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
(A) ISHARES COHEN&STEER REIT ETF 464287564 1,031 12,539 SH   SOLE   12,539 0 0
(A) ISHARES COHEN&STEER REIT ETF 464287564 214 2,601 SH   DFND   0 0 2,601
(A) ISHARES EAFE GRWTH ETF ETF 464288885 797 11,234 SH   SOLE   11,234 0 0
(A) ISHARES EAFE GRWTH ETF ETF 464288885 152 2,137 SH   DFND   0 0 2,137
(A) ISHARES EAFE SML CP ETF ETF 464288273 1,738 33,290 SH   SOLE   33,257 0 33
(A) ISHARES EAFE SML CP ETF ETF 464288273 155 2,962 SH   DFND   0 0 2,962
(A) ISHARES EAFE SML CP ETF ETF 464288273 149 2,854 SH   OTR   0 0 2,854
(A) ISHARES EAFE VALUE ETF ETF 464288877 424 7,361 SH   SOLE   7,361 0 0
(A) ISHARES EAFE VALUE ETF ETF 464288877 147 2,545 SH   DFND   0 0 2,545
(A) ISHARES EAFE VALUE ETF ETF 464288877 10 181 SH   OTR   0 0 181
(A) ISHARES INTL DEV RE ETF ETF 464288489 305 10,143 SH   SOLE   10,143 0 0
(A) ISHARES INTL DEV RE ETF ETF 464288489 29 971 SH   DFND   0 0 971
(A) ISHARES MSCI EAFE ETF ETF 464287465 1,800 26,791 SH   SOLE   26,781 0 10
(A) ISHARES MSCI EAFE ETF ETF 464287465 269 4,000 SH   DFND   0 0 4,000
(A) ISHARES MSCI EAFE ETF ETF 464287465 79 1,183 SH   OTR   41 0 1,142
(A) ISHARES RUS 1000 ETF ETF 464287622 4,294 40,989 SH   SOLE   40,974 0 15
(A) ISHARES RUS 1000 ETF ETF 464287622 134 1,279 SH   DFND   0 0 1,279
(A) ISHARES RUS 1000 GRW ETF ETF 464287614 7,781 89,916 SH   SOLE   89,916 0 0
(A) ISHARES RUS 1000 GRW ETF ETF 464287614 513 5,931 SH   DFND   0 0 5,931
(A) ISHARES RUS 1000 GRW ETF ETF 464287614 171 1,973 SH   OTR   0 0 1,973
(A) ISHARES RUS 1000 VAL ETF ETF 464287598 6,282 65,099 SH   SOLE   65,099 0 0
(A) ISHARES RUS 1000 VAL ETF ETF 464287598 376 3,896 SH   DFND   0 0 3,896
(A) ISHARES RUS 1000 VAL ETF ETF 464287598 72 744 SH   OTR   0 0 744
(A) ISHARES RUS 2000 GRW ETF ETF 464287648 2,079 15,282 SH   SOLE   15,266 0 17
(A) ISHARES RUS 2000 GRW ETF ETF 464287648 374 2,746 SH   DFND   0 0 2,746
(A) ISHARES RUS 2000 GRW ETF ETF 464287648 296 2,176 SH   OTR   0 0 2,176
(A) ISHARES RUS 2000 VAL ETF ETF 464287630 2,074 20,568 SH   SOLE   20,568 0 0
(A) ISHARES RUS 2000 VAL ETF ETF 464287630 321 3,186 SH   DFND   0 0 3,186
(A) ISHARES RUS 2000 VAL ETF ETF 464287630 163 1,613 SH   OTR   0 0 1,613
(A) ISHARES RUSSELL 2000 ETF ETF 464287655 3,149 27,067 SH   SOLE   27,023 0 45
(A) ISHARES RUSSELL 2000 ETF ETF 464287655 618 5,309 SH   DFND   0 0 5,309
(A) ISHARES RUSSELL 2000 ETF ETF 464287655 546 4,694 SH   OTR   0 0 4,694
(A) VANGUARD INTL EQUITY INDEX ETF 922042858 1,345 33,139 SH   SOLE   33,139 0 0
(A) VANGUARD INTL EQUITY INDEX ETF 922042858 356 8,779 SH   DFND   0 0 8,779
(A) VANGUARD INTL EQUITY INDEX ETF 922042858 492 12,136 SH   OTR   0 0 12,136
(A) VANGUARD WHITEHALL FDS INC ETF 921946406 326 5,158 SH   SOLE   5,158 0 0
(A) VANGUARD WHITEHALL FDS INC ETF 921946406 104 1,651 SH   DFND   0 0 1,651
(A) VANGUARD WHITEHALL FDS INC ETF 921946406 14 215 SH   OTR   0 0 215
(R) ISHARES RUS MD CP GR ETF ETF 464287481 785 9,147 SH   SOLE   9,147 0 0
(R) ISHARES RUS MD CP GR ETF ETF 464287481 121 1,407 SH   DFND   0 0 1,407
(R) ISHARES RUS MD CP GR ETF ETF 464287481 176 2,056 SH   OTR   0 0 2,056
(R) ISHARES RUS MDCP VAL ETF ETF 464287473 1,453 21,134 SH   SOLE   21,134 0 0
(R) ISHARES RUS MDCP VAL ETF ETF 464287473 130 1,885 SH   DFND   0 0 1,885
(R) ISHARES RUS MDCP VAL ETF ETF 464287473 180 2,616 SH   OTR   0 0 2,616
ISHARES CORE S&P MCP ETF ETF 464287507 397 2,886 SH   SOLE   2,886 0 0
ISHARES CORE S&P MCP ETF ETF 464287507 495 3,600 SH   DFND   0 0 3,600
ISHARES CORE S&P MCP ETF ETF 464287507 141 1,025 SH   OTR   0 0 1,025
