206 0 0
EMERSON ELEC CO Common Stock 291011104 360 5,748 SH   SOLE   5,748 0 0
EXPEDITORS INTL WASH INC Common Stock 302130109 11 275 SH   OTR   275 0 0
EXPEDITORS INTL WASH INC Common Stock 302130109 485 11,950 SH   SOLE   11,285 175 490
EXPRESS SCRIPTS INC Common Stock 30219G108 64 900 SH   OTR   900 0 0
EXPRESS SCRIPTS INC Common Stock 30219G108 138 1,957 SH   SOLE   1,857 0 100
EXXON MOBIL CORP Common Stock 30231G102 623 6,626 SH   OTR   6,626 0 0
EXXON MOBIL CORP Common Stock 30231G102 2,133 22,675 SH   SOLE   21,829 0 846
GENERAL DYNAMICS CORP Common Stock 369550108 142 1,120 SH   OTR   1,120 0 0
GENERAL DYNAMICS CORP Common Stock 369550108 789 6,210 SH   SOLE   6,015 0 195
GENERAL ELEC CO Common Stock 369604103 128 5,012 SH   OTR   4,812 200 0
GENERAL ELEC CO Common Stock 369604103 591 23,077 SH   SOLE   22,457 220 400
GENERAL MILLS INC Common Stock 370334104 46 910 SH   OTR   910 0 0
GENERAL MILLS INC Common Stock 370334104 948 18,795 SH   SOLE   18,545 0 250
GOOGLE INC CL A Common Stock 38259P508 71 121 SH   OTR   121 0 0
GOOGLE INC CL A Common Stock 38259P508 364 619 SH   SOLE   571 0 48
GOOGLE INC. CLASS C Common Stock 38259P706 70 121 SH   OTR   121 0 0
GOOGLE INC. CLASS C Common Stock 38259P706 338 586 SH   SOLE   546 0 40
INTEL CORP Common Stock 458140100 115 3,300 SH   OTR   3,300 0 0
INTEL CORP Common Stock 458140100 563 16,183 SH   SOLE   15,033 400 750
ISHARE S & P 500 INDX ETF-DOMESTIC LA 464287200 279 1,406 SH   SOLE   1,390 0 16
ISHARES MSCI EMERGING MKTS INDEX FD ETF-INTERNATION 464287234 75 1,800 SH   OTR   1,800 0 0
ISHARES MSCI EMERGING MKTS INDEX FD ETF-INTERNATION 464287234 380 9,148 SH   SOLE   9,148 0 0
I SHARES M S C I E A F E INDEX FUN ETF-INTERNATION 464287465 50 785 SH   OTR   785 0 0
I SHARES M S C I E A F E INDEX FUN ETF-INTERNATION 464287465 1,459 22,758 SH   SOLE   22,758 0 0
iSHARES S&P MID CAP 400 INDEX ETF-DOMESTIC MI 464287507 419 3,065 SH   OTR   3,065 0 0
iSHARES S&P MID CAP 400 INDEX ETF-DOMESTIC MI 464287507 2,520 18,428 SH   SOLE   18,428 0 0
iSHARES RUSSELL 2000 INDEX ETF-DOMESTIC SM 464287655 69 635 SH   OTR   635 0 0
iSHARES RUSSELL 2000 INDEX ETF-DOMESTIC SM 464287655 1,330 12,161 SH   SOLE   12,071 0 90
I SHARES DJ FIN SC INX ETF-DOMESTIC LA 464287788 204 2,433 SH   SOLE   2,433 0 0
ISHARES S&P SH TR NATL AMT FREE MUN ETF-FIXED INCOM 464288158 429 4,044 SH   SOLE   4,044 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 454 4,942 SH   SOLE   4,942 0 0
J P MORGAN CHASE & CO Common Stock 46625H100 70 1,170 SH   OTR   1,170 0 0
J P MORGAN CHASE & CO Common Stock 46625H100 791 13,128 SH   SOLE   12,913 90 125
