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
3M CO COM 88579Y101 82 750 SH   DFND   0 0 750
3M CO COM 88579Y101 395 3,616 SH   SOLE   0 0 3,616
ABBOTT LABS COM 002824100 146 4,175 SH   DFND   0 0 4,175
ABBOTT LABS COM 002824100 247 7,084 SH   SOLE   0 0 7,084
ABBVIE INC COM 00287Y109 173 4,175 SH   DFND   0 0 4,175
ABBVIE INC COM 00287Y109 56 1,350 SH   SOLE   0 0 1,350
AIR PRODS & CHEMS INC COM 009158106 265 2,890 SH   DFND   0 0 2,890
AMERICAN EXPRESS CO COM 025816109 127 1,700 SH   DFND   0 0 1,700
AMERICAN EXPRESS CO COM 025816109 198 2,650 SH   SOLE   0 0 2,650
AMERICAN TOWER CORP NEW COM 03027X100 202 2,765 SH   DFND   0 0 2,765
APPLE INC COM 037833100 1,764 4,448 SH   DFND   0 0 4,448
APPLE INC COM 037833100 182 458 SH   SOLE   0 0 458
AT&T INC COM 00206R102 441 12,460 SH   DFND   0 0 12,460
AT&T INC COM 00206R102 645 18,209 SH   SOLE   0 0 18,209
BECTON DICKINSON AND CO COM 075887109 395 4,000 SH   DFND   0 0 4,000
BERKSHIRE HATHAWAY INC B CL B NEW 084670702 341 3,050 SH   DFND   0 0 3,050
BERKSHIRE HATHAWAY INC B CL B NEW 084670702 56 500 SH   SOLE   0 0 500
BHP BILLITON LTD SPONSORED ADR 088606108 39 675 SH   DFND   0 0 675
BOEING CO COM 097023105 223 2,177 SH   DFND   0 0 2,177
BRISTOL MYERS SQUIBB CO COM 110122108 478 10,692 SH   DFND   0 0 10,692
BROADCOM CORP COM 111320107 144 4,260 SH   DFND   0 0 4,260
BUCKEYE PARTNERS LP UNIT LTD PARTN 118230101 313 4,465 SH   DFND   0 0 4,465
CATERPILLAR INC DEL COM 149123101 155 1,880 SH   DFND   0 0 1,880
CATERPILLAR INC DEL COM 149123101 196 2,380 SH   SOLE   0 0 2,380
CHEVRON CORP NEW COM 166764100 51 435 SH   DFND   0 0 435
CHEVRON CORP NEW COM 166764100 237 2,000 SH   SOLE   0 0 2,000
COCA COLA CO COM 191216100 13 336 SH   DFND   0 0 336
COCA COLA CO COM 191216100 662 16,502 SH   SOLE   0 0 16,502
COLGATE PALMOLIVE CO COM 194162103 441 7,700 SH   DFND   0 0 7,700
COLGATE PALMOLIVE CO COM 194162103 433 7,554 SH   SOLE   0 0 7,554
CONOCOPHILLIPS COM 20825C104 385 6,360 SH   DFND   0 0 6,360
COSTCO WHSL CORP NEW COM 22160K105 270 2,445 SH   DFND   0 0 2,445
CVS CAREMARK CORPORATION COM 126650100 569 9,959 SH   DFND   0 0 9,959
DEERE & CO COM 244199105 19 230 SH   DFND   0 0 230
DEERE & CO COM 244199105 191 2,348 SH   SOLE   0 0 2,348
DU PONT E I DE NEMOURS & CO COM 263534109 402 7,651 SH   SOLE   0 0 7,651
EMC CORP MASS COM 268648102 355 15,030 SH   DFND   0 0 15,030
EMERSON ELECTRIC CO COM 291011104 424 7,783 SH   DFND   0 0 7,783
EMERSON ELECTRIC CO COM 291011104 193 3,543 SH   SOLE   0 0 3,543
EXXON MOBIL CORP COM 30231G102 897 9,924 SH   DFND   0 0 9,924
EXXON MOBIL CORP COM 30231G102 601 6,656 SH   SOLE   0 0 6,656
GILEAD SCIENCES INC COM 375558103 289 5,632 SH   DFND   0 0 5,632
GOOGLE INC CL A 38259P508 203 231 SH   DFND   0 0 231