ISHARES CORE S&P SCP ETF ETF 464287804 130 1,183 SH   SOLE   1,183 0 0
ISHARES CORE S&P SCP ETF ETF 464287804 235 2,137 SH   DFND   0 0 2,137
ISHARES CORE S&P500 ETF ETF 464287200 435 2,312 SH   SOLE   2,312 0 0
ISHARES CORE S&P500 ETF ETF 464287200 1,205 6,404 SH   DFND   0 0 6,404
ISHARES CORE S&P500 ETF ETF 464287200 3 17 SH   OTR   0 0 17
ISHARES INTL SEL DIV ETF ETF 464288448 203 5,250 SH   OTR   0 0 5,250
ISHARES MSCI EMG MKT ETF ETF 464287234 240 5,860 SH   SOLE   5,860 0 0
ISHARES MSCI EMG MKT ETF ETF 464287234 134 3,274 SH   DFND   0 0 3,274
ISHARES MSCI EMG MKT ETF ETF 464287234 0 6 SH   OTR   0 0 6
ISHARES MSCI PAC JP ETF ETF 464286665 86 1,785 SH   SOLE   1,785 0 0
ISHARES MSCI PAC JP ETF ETF 464286665 107 2,220 SH   DFND   0 0 2,220
ISHARES MSCI PAC JP ETF ETF 464286665 14 300 SH   OTR   0 0 300
ISHARES RUSSELL 3000 ETF ETF 464287689 225 2,003 SH   SOLE   2,003 0 0
ISHARES RUSSELL 3000 ETF ETF 464287689 320 2,845 SH   DFND   0 0 2,845
ISHARES S&P 500 GRWT ETF ETF 464287309 480 4,803 SH   SOLE   4,803 0 0
ISHARES S&P 500 VAL ETF ETF 464287408 334 3,845 SH   SOLE   3,845 0 0
ISHARES U.S. REAL ES ETF ETF 464287739 7 109 SH   SOLE   109 0 0
ISHARES U.S. REAL ES ETF ETF 464287739 10 145 SH   DFND   0 0 145
ISHARES U.S. REAL ES ETF ETF 464287739 357 5,278 SH   OTR   0 0 5,278
PROSHARES TR PSHS ULT S&P 500 ETF 74347R107 202 1,918 SH   DFND   0 0 1,918
SPDR S&P 500 ETF TR TR UNIT ETF 78462F103 522 2,791 SH   SOLE   2,791 0 0
SPDR S&P 500 ETF TR TR UNIT ETF 78462F103 133 712 SH   DFND   0 0 712
SPDR S&P 500 ETF TR TR UNIT ETF 78462F103 66 355 SH   OTR   0 0 355
SPDR S&P MIDCAP 400 ETF TR UTS ETF 78467Y107 190 758 SH   SOLE   758 0 0
SPDR S&P MIDCAP 400 ETF TR UTS ETF 78467Y107 32 129 SH   DFND   0 0 129
VANGUARD TAX MANAGED INTL FD F ETF 921943858 87 2,100 SH   SOLE   2,100 0 0
VANGUARD TAX MANAGED INTL FD F ETF 921943858 452 10,945 SH   DFND   0 0 10,945
VANGUARD TAX MANAGED INTL FD F ETF 921943858 175 4,229 SH   OTR   0 0 4,229
1/100 BERKSHIRE HTWY CLA100 SH STOCK 084990175 749 400 SH   SOLE   200 0 200
1/100 BERKSHIRE HTWY CLA100 SH STOCK 084990175 375 200 SH   DFND   200 0 200
1/100 BERKSHIRE HTWY CLA100 SH STOCK 084990175 187 100 SH   OTR   0 0 100
3M CO COM STOCK 88579Y101 315 2,325 SH   SOLE   2,295 0 30
3M CO COM STOCK 88579Y101 439 3,233 SH   DFND   0 0 3,233
3M CO COM STOCK 88579Y101 206 1,517 SH   OTR   0 0 1,517
ABBOTT LABS COM STOCK 002824100 548 14,233 SH   SOLE   14,168 0 65
ABBOTT LABS COM STOCK 002824100 71 1,847 SH   DFND   0 0 1,847
ABBOTT LABS COM STOCK 002824100 99 2,580 SH   OTR   0 0 2,580
ABBVIE INC COM STOCK 00287Y109 712 13,861 SH   SOLE   13,796 0 65
ABBVIE INC COM STOCK 00287Y109 96 1,863 SH   DFND   0 0 1,863
ABBVIE INC COM STOCK 00287Y109 133 2,580 SH   OTR   0 0 2,580
ACCENTURE PLC IRELAND SHS CLAS STOCK G1151C101 1,475 18,496 SH   SOLE   18,473 0 23
ACCENTURE PLC IRELAND SHS CLAS STOCK G1151C101 601 7,540 SH   DFND   0 0 7,540
ACCENTURE PLC IRELAND SHS CLAS STOCK G1151C101 583 7,314 SH   OTR   0 0 7,314
AIR PRODS & CHEMS INC COM STOCK 009158106 257 2,156 SH   SOLE   2,148 0 8
AIR PRODS & CHEMS INC COM STOCK 009158106 4 30 SH   DFND   0 0 30
AIR PRODS & CHEMS INC COM STOCK 009158106 37 315 SH   OTR   0 0 315
ALLSTATE CORP COM STOCK 020002101 173 3,058 SH   SOLE   3,019 0 39
ALLSTATE CORP COM STOCK 020002101 18 315 SH   DFND   0 0 315
ALLSTATE CORP COM STOCK 020002101 113 1,990 SH   OTR   0 0 1,990
ALTRIA GROUP INC COM STOCK 02209S103 693 18,507 SH   SOLE   18,420 0 87
ALTRIA GROUP INC COM STOCK 02209S103 246 6,577 SH   DFND   0 0 6,577
ALTRIA GROUP INC COM STOCK 02209S103 56 1,500 SH   OTR   0 0 1,500
AMEREN CORP COM STOCK 023608102 222 5,388 SH   SOLE   2,921 0 2,467