JOHNSON & JOHNSON Common Stock 478160104 203 1,900 SH   OTR   1,900 0 0
JOHNSON & JOHNSON Common Stock 478160104 1,884 17,671 SH   SOLE   17,411 100 160
JOHNSON CONTROLS INC Common Stock 478366107 66 1,490 SH   OTR   1,490 0 0
JOHNSON CONTROLS INC Common Stock 478366107 146 3,310 SH   SOLE   3,310 0 0
KINDER MORGAN MANAGEMENT, LLC Common Stock 49455U100 22 234 SH   OTR   234 0 0
KINDER MORGAN MANAGEMENT, LLC Common Stock 49455U100 212 2,247 SH   SOLE   2,149 98 0
LOWES COS INC Common Stock 548661107 41 775 SH   OTR   775 0 0
LOWES COS INC Common Stock 548661107 560 10,580 SH   SOLE   9,760 300 520
MASTERCARD INC. Common Stock 57636Q104 438 5,925 SH   SOLE   5,175 150 600
MC DONALDS CORP Common Stock 580135101 221 2,336 SH   OTR   2,336 0 0
MC DONALDS CORP Common Stock 580135101 1,497 15,789 SH   SOLE   15,494 125 170
MICROSOFT CORP Common Stock 594918104 83 1,780 SH   OTR   1,780 0 0
MICROSOFT CORP Common Stock 594918104 926 19,965 SH   SOLE   19,965 0 0
NEXTERA ENERGY INC COM Common Stock 65339F101 252 2,681 SH   SOLE   2,506 0 175
NIKE INC Common Stock 654106103 262 2,932 SH   OTR   2,932 0 0
NIKE INC Common Stock 654106103 1,001 11,220 SH   SOLE   11,220 0 0
NOVARTIS A G A D R American Deposi 66987V109 142 1,509 SH   OTR   1,509 0 0
NOVARTIS A G A D R American Deposi 66987V109 1,016 10,795 SH   SOLE   10,365 150 280
PEPSICO INC Common Stock 713448108 218 2,345 SH   OTR   2,345 0 0
PEPSICO INC Common Stock 713448108 1,585 17,023 SH   SOLE   16,573 150 300
PFIZER INC Common Stock 717081103 101 3,430 SH   OTR   3,430 0 0
PFIZER INC Common Stock 717081103 898 30,368 SH   SOLE   29,853 0 515
PIMCO 0-5 YR HIGH YIELD CORP BD IND ETF-FIXED INCOM 72201R783 602 5,808 SH   OTR   5,808 0 0
PIMCO 0-5 YR HIGH YIELD CORP BD IND ETF-FIXED INCOM 72201R783 6,318 60,954 SH   SOLE   59,823 595 536
POWERSHARES SENIOR LOAN PORTFOLIO ETF-FIXED INCOM 73936Q769 494 20,354 SH   SOLE   20,354 0 0
PROCTER & GAMBLE CO Common Stock 742718109 175 2,093 SH   OTR   2,093 0 0
PROCTER & GAMBLE CO Common Stock 742718109 1,059 12,645 SH   SOLE   12,345 200 100
SPDR TR ETF-DOMESTIC LA 78462F103 9 45 SH   OTR   45 0 0
SPDR TR ETF-DOMESTIC LA 78462F103 246 1,249 SH   SOLE   1,249 0 0
SPDR S&P EMERGING MKTS SMALL CAP ETF-INTERNATION 78463X756 10 200 SH   OTR   200 0 0
SPDR S&P EMERGING MKTS SMALL CAP ETF-INTERNATION 78463X756 336 7,005 SH   SOLE   7,005 0 0
SELECT SECTOR SPDR-MATERIALS Common Stock 81369Y100 169 3,400 SH   OTR   3,400 0 0
SELECT SECTOR SPDR-MATERIALS Common Stock 81369Y100 548 11,054 SH   SOLE   10,789 125 140
