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 179 5,325 SH   OTR   5,325 0 0
AT&T INC. Common Stock 00206R102 1,152 34,305 SH   SOLE   34,105 0 200
ABBOTT LABS Common Stock 002824100 77 1,713 SH   OTR   1,713 0 0
ABBOTT LABS Common Stock 002824100 888 19,715 SH   SOLE   19,615 100 0
ABBVIE INC. Common Stock 00287Y109 39 600 SH   OTR   600 0 0
ABBVIE INC. Common Stock 00287Y109 424 6,475 SH   SOLE   6,475 0 0
AIR PRODS & CHEMS INC Common Stock 009158106 339 2,350 SH   SOLE   2,350 0 0
AMERICAN EXPRESS CO Common Stock 025816109 215 2,310 SH   SOLE   2,200 0 110
APPLE COMPUTER INC Common Stock 037833100 58 525 SH   OTR   525 0 0
APPLE COMPUTER INC Common Stock 037833100 1,856 16,814 SH   SOLE   16,674 140 0
APPLIED MATLS INC Common Stock 038222105 304 12,200 SH   SOLE   12,200 0 0
AUTOMATIC DATA PROCESSING INC Common Stock 053015103 284 3,401 SH   OTR   3,401 0 0
AUTOMATIC DATA PROCESSING INC Common Stock 053015103 1,732 20,773 SH   SOLE   20,738 35 0
AUTOZONE, INC. Common Stock 053332102 64 103 SH   OTR   103 0 0
AUTOZONE, INC. Common Stock 053332102 497 802 SH   SOLE   737 0 65
BERKSHIRE HATHAWAY INC DEL B NEW Common Stock 084670702 166 1,105 SH   OTR   1,105 0 0
BERKSHIRE HATHAWAY INC DEL B NEW Common Stock 084670702 1,327 8,840 SH   SOLE   8,265 150 425
BIOGEN IDEC INC Common Stock 09062X103 221 650 SH   SOLE   650 0 0
BLACKROCK INC Common Stock 09247X101 18 50 SH   OTR   50 0 0
BLACKROCK INC Common Stock 09247X101 590 1,650 SH   SOLE   1,650 0 0
CHEVRON CORPORATION Common Stock 166764100 159 1,417 SH   OTR   1,417 0 0
CHEVRON CORPORATION Common Stock 166764100 1,717 15,309 SH   SOLE   14,999 60 250
CHUBB CORP Common Stock 171232101 37 360 SH   OTR   360 0 0
CHUBB CORP Common Stock 171232101 1,358 13,120 SH   SOLE   12,790 0 330
COMPASS MINERALS INTERNATIONAL INC Common Stock 20451N101 40 462 SH   OTR   462 0 0
COMPASS MINERALS INTERNATIONAL INC Common Stock 20451N101 387 4,458 SH   SOLE   4,298 0 160
DNP SELECT INCOME FUND Common Stock 23325P104 180 17,000 SH   SOLE   17,000 0 0
EMERSON ELEC CO Common Stock 291011104 74 1,206 SH   OTR   1,206 0 0
EMERSON ELEC CO Common Stock 291011104 349 5,660 SH   SOLE   5,660 0 0
EXPEDITORS INTL WASH INC Common Stock 302130109 521 11,680 SH   SOLE   11,015 175 490
EXPRESS SCRIPTS INC Common Stock 30219G108 52 613 SH   OTR   613 0 0
EXPRESS SCRIPTS INC Common Stock 30219G108 225 2,657 SH   SOLE   2,557 0 100
EXXON MOBIL CORP Common Stock 30231G102 513 5,554 SH   OTR   5,554 0 0
EXXON MOBIL CORP Common Stock 30231G102 2,097 22,684 SH   SOLE   21,838 0 846
GENERAL DYNAMICS CORP Common Stock 369550108 127 920 SH   OTR   920 0 0
GENERAL DYNAMICS CORP Common Stock 369550108 784 5,700 SH   SOLE   5,505 0 195
GENERAL ELEC CO Common Stock 369604103 104 4,112 SH   OTR   3,912 200 0
GENERAL ELEC CO Common Stock 369604103 740 29,267 SH   SOLE   28,647 220 400
GENERAL MILLS INC Common Stock 370334104 27 510 SH   OTR   510 0 0
GENERAL MILLS INC Common Stock 370334104 970 18,192 SH   SOLE   17,942 0 250
GOOGLE INC CL A Common Stock 38259P508 59 111 SH   OTR   111 0 0
GOOGLE INC CL A Common Stock 38259P508 339 639 SH   SOLE   606 0 33
GOOGLE INC. CLASS C Common Stock 38259P706 58 111 SH   OTR   111 0 0
GOOGLE INC. CLASS C Common Stock 38259P706 310 588 SH   SOLE   548 0 40