AMEREN CORP COM STOCK 023608102 22 532 SH   DFND   0 0 532
AMEREN CORP COM STOCK 023608102 33 800 SH   OTR   0 0 800
AMERICAN EXPRESS CO COM STOCK 025816109 556 6,174 SH   SOLE   6,136 0 38
AMERICAN EXPRESS CO COM STOCK 025816109 310 3,448 SH   DFND   0 0 3,448
AON PLC SHS CL A STOCK G0408V102 320 3,791 SH   SOLE   3,786 0 5
AON PLC SHS CL A STOCK G0408V102 27 323 SH   DFND   0 0 323
AON PLC SHS CL A STOCK G0408V102 28 334 SH   OTR   0 0 334
APACHE CORP COM STOCK 037411105 102 1,225 SH   SOLE   1,225 0 0
APACHE CORP COM STOCK 037411105 56 670 SH   DFND   0 0 670
APACHE CORP COM STOCK 037411105 267 3,215 SH   OTR   0 0 3,215
APPLE INC COM STOCK 037833100 1,073 1,999 SH   SOLE   1,966 0 33
APPLE INC COM STOCK 037833100 628 1,169 SH   DFND   0 0 1,169
APPLE INC COM STOCK 037833100 663 1,236 SH   OTR   0 0 1,236
ARCHER DANIELS MIDLAND CO COM STOCK 039483102 324 7,476 SH   SOLE   7,451 0 25
ARCHER DANIELS MIDLAND CO COM STOCK 039483102 9 206 SH   DFND   0 0 206
ARCHER DANIELS MIDLAND CO COM STOCK 039483102 11 264 SH   OTR   0 0 264
ASTRAZENECA PLC SPONSORED ADR STOCK 046353108 263 4,050 SH   DFND   0 0 4,050
ASTRAZENECA PLC SPONSORED ADR STOCK 046353108 121 1,865 SH   OTR   0 0 1,865
AT&T INC COM STOCK 00206R102 750 21,383 SH   SOLE   21,134 0 249
AT&T INC COM STOCK 00206R102 289 8,228 SH   DFND   0 0 8,228
AT&T INC COM STOCK 00206R102 341 9,729 SH   OTR   0 0 9,729
AUTOMATIC DATA PROCESSING INC STOCK 053015103 320 4,145 SH   SOLE   4,126 0 19
AUTOMATIC DATA PROCESSING INC STOCK 053015103 86 1,117 SH   DFND   0 0 1,117
BANK OF AMERICA CORPORATION CO STOCK 060505104 375 21,798 SH   SOLE   21,419 0 379
BANK OF AMERICA CORPORATION CO STOCK 060505104 151 8,775 SH   DFND   0 0 8,775
BANK OF AMERICA CORPORATION CO STOCK 060505104 33 1,892 SH   OTR   0 0 1,892
BCE INC COM NEW STOCK 05534B760 4 88 SH   SOLE   88 0 0
BCE INC COM NEW STOCK 05534B760 241 5,594 SH   DFND   0 0 5,594
BCE INC COM NEW STOCK 05534B760 5 109 SH   OTR   0 0 109
BERKSHIRE HATHAWAY INC STOCK 113809107 850 6,800 SH   SOLE   5,669 0 1,131
BERKSHIRE HATHAWAY INC STOCK 113809107 213 1,701 SH   DFND   1,066 0 1,701
BERKSHIRE HATHAWAY INC CL B STOCK 084670702 282 2,260 SH   DFND   0 0 2,260
BLACKROCK INC COM STOCK 09247X101 131 417 SH   SOLE   408 0 9
BLACKROCK INC COM STOCK 09247X101 60 190 SH   DFND   0 0 190
BLACKROCK INC COM STOCK 09247X101 66 210 SH   OTR   0 0 210
BLUELINX HLDGS INC COM STOCK 09624H109 260 200,236 SH   SOLE   200,236 0 0
BOEING CO COM STOCK 097023105 259 2,060 SH   SOLE   2,036 0 24
BOEING CO COM STOCK 097023105 127 1,014 SH   DFND   0 0 1,014
BP PLC SPONSORED ADR STOCK 055622104 190 3,960 SH   SOLE   3,960 0 0
BP PLC SPONSORED ADR STOCK 055622104 189 3,919 SH   OTR   0 0 3,919
BRISTOL MYERS SQUIBB CO COM STOCK 110122108 810 15,592 SH   SOLE   13,360 0 2,232
BRISTOL MYERS SQUIBB CO COM STOCK 110122108 170 3,276 SH   DFND   2,160 0 3,276
BRISTOL MYERS SQUIBB CO COM STOCK 110122108 451 8,673 SH   OTR   0 0 8,673
CANNABIS SCIENCE INC COM STOCK 137648101 2 10,000 SH   SOLE   10,000 0 0
CAROLINA BK HLDGS INC GREENSBO STOCK 143785103 244 23,765 SH   DFND   0 0 23,765
CATERPILLAR INC DEL COM STOCK 149123101 189 1,903 SH   SOLE   1,878 0 25
CATERPILLAR INC DEL COM STOCK 149123101 7 71 SH   DFND   0 0 71
CATERPILLAR INC DEL COM STOCK 149123101 164 1,655 SH   OTR   0 0 1,655
CELGENE CORP COM STOCK 151020104 2 16 SH   SOLE   0 0 16
CELGENE CORP COM STOCK 151020104 21 150 SH   DFND   0 0 150
CELGENE CORP COM STOCK 151020104 460 3,293 SH   OTR   0 0 3,293
CHEVRON CORP NEW COM STOCK 166764100 733 6,167 SH   SOLE   6,084 0 83