ENERGY SELECT SECTOR SPDR Common Stock 81369Y506 14 150 SH   OTR   150 0 0
ENERGY SELECT SECTOR SPDR Common Stock 81369Y506 393 4,340 SH   SOLE   4,100 0 240
SELECT SECTOR SPDR-FINANCIAL Common Stock 81369Y605 301 13,000 SH   OTR   13,000 0 0
SELECT SECTOR SPDR-FINANCIAL Common Stock 81369Y605 886 38,243 SH   SOLE   38,043 200 0
INDUSTRIAL SELECT SECTOR SPDR Common Stock 81369Y704 164 3,090 SH   OTR   3,090 0 0
INDUSTRIAL SELECT SECTOR SPDR Common Stock 81369Y704 489 9,196 SH   SOLE   9,196 0 0
SELECT SECTOR SPDR-TECHNOLOGY Common Stock 81369Y803 130 3,270 SH   OTR   3,270 0 0
SELECT SECTOR SPDR-TECHNOLOGY Common Stock 81369Y803 1,227 30,761 SH   SOLE   29,986 0 775
UTILITIES SELECT SECTOR SPDR FUND Common Stock 81369Y886 140 3,330 SH   OTR   3,330 0 0
UTILITIES SELECT SECTOR SPDR FUND Common Stock 81369Y886 776 18,426 SH   SOLE   17,971 205 250
AXIAM, INC. Common Stock 87508Y992 0 10,000 SH   SOLE   10,000 0 0
3M CO Common Stock 88579Y101 225 1,590 SH   OTR   1,590 0 0
3M CO Common Stock 88579Y101 1,306 9,217 SH   SOLE   8,767 100 350
VANGUARD EMERGING MKT ETF ETF-INTERNATION 922042858 18 440 SH   OTR   440 0 0
VANGUARD EMERGING MKT ETF ETF-INTERNATION 922042858 653 15,660 SH   SOLE   15,010 650 0
VANGUARD REIT VIPER ETF ETF REIT 922908553 235 3,264 SH   OTR   3,264 0 0
VANGUARD REIT VIPER ETF ETF REIT 922908553 2,388 33,231 SH   SOLE   32,495 175 561
VERIZON COMMUNICATIONS INC Common Stock 92343V104 243 4,866 SH   OTR   4,866 0 0
VERIZON COMMUNICATIONS INC Common Stock 92343V104 439 8,783 SH   SOLE   7,814 500 469
WALGREEN CO Common Stock 931422109 445 7,500 SH   SOLE   7,500 0 0
WELLS FARGO & CO Common Stock 949746101 79 1,525 SH   OTR   1,525 0 0
WELLS FARGO & CO Common Stock 949746101 123 2,375 SH   SOLE   2,375 0 0
WISDOMTREE EMERGING MKTS EQ INC FD ETF-INTERNATION 97717W315 31 656 SH   OTR   656 0 0
WISDOMTREE EMERGING MKTS EQ INC FD ETF-INTERNATION 97717W315 594 12,440 SH   SOLE   12,440 0 0
WISDOM TREE MIDCAP DIVIDEND FUND ETF-DOMESTIC MI 97717W505 112 1,425 SH   OTR   1,425 0 0
WISDOM TREE MIDCAP DIVIDEND FUND ETF-DOMESTIC MI 97717W505 929 11,870 SH   SOLE   11,450 420 0
WISDOMTREE SMALLCAP DIVIDEND FUND ETF-DOMESTIC SM 97717W604 36 550 SH   OTR   550 0 0
WISDOMTREE SMALLCAP DIVIDEND FUND ETF-DOMESTIC SM 97717W604 585 9,013 SH   SOLE   8,533 480 0
WISDOMTREE DEFA FUND ETF-INTERNATION 97717W703 118 2,265 SH   OTR   2,265 0 0
WISDOMTREE DEFA FUND ETF-INTERNATION 97717W703 1,621 31,012 SH   SOLE   30,302 710 0
ACCENTURE LTD Common Stock G1151C101 110 1,350 SH   OTR   1,350 0 0
ACCENTURE LTD Common Stock G1151C101 431 5,300 SH   SOLE   5,200 100 0