INTEL CORP Common Stock 458140100 101 2,778 SH   OTR   2,778 0 0
INTEL CORP Common Stock 458140100 543 14,963 SH   SOLE   13,813 400 750
ISHARE S & P 500 INDX ETF-DOMESTIC LA 464287200 291 1,406 SH   SOLE   1,390 0 16
ISHARES MSCI EMERGING MKTS INDEX FD ETF-INTERNATION 464287234 71 1,800 SH   OTR   1,800 0 0
ISHARES MSCI EMERGING MKTS INDEX FD ETF-INTERNATION 464287234 359 9,148 SH   SOLE   9,148 0 0
I SHARES M S C I E A F E INDEX FUN ETF-INTERNATION 464287465 17 285 SH   OTR   285 0 0
I SHARES M S C I E A F E INDEX FUN ETF-INTERNATION 464287465 1,423 23,385 SH   SOLE   23,385 0 0
iSHARES S&P MID CAP 400 INDEX ETF-DOMESTIC MI 464287507 473 3,265 SH   OTR   3,265 0 0
iSHARES S&P MID CAP 400 INDEX ETF-DOMESTIC MI 464287507 3,195 22,062 SH   SOLE   22,062 0 0
iSHARES RUSSELL 2000 INDEX ETF-DOMESTIC SM 464287655 90 755 SH   OTR   755 0 0
iSHARES RUSSELL 2000 INDEX ETF-DOMESTIC SM 464287655 1,594 13,322 SH   SOLE   13,244 0 78
I SHARES DJ FIN SC INX ETF-DOMESTIC LA 464287788 219 2,433 SH   SOLE   2,433 0 0
iSHARES S&P SMALL CAP 600 INDEX ETF-DOMESTIC SM 464287804 75 661 SH   OTR   661 0 0
iSHARES S&P SMALL CAP 600 INDEX ETF-DOMESTIC SM 464287804 239 2,098 SH   SOLE   2,098 0 0
ISHARES S&P SH TR NATL AMT FREE MUN ETF-FIXED INCOM 464288158 434 4,094 SH   SOLE   4,094 0 0
ISHARES IBOXX HY BD ETF-FIXED INCOM 464288513 27 300 SH   OTR   300 0 0
ISHARES IBOXX HY BD ETF-FIXED INCOM 464288513 465 5,192 SH   SOLE   5,192 0 0
J P MORGAN CHASE & CO Common Stock 46625H100 58 920 SH   OTR   920 0 0
J P MORGAN CHASE & CO Common Stock 46625H100 818 13,078 SH   SOLE   12,863 90 125
JOHNSON & JOHNSON Common Stock 478160104 162 1,550 SH   OTR   1,550 0 0
JOHNSON & JOHNSON Common Stock 478160104 1,728 16,525 SH   SOLE   16,265 100 160
JOHNSON CONTROLS INC Common Stock 478366107 64 1,316 SH   OTR   1,316 0 0
JOHNSON CONTROLS INC Common Stock 478366107 186 3,855 SH   SOLE   3,855 0 0
KINDER MORGAN INC Common Stock 49456B101 265 6,257 SH   SOLE   6,010 247 0
LOWES COS INC Common Stock 548661107 743 10,805 SH   SOLE   9,985 300 520
MASTERCARD INC. Common Stock 57636Q104 472 5,475 SH   SOLE   4,725 150 600
MC DONALDS CORP Common Stock 580135101 158 1,689 SH   OTR   1,689 0 0
MC DONALDS CORP Common Stock 580135101 1,501 16,024 SH   SOLE   15,729 125 170
MICROSOFT CORP Common Stock 594918104 59 1,280 SH   OTR   1,280 0 0
MICROSOFT CORP Common Stock 594918104 645 13,896 SH   SOLE   13,896 0 0
NEXTERA ENERGY INC COM Common Stock 65339F101 282 2,656 SH   SOLE   2,506 0 150
NIKE INC Common Stock 654106103 243 2,526 SH   OTR   2,526 0 0
NIKE INC Common Stock 654106103 1,087 11,302 SH   SOLE   11,302 0 0
NOVARTIS A G A D R American Deposi 66987V109 116 1,252 SH   OTR   1,252 0 0
NOVARTIS A G A D R American Deposi 66987V109 962 10,380 SH   SOLE   9,950 150 280
PEPSICO INC Common Stock 713448108 181 1,919 SH   OTR   1,919 0 0
PEPSICO INC Common Stock 713448108 1,618 17,108 SH   SOLE   16,658 150 300
PFIZER INC Common Stock 717081103 91 2,930 SH   OTR   2,930 0 0
PFIZER INC Common Stock 717081103 939 30,160 SH   SOLE   29,645 0 515
PIMCO 0-5 YR HIGH YIELD CORP BD IND ETF-FIXED INCOM 72201R783 450 4,463 SH   OTR   4,463 0 0
PIMCO 0-5 YR HIGH YIELD CORP BD IND ETF-FIXED INCOM 72201R783 6,478 64,246 SH   SOLE   63,140 595 511