CHEVRON CORP NEW COM STOCK 166764100 501 4,212 SH   DFND   0 0 4,212
CHEVRON CORP NEW COM STOCK 166764100 283 2,379 SH   OTR   0 0 2,379
CHUBB CORP COM STOCK 171232101 189 2,118 SH   SOLE   2,118 0 0
CHUBB CORP COM STOCK 171232101 57 639 SH   DFND   0 0 639
CHURCH & DWIGHT INC COM STOCK 171340102 17 250 SH   SOLE   250 0 0
CHURCH & DWIGHT INC COM STOCK 171340102 207 3,000 SH   DFND   0 0 3,000
CIMAREX ENERGY CO COM STOCK 171798101 357 3,000 SH   SOLE   3,000 0 0
CISCO SYS INC COM STOCK 17275R102 78 3,485 SH   SOLE   3,236 0 249
CISCO SYS INC COM STOCK 17275R102 226 10,064 SH   DFND   0 0 10,064
CISCO SYS INC COM STOCK 17275R102 82 3,641 SH   OTR   0 0 3,641
CITRIX SYS INC COM STOCK 177376100 34 600 SH   SOLE   600 0 0
CITRIX SYS INC COM STOCK 177376100 1 9 SH   DFND   0 0 9
CITRIX SYS INC COM STOCK 177376100 311 5,417 SH   OTR   0 0 5,417
COCA COLA CO COM STOCK 191216100 588 15,221 SH   SOLE   15,051 0 170
COCA COLA CO COM STOCK 191216100 136 3,516 SH   DFND   0 0 3,516
COCA COLA CO COM STOCK 191216100 782 20,224 SH   OTR   0 0 20,224
COLGATE PALMOLIVE CO COM STOCK 194162103 113 1,740 SH   SOLE   1,700 0 40
COLGATE PALMOLIVE CO COM STOCK 194162103 390 6,013 SH   DFND   0 0 6,013
COLGATE PALMOLIVE CO COM STOCK 194162103 17 262 SH   OTR   0 0 262
COMMERCE BANCSHARES INC COM STOCK 200525103 417 8,974 SH   SOLE   8,974 0 0
COMMERCE BANCSHARES INC COM STOCK 200525103 7 152 SH   OTR   0 0 152
CONOCOPHILLIPS COM STOCK 20825C104 269 3,826 SH   SOLE   3,794 0 32
CONOCOPHILLIPS COM STOCK 20825C104 419 5,952 SH   DFND   0 0 5,952
CONOCOPHILLIPS COM STOCK 20825C104 113 1,600 SH   OTR   0 0 1,600
CUMMINS INC COM STOCK 231021106 28 191 SH   SOLE   175 0 16
CUMMINS INC COM STOCK 231021106 43 289 SH   DFND   0 0 289
CUMMINS INC COM STOCK 231021106 149 1,000 SH   OTR   0 0 1,000
CVS CAREMARK CORPORATION COM STOCK 126650100 6 86 SH   SOLE   31 0 55
CVS CAREMARK CORPORATION COM STOCK 126650100 192 2,564 SH   DFND   0 0 2,564
CVS CAREMARK CORPORATION COM STOCK 126650100 8 105 SH   OTR   0 0 105
DEERE & CO COM STOCK 244199105 39 427 SH   SOLE   408 0 19
DEERE & CO COM STOCK 244199105 53 579 SH   DFND   0 0 579
DEERE & CO COM STOCK 244199105 500 5,503 SH   OTR   0 0 5,503
DEVON ENERGY CORP NEW COM STOCK 25179M103 405 6,057 SH   SOLE   6,057 0 0
DEVON ENERGY CORP NEW COM STOCK 25179M103 1 21 SH   DFND   0 0 21
DIAGEO P L C SPON ADR NEW STOCK 25243Q205 271 2,173 SH   DFND   0 0 2,173
DIAGEO P L C SPON ADR NEW STOCK 25243Q205 7 59 SH   OTR   0 0 59
DISCOVER FINL SVCS COM STOCK 254709108 69 1,184 SH   SOLE   1,156 0 28
DISCOVER FINL SVCS COM STOCK 254709108 119 2,040 SH   DFND   0 0 2,040
DISCOVER FINL SVCS COM STOCK 254709108 29 500 SH   OTR   0 0 500
DISNEY WALT CO COM DISNEY STOCK 254687106 1,349 16,842 SH   SOLE   16,756 0 86
DISNEY WALT CO COM DISNEY STOCK 254687106 31 383 SH   DFND   0 0 383
DISNEY WALT CO COM DISNEY STOCK 254687106 1,336 16,690 SH   OTR   0 0 16,690
DOMINION RES INC VA NEW COM STOCK 25746U109 170 2,395 SH   SOLE   2,364 0 31
DOMINION RES INC VA NEW COM STOCK 25746U109 213 2,994 SH   DFND   0 0 2,994
DOMINION RES INC VA NEW COM STOCK 25746U109 213 3,000 SH   OTR   0 0 3,000
DOW CHEM CO COM STOCK 260543103 193 3,976 SH   SOLE   3,935 0 41
DOW CHEM CO COM STOCK 260543103 18 374 SH   DFND   0 0 374
DOW CHEM CO COM STOCK 260543103 15 305 SH   OTR   0 0 305
DTE ENERGY CO COM STOCK 233331107 201 2,700 SH   SOLE   2,700 0 0
DU PONT E I DE NEMOURS & CO CO STOCK 263534109 669 9,968 SH   SOLE   9,938 0 30
DU PONT E I DE NEMOURS & CO CO STOCK 263534109 243 3,620 SH   DFND   0 0 3,620
DU PONT E I DE NEMOURS & CO CO STOCK 263534109 164 2,450 SH   OTR   0 0 2,450
E M C CORP MASS COM STOCK 268648102 109 3,988 SH   SOLE   3,965 0 23
E M C CORP MASS COM STOCK 268648102 112 4,075 SH   DFND   0 0 4,075
E M C CORP MASS COM STOCK 268648102 80 2,935 SH   OTR   0 0 2,935
EASTERN VA BANKSHARES INC COM STOCK 277196101 71 11,000 SH   DFND   0 0 11,000
EMERSON ELEC CO COM STOCK 291011104 840 12,581 SH   SOLE   12,581 0 0
EMERSON ELEC CO COM STOCK 291011104 306 4,580 SH   DFND   0 0 4,580
EMERSON ELEC CO COM STOCK 291011104 254 3,803 SH   OTR   0 0 3,803
ENERGIZER HLDGS INC COM STOCK 29266R108 109 1,081 SH   SOLE   1,081 0 0
ENERGIZER HLDGS INC COM STOCK 29266R108 262 2,600 SH   DFND   0 0 2,600
ENTERPRISE FINL SVCS CORP COM STOCK 293712105 649 32,339 SH   SOLE   32,339 0 0
ENTERPRISE FINL SVCS CORP COM STOCK 293712105 663 33,017 SH   DFND   0 0 33,017
EXPRESS SCRIPTS HLDG CO COM STOCK 30219G108 602 8,022 SH   SOLE   8,001 0 21
EXPRESS SCRIPTS HLDG CO COM STOCK 30219G108 317 4,222 SH   DFND   0 0 4,222
EXPRESS SCRIPTS HLDG CO COM STOCK 30219G108 979 13,034 SH   OTR   0 0 13,034
EXXON MOBIL CORP COM STOCK 30231G102 5,112 52,337 SH   SOLE   51,148 0 1,189
EXXON MOBIL CORP COM STOCK 30231G102 538 5,507 SH   DFND   1,000 0 5,507
EXXON MOBIL CORP COM STOCK 30231G102 1,283 13,135 SH   OTR   0 0 13,135
FASTENAL CO COM STOCK 311900104 25 500 SH   SOLE   500 0 0
FASTENAL CO COM STOCK 311900104 80 1,620 SH   DFND   0 0 1,620
FASTENAL CO COM STOCK 311900104 225 4,569 SH   OTR   0 0 4,569
FEDEX CORP COM STOCK 31428X106 90 678 SH   SOLE   660 0 18
FEDEX CORP COM STOCK 31428X106 263 1,985 SH   DFND   0 0 1,985
FIRST BANK WILLIAMSTOWN NJ COM STOCK 31931U102 71 11,000 SH   DFND   0 0 11,000
FIRST CTZNS BANC CORP 6.50% PF STOCK 319459400 297 10,000 SH   DFND   0 0 10,000
GENERAL ELECTRIC CO COM STOCK 369604103 2,643 102,086 SH   SOLE   101,599 0 487
GENERAL ELECTRIC CO COM STOCK 369604103 560 21,642 SH   DFND   0 0 21,642
GENERAL ELECTRIC CO COM STOCK 369604103 287 11,097 SH   OTR   0 0 11,097
GENERAL MLS INC COM STOCK 370334104 74 1,433 SH   SOLE   1,407 0 26
GENERAL MLS INC COM STOCK 370334104 1,081 20,854 SH   DFND   0 0 20,854
GENERAL MLS INC COM STOCK 370334104 352 6,785 SH   OTR   0 0 6,785
GENUINE PARTS CO COM STOCK 372460105 202 2,323 SH   DFND   0 0 2,323
GILEAD SCIENCES INC COM STOCK 375558103 59 832 SH   SOLE   742 0 90
GILEAD SCIENCES INC COM STOCK 375558103 64 903 SH   DFND   0 0 903
GILEAD SCIENCES INC COM STOCK 375558103 167 2,360 SH   OTR   0 0 2,360
GLAXOSMITHKLINE PLC SPONSORED STOCK 37733W105 9 162 SH   SOLE   162 0 0
GLAXOSMITHKLINE PLC SPONSORED STOCK 37733W105 23 430 SH   DFND   0 0 430
GLAXOSMITHKLINE PLC SPONSORED STOCK 37733W105 579 10,844 SH   OTR   0 0 10,844
HEALTH CARE REIT INC COM STOCK 42217K106 1 21 SH   SOLE   0 0 21
HEALTH CARE REIT INC COM STOCK 42217K106 219 3,669 SH   DFND   0 0 3,669
HEALTH CARE REIT INC COM STOCK 42217K106 18 300 SH   OTR   0 0 300
HEMP INC COM STOCK 423703107 1 14,500 SH   DFND   0 0 14,500
HERSHEY CO COM STOCK 427866108 146 1,400 SH   SOLE   1,400 0 0
HERSHEY CO COM STOCK 427866108 11 106 SH   DFND   0 0 106
HERSHEY CO COM STOCK 427866108 52 500 SH   OTR   0 0 500
HOME DEPOT INC COM STOCK 437076102 233 2,940 SH   SOLE   2,875 0 65
HOME DEPOT INC COM STOCK 437076102 78 983 SH   DFND   0 0 983
HOME DEPOT INC COM STOCK 437076102 679 8,576 SH   OTR   0 0 8,576
INTEL CORP COM STOCK 458140100 255 9,895 SH   SOLE   9,786 0 109
INTEL CORP COM STOCK 458140100 408 15,794 SH   DFND   0 0 15,794
INTEL CORP COM STOCK 458140100 212 8,226 SH   OTR   0 0 8,226
INTERNATIONAL BUSINESS MACHS C STOCK 459200101 659 3,425 SH   SOLE   3,379 0 46
INTERNATIONAL BUSINESS MACHS C STOCK 459200101 566 2,939 SH   DFND   0 0 2,939