PROCTER & GAMBLE CO Common Stock 742718109 161 1,772 SH   OTR   1,772 0 0
PROCTER & GAMBLE CO Common Stock 742718109 1,108 12,165 SH   SOLE   11,865 200 100
SPDR TR ETF-DOMESTIC LA 78462F103 9 45 SH   OTR   45 0 0
SPDR TR ETF-DOMESTIC LA 78462F103 275 1,339 SH   SOLE   1,339 0 0
SPDR S&P EMERGING MKTS SMALL CAP ETF-INTERNATION 78463X756 9 200 SH   OTR   200 0 0
SPDR S&P EMERGING MKTS SMALL CAP ETF-INTERNATION 78463X756 490 11,059 SH   SOLE   11,059 0 0
SELECT SECTOR SPDR-MATERIALS Common Stock 81369Y100 137 2,820 SH   OTR   2,820 0 0
SELECT SECTOR SPDR-MATERIALS Common Stock 81369Y100 528 10,874 SH   SOLE   10,609 125 140
ENERGY SELECT SECTOR SPDR Common Stock 81369Y506 12 150 SH   OTR   150 0 0
ENERGY SELECT SECTOR SPDR Common Stock 81369Y506 344 4,340 SH   SOLE   4,100 0 240
SELECT SECTOR SPDR-FINANCIAL Common Stock 81369Y605 204 8,260 SH   OTR   8,260 0 0
SELECT SECTOR SPDR-FINANCIAL Common Stock 81369Y605 962 38,893 SH   SOLE   38,693 200 0
INDUSTRIAL SELECT SECTOR SPDR Common Stock 81369Y704 148 2,613 SH   OTR   2,613 0 0
INDUSTRIAL SELECT SECTOR SPDR Common Stock 81369Y704 521 9,211 SH   SOLE   9,211 0 0
SELECT SECTOR SPDR-TECHNOLOGY Common Stock 81369Y803 98 2,371 SH   OTR   2,371 0 0
SELECT SECTOR SPDR-TECHNOLOGY Common Stock 81369Y803 1,230 29,748 SH   SOLE   29,173 0 575
UTILITIES SELECT SECTOR SPDR FUND Common Stock 81369Y886 141 2,982 SH   OTR   2,982 0 0
UTILITIES SELECT SECTOR SPDR FUND Common Stock 81369Y886 826 17,491 SH   SOLE   17,036 205 250
AXIAM, INC. Common Stock 87508Y992 0 10,000 SH   SOLE   10,000 0 0
3M CO Common Stock 88579Y101 208 1,264 SH   OTR   1,264 0 0
3M CO Common Stock 88579Y101 1,507 9,172 SH   SOLE   8,722 100 350
VANGUARD EMERGING MKT ETF ETF-INTERNATION 922042858 38 940 SH   OTR   940 0 0
VANGUARD EMERGING MKT ETF ETF-INTERNATION 922042858 640 15,990 SH   SOLE   15,340 650 0
VANGUARD REIT VIPER ETF ETF REIT 922908553 255 3,154 SH   OTR   3,154 0 0
VANGUARD REIT VIPER ETF ETF REIT 922908553 3,337 41,198 SH   SOLE   40,462 175 561
VERIZON COMMUNICATIONS INC Common Stock 92343V104 178 3,809 SH   OTR   3,809 0 0
VERIZON COMMUNICATIONS INC Common Stock 92343V104 413 8,833 SH   SOLE   7,864 500 469
WALGREENS BOOTS ALLIANCE INC Common Stock 931427108 351 5,212 SH   SOLE   5,212 0 0
WELLS FARGO & CO Common Stock 949746101 84 1,525 SH   OTR   1,525 0 0
WELLS FARGO & CO Common Stock 949746101 141 2,575 SH   SOLE   2,575 0 0
WISDOMTREE EMERGING MKTS EQ INC FD ETF-INTERNATION 97717W315 28 656 SH   OTR   656 0 0
WISDOMTREE EMERGING MKTS EQ INC FD ETF-INTERNATION 97717W315 561 13,315 SH   SOLE   13,315 0 0
WISDOM TREE MIDCAP DIVIDEND FUND ETF-DOMESTIC MI 97717W505 117 1,395 SH   OTR   1,395 0 0
WISDOM TREE MIDCAP DIVIDEND FUND ETF-DOMESTIC MI 97717W505 970 11,580 SH   SOLE   11,160 420 0
WISDOMTREE SMALLCAP DIVIDEND FUND ETF-DOMESTIC SM 97717W604 39 550 SH   OTR   550 0 0
WISDOMTREE SMALLCAP DIVIDEND FUND ETF-DOMESTIC SM 97717W604 625 8,808 SH   SOLE   8,328 480 0
WISDOMTREE DEFA FUND ETF-INTERNATION 97717W703 78 1,565 SH   OTR   1,565 0 0
WISDOMTREE DEFA FUND ETF-INTERNATION 97717W703 1,581 31,885 SH   SOLE   31,175 710 0
ACCENTURE LTD Common Stock G1151C101 94 1,050 SH   OTR   1,050 0 0
ACCENTURE LTD Common Stock G1151C101 426 4,775 SH   SOLE   4,675 100 0