INTERNATIONAL BUSINESS MACHS C STOCK 459200101 793 4,119 SH   OTR   0 0 4,119
JOHNSON & JOHNSON COM STOCK 478160104 1,381 14,055 SH   SOLE   13,934 0 121
JOHNSON & JOHNSON COM STOCK 478160104 792 8,061 SH   DFND   0 0 8,061
JOHNSON & JOHNSON COM STOCK 478160104 467 4,757 SH   OTR   0 0 4,757
JPMORGAN CHASE & CO COM STOCK 46625H100 210 3,463 SH   SOLE   3,331 0 132
JPMORGAN CHASE & CO COM STOCK 46625H100 535 8,806 SH   DFND   0 0 8,806
JPMORGAN CHASE & CO COM STOCK 46625H100 249 4,099 SH   OTR   0 0 4,099
KIMBERLY CLARK CORP COM STOCK 494368103 705 6,392 SH   SOLE   6,371 0 21
KIMBERLY CLARK CORP COM STOCK 494368103 326 2,954 SH   DFND   0 0 2,954
KIMBERLY CLARK CORP COM STOCK 494368103 10 90 SH   OTR   0 0 90
KINDER MORGAN INC DEL COM STOCK 49456B101 137 4,225 SH   SOLE   2,575 0 1,650
KINDER MORGAN INC DEL COM STOCK 49456B101 920 28,320 SH   DFND   2,470 0 26,365
KINDER MORGAN INC DEL COM STOCK 49456B101 8 253 SH   OTR   0 0 253
KKR & CO L P DEL COM UNITS STOCK 48248M102 206 9,000 SH   OTR   0 0 9,000
KRAFT FOODS GROUP INC COM STOCK 50076Q106 230 4,092 SH   SOLE   4,055 0 37
KRAFT FOODS GROUP INC COM STOCK 50076Q106 75 1,328 SH   DFND   0 0 1,328
KRAFT FOODS GROUP INC COM STOCK 50076Q106 52 928 SH   OTR   0 0 928
LAS VEGAS SANDS CORP COM STOCK 517834107 9 115 SH   DFND   0 0 115
LAS VEGAS SANDS CORP COM STOCK 517834107 248 3,073 SH   OTR   0 0 3,073
LAUDER ESTEE COS INC CL A STOCK 518439104 114 1,700 SH   SOLE   1,700 0 0
LAUDER ESTEE COS INC CL A STOCK 518439104 14 208 SH   DFND   0 0 208
LAUDER ESTEE COS INC CL A STOCK 518439104 100 1,500 SH   OTR   0 0 1,500
LIBERTY MEDIA CORP DELAWARE CL STOCK 531229102 2 14 SH   SOLE   14 0 0
LIBERTY MEDIA CORP DELAWARE CL STOCK 531229102 202 1,545 SH   OTR   0 0 1,545
LILLY ELI & CO COM STOCK 532457108 24 415 SH   SOLE   371 0 44
LILLY ELI & CO COM STOCK 532457108 327 5,555 SH   DFND   0 0 5,555
LILLY ELI & CO COM STOCK 532457108 10 166 SH   OTR   0 0 166
LOEWS CORP COM STOCK 540424108 1 33 SH   SOLE   0 0 33
LOEWS CORP COM STOCK 540424108 1 32 SH   DFND   0 0 32
LOEWS CORP COM STOCK 540424108 8,933 202,800 SH   OTR   0 0 202,800
MACATAWA BK CORP COM STOCK 554225102 5 1,041 SH   SOLE   1,041 0 0
MACATAWA BK CORP COM STOCK 554225102 63 12,541 SH   DFND   0 0 12,541
MANULIFE FINL CORP COM STOCK 56501R106 199 10,316 SH   SOLE   10,316 0 0
MANULIFE FINL CORP COM STOCK 56501R106 9 474 SH   DFND   0 0 474
MCDONALDS CORP COM STOCK 580135101 208 2,119 SH   SOLE   2,102 0 17
MCDONALDS CORP COM STOCK 580135101 350 3,570 SH   DFND   0 0 3,570
MCDONALDS CORP COM STOCK 580135101 118 1,202 SH   OTR   0 0 1,202
MERCK & CO INC NEW COM STOCK 58933Y105 666 11,723 SH   SOLE   11,605 0 118
MERCK & CO INC NEW COM STOCK 58933Y105 557 9,805 SH   DFND   0 0 9,805
MERCK & CO INC NEW COM STOCK 58933Y105 448 7,900 SH   OTR   0 0 7,900
METLIFE INC COM STOCK 59156R108 9 172 SH   SOLE   123 0 49
METLIFE INC COM STOCK 59156R108 201 3,814 SH   DFND   0 0 3,814
METLIFE INC COM STOCK 59156R108 39 740 SH   OTR   0 0 740
MICROSOFT CORP COM STOCK 594918104 298 7,275 SH   SOLE   6,982 0 293
MICROSOFT CORP COM STOCK 594918104 592 14,441 SH   DFND   0 0 14,441
MICROSOFT CORP COM STOCK 594918104 341 8,319 SH   OTR   0 0 8,319
MONDELEZ INTL INC CL A STOCK 609207105 333 9,640 SH   SOLE   9,566 0 74
MONDELEZ INTL INC CL A STOCK 609207105 22 648 SH   DFND   0 0 648
MONDELEZ INTL INC CL A STOCK 609207105 69 2,000 SH   OTR   0 0 2,000
MONSANTO CO NEW COM STOCK 61166W101 262 2,304 SH   SOLE   2,281 0 23
MONSANTO CO NEW COM STOCK 61166W101 325 2,859 SH   DFND   0 0 2,859
MONSANTO CO NEW COM STOCK 61166W101 193 1,700 SH   OTR   0 0 1,700
NATIONAL FUEL GAS CO N J COM STOCK 636180101 703 10,043 SH   SOLE   5,059 0 4,985
NATIONAL FUEL GAS CO N J COM STOCK 636180101 349 4,985 SH   DFND   4,985 0 4,985
NEONODE INC COM NEW STOCK 64051M402 60 10,521 SH   SOLE   10,521 0 0
NESTLE S A SHS NOM NEW STOCK H57312649 449 5,971 SH   OTR   0 0 5,971
NESTLE S A SPONSORED ADR STOCK 641069406 76 1,006 SH   SOLE   1,006 0 0
NESTLE S A SPONSORED ADR STOCK 641069406 66 878 SH   DFND   0 0 878
NESTLE S A SPONSORED ADR STOCK 641069406 132 1,749 SH   OTR   0 0 1,749
NEXTERA ENERGY INC COM STOCK 65339F101 50 518 SH   SOLE   497 0 21
NEXTERA ENERGY INC COM STOCK 65339F101 277 2,898 SH   DFND   0 0 2,898
NEXTERA ENERGY INC COM STOCK 65339F101 124 1,300 SH   OTR   0 0 1,300
NIKE INC CL B STOCK 654106103 188 2,542 SH   SOLE   2,512 0 30
NIKE INC CL B STOCK 654106103 43 582 SH   DFND   0 0 582
NOVARTIS A G SPONSORED ADR STOCK 66987V109 105 1,234 SH   SOLE   1,234 0 0
NOVARTIS A G SPONSORED ADR STOCK 66987V109 71 837 SH   DFND   0 0 837
NOVARTIS A G SPONSORED ADR STOCK 66987V109 85 1,000 SH   OTR   0 0 1,000
ORACLE CORP COM STOCK 68389X105 73 1,791 SH   SOLE   1,654 0 137
ORACLE CORP COM STOCK 68389X105 24 595 SH   DFND   0 0 595
ORACLE CORP COM STOCK 68389X105 361 8,836 SH   OTR   0 0 8,836
PAYCHEX INC COM STOCK 704326107 150 3,523 SH   SOLE   3,500 0 23
PAYCHEX INC COM STOCK 704326107 1 24 SH   DFND   0 0 24
PAYCHEX INC COM STOCK 704326107 191 4,477 SH   OTR   0 0 4,477
PEPSICO INC COM STOCK 713448108 2,821 33,783 SH   SOLE   30,122 0 3,661
PEPSICO INC COM STOCK 713448108 697 8,349 SH   DFND   3,596 0 8,349
PEPSICO INC COM STOCK 713448108 377 4,515 SH   OTR   0 0 4,515
PFIZER INC COM STOCK 717081103 854 26,583 SH   SOLE   26,263 0 320
PFIZER INC COM STOCK 717081103 164 5,096 SH   DFND   0 0 5,096
PFIZER INC COM STOCK 717081103 394 12,261 SH   OTR   0 0 12,261
PHILIP MORRIS INTL INC COM STOCK 718172109 628 7,669 SH   SOLE   7,632 0 37
PHILIP MORRIS INTL INC COM STOCK 718172109 330 4,035 SH   DFND   0 0 4,035
PHILIP MORRIS INTL INC COM STOCK 718172109 196 2,400 SH   OTR   0 0 2,400
PHILLIPS 66 COM STOCK 718546104 130 1,689 SH   SOLE   1,679 0 10
PHILLIPS 66 COM STOCK 718546104 101 1,306 SH   DFND   0 0 1,306
PHILLIPS 66 COM STOCK 718546104 39 500 SH   OTR   0 0 500
PIZZA INN HOLDINGS INC COM STOCK 725846109 60 10,000 SH   SOLE   10,000 0 0
PROCTER & GAMBLE CO COM STOCK 742718109 1,223 15,176 SH   SOLE   15,076 0 100
PROCTER & GAMBLE CO COM STOCK 742718109 510 6,323 SH   DFND   0 0 6,323
PROCTER & GAMBLE CO COM STOCK 742718109 407 5,053 SH   OTR   0 0 5,053
QCR HOLDINGS INC COM STOCK 74727A104 195 11,339 SH   DFND   0 0 11,339
QUALCOMM INC COM STOCK 747525103 75 954 SH   SOLE   890 0 64
QUALCOMM INC COM STOCK 747525103 195 2,470 SH   DFND   0 0 2,470
QUALCOMM INC COM STOCK 747525103 315 3,990 SH   OTR   0 0 3,990
RAYTHEON CO COM NEW STOCK 755111507 200 2,021 SH   SOLE   2,000 0 21
RAYTHEON CO COM NEW STOCK 755111507 241 2,441 SH   DFND   0 0 2,441
RELIANCE BANCSHARES INC COM STOCK 759450109 65 32,271 SH   SOLE   32,271 0 0
ROCK-TENN CO CL A STOCK 772739207 547 5,181 SH   OTR   0 0 5,181
ROYAL DUTCH SHELL PLC STOCK 131004202 631 8,635 SH   SOLE   8,635 0 0
ROYAL DUTCH SHELL PLC STOCK 131004202 11 151 SH   DFND   0 0 151
SCHLUMBERGER LTD COM STOCK 806857108 605 6,208 SH   SOLE   6,145 0 63
SCHLUMBERGER LTD COM STOCK 806857108 93 951 SH   DFND   0 0 951
SCHLUMBERGER LTD COM STOCK 806857108 166 1,698 SH   OTR   0 0 1,698
SIBONEY CORP COM STOCK 825791106 0 110,000 SH   SOLE   110,000 0 0
SOUTHERN CO COM STOCK 842587107 180 4,105 SH   SOLE   4,105 0 0
SOUTHERN CO COM STOCK 842587107 3 77 SH   DFND   0 0 77
SOUTHERN CO COM STOCK 842587107 95 2,161 SH   OTR   0 0 2,161
SYNOVUS FINL CORP COM STOCK 87161C105 102 30,000 SH   DFND   0 0 30,000
TARGET CORP COM STOCK 87612E106 232 3,830 SH   SOLE   3,796 0 34
TARGET CORP COM STOCK 87612E106 11 189 SH   DFND   0 0 189
TARGET CORP COM STOCK 87612E106 41 670 SH   OTR   0 0 670
TEXAS INSTRS INC COM STOCK 882508104 64 1,361 SH   SOLE   1,290 0 71
TEXAS INSTRS INC COM STOCK 882508104 15 315 SH   DFND   0 0 315
TEXAS INSTRS INC COM STOCK 882508104 244 5,166 SH   OTR   0 0 5,166
THERMO FISHER SCIENTIFIC INC C STOCK 883556102 1,584 13,176 SH   SOLE   13,150 0 26
THERMO FISHER SCIENTIFIC INC C STOCK 883556102 19 161 SH   DFND   0 0 161
TJX COS INC NEW COM STOCK 872540109 109 1,799 SH   SOLE   1,764 0 35
TJX COS INC NEW COM STOCK 872540109 110 1,819 SH   DFND   0 0 1,819
TJX COS INC NEW COM STOCK 872540109 408 6,732 SH   OTR   0 0 6,732
TRAVELERS COMPANIES INC COM STOCK 89417E109 84 986 SH   SOLE   964 0 22
TRAVELERS COMPANIES INC COM STOCK 89417E109 201 2,363 SH   DFND   0 0 2,363
UNILEVER N V N Y SHS NEW STOCK 904784709 205 4,978 SH   DFND   0 0 4,978
UNION PAC CORP COM STOCK 907818108 1,511 8,050 SH   SOLE   8,029 0 21
UNION PAC CORP COM STOCK 907818108 26 140 SH   DFND   0 0 140
UNION PAC CORP COM STOCK 907818108 57 306 SH   OTR   0 0 306
UNITED TECHNOLOGIES CORP COM STOCK 913017109 597 5,110 SH   SOLE   5,087 0 23
UNITED TECHNOLOGIES CORP COM STOCK 913017109 202 1,727 SH   DFND   0 0 1,727
UNITED TECHNOLOGIES CORP COM STOCK 913017109 339 2,902 SH   OTR   0 0 2,902
UNITEDHEALTH GROUP INC COM STOCK 91324P102 5 58 SH   SOLE   0 0 58
UNITEDHEALTH GROUP INC COM STOCK 91324P102 14 174 SH   DFND   0 0 174
UNITEDHEALTH GROUP INC COM STOCK 91324P102 335 4,088 SH   OTR   0 0 4,088
US BANCORP DEL COM NEW STOCK 902973304 255 5,939 SH   SOLE   5,868 0 71
US BANCORP DEL COM NEW STOCK 902973304 111 2,590 SH   DFND   0 0 2,590
VALLEY FINL CORP VA COM STOCK 919629105 164 14,631 SH   DFND   0 0 14,631
VERIZON COMMUNICATIONS INC COM STOCK 92343V104 762 16,021 SH   SOLE   15,885 0 136
VERIZON COMMUNICATIONS INC COM STOCK 92343V104 86 1,810 SH   DFND   0 0 1,810
VERIZON COMMUNICATIONS INC COM STOCK 92343V104 232 4,886 SH   OTR   0 0 4,886
VISA INC COM CL A STOCK 92826C839 75 346 SH   SOLE   325 0 21
VISA INC COM CL A STOCK 92826C839 580 2,689 SH   DFND   0 0 2,689
VODAFONE GROUP PLC NEW SPONS A STOCK 92857W209 16 436 SH   SOLE   436 0 0
VODAFONE GROUP PLC NEW SPONS A STOCK 92857W209 223 6,053 SH   DFND   0 0 6,053
VODAFONE GROUP PLC NEW SPONS A STOCK 92857W209 30 818 SH   OTR   0 0 818
WAL-MART STORES INC COM STOCK 931142103 2,375 31,073 SH   SOLE   30,988 0 85
WAL-MART STORES INC COM STOCK 931142103 200 2,614 SH   DFND   0 0 2,614
WAL-MART STORES INC COM STOCK 931142103 393 5,140 SH   OTR   0 0 5,140
WALGREEN CO COM STOCK 931422109 456 6,901 SH   SOLE   6,872 0 29
WALGREEN CO COM STOCK 931422109 116 1,750 SH   DFND   0 0 1,750
WALGREEN CO COM STOCK 931422109 197 2,985 SH   OTR   0 0 2,985
WELLS FARGO & CO NEW COM STOCK 949746101 112 2,256 SH   SOLE   2,017 0 239
WELLS FARGO & CO NEW COM STOCK 949746101 225 4,532 SH   DFND   0 0 4,532
WELLS FARGO & CO NEW COM STOCK 949746101 57 1,140 SH   OTR   0 0 1,140
WISCONSIN ENERGY CORP COM STOCK 976657106 982 21,097 SH   SOLE   21,060 0 37
WISCONSIN ENERGY CORP COM STOCK 976657106 1 19 SH   DFND   0 0 19
YUM BRANDS INC COM STOCK 988498101 191 2,540 SH   SOLE   2,519 0 21
YUM BRANDS INC COM STOCK 988498101 72 949 SH   DFND   0 0 949
ROYAL DUTCH SHELL PLC ADR B ADR 780259107 8 100 SH   SOLE   100 0 0
ROYAL DUTCH SHELL PLC ADR B ADR 780259107 231 2,960 SH   DFND   0 0 2,960