HOME DEPOT INC COM 437076102 27 350 SH   DFND   0 0 350
HOME DEPOT INC COM 437076102 271 3,500 SH   SOLE   0 0 3,500
INTERNATIONAL BUSINESS MACHS COM 459200101 282 1,475 SH   DFND   0 0 1,475
INTERNATIONAL BUSINESS MACHS COM 459200101 593 3,104 SH   SOLE   0 0 3,104
ISHARES INC MSCI CDA INDEX 464286509 970 37,110 SH   DFND   37,110 0 0
ISHARES TR EAFE MIN VOLAT 46429B689 869 15,200 SH   DFND   15,200 0 0
ISHARES TR USA MIN VOL ID 46429B697 2,506 76,935 SH   DFND   0 0 76,935
ISHARES TR RUSSELL1000GRW 464287614 1,931 26,552 SH   DFND   0 0 26,552
ISHARES TR RUSSELL1000VAL 464287598 2,226 26,566 SH   DFND   0 0 26,566
ISHARES TR RUSL 2000 VALU 464287630 390 4,545 SH   DFND   0 0 4,545
JOHNSON & JOHNSON COM 478160104 1,226 14,281 SH   DFND   0 0 14,281
JOHNSON & JOHNSON COM 478160104 572 6,664 SH   SOLE   0 0 6,664
JP MORGAN CHASE & CO ALERIAN ML ETN 46625H365 619 13,280 SH   DFND   0 0 13,280
JP MORGAN CHASE & CO COM 46625H100 355 6,721 SH   DFND   0 0 6,721
JP MORGAN CHASE & CO COM 46625H100 106 2,000 SH   SOLE   0 0 2,000
KIMBERLY CLARK CORP COM 494368103 916 9,429 SH   DFND   0 0 9,429
LOWES COS INC COM 548661107 161 3,940 SH   DFND   0 0 3,940
LOWES COS INC COM 548661107 41 1,000 SH   SOLE   0 0 1,000
MASTERCARD INC CL A 57636Q104 218 380 SH   DFND   0 0 380
MCDONALD'S CORP COM 580135101 349 3,527 SH   DFND   0 0 3,527
MCDONALD'S CORP COM 580135101 199 2,015 SH   SOLE   0 0 2,015
MEDTRONIC INC COM 585055106 228 4,426 SH   DFND   0 0 4,426
MEDTRONIC INC COM 585055106 249 4,836 SH   SOLE   0 0 4,836
MERCK & CO INC NEW COM 58933Y105 361 7,774 SH   DFND   0 0 7,774
MERCK & CO INC NEW COM 58933Y105 27 576 SH   SOLE   0 0 576
MICROSOFT CORP COM 594918104 117 3,376 SH   DFND   0 0 3,376
MICROSOFT CORP COM 594918104 315 9,127 SH   SOLE   0 0 9,127
NORTHERN TR CORP COM 665859104 471 8,139 SH   DFND   0 0 8,139
NOVARTIS AG SPONSORED ADR 66987V109 375 5,310 SH   DFND   0 0 5,310
NOVARTIS AG SPONSORED ADR 66987V109 193 2,728 SH   SOLE   0 0 2,728
NUVEEN MTG OPPORTUNITY TERM COM 670735109 364 14,328 SH   DFND   0 0 14,328
PEPSICO INC COM 713448108 671 8,210 SH   DFND   0 0 8,210
PEPSICO INC COM 713448108 204 2,500 SH   SOLE   0 0 2,500
PIMCO ETF TR ENHAN SHRT MAT 72201R833 1,573 15,535 SH   DFND   0 0 15,535
POWERSHARES ETF TR II S&P500 LOW VOL 73937B779 825 26,496 SH   DFND   0 0 26,496
POWERSHARES ETF TR II SENIOR LN PORT 73936Q769 370 14,935 SH   DFND   0 0 14,935
POWERSHARES QQQ TRUST UNIT SER 1 73935A104 713 10,000 SH   SOLE   0 0 10,000
PRECISION CASTPARTS CORP COM 740189105 350 1,550 SH   DFND   0 0 1,550
PRICE T ROWE GROUP INC COM 74144T108 291 3,970 SH   DFND   0 0 3,970
PROCTER & GAMBLE CO COM 742718109 906 11,765 SH   DFND   0 0 11,765
PROCTER & GAMBLE CO COM 742718109 457 5,939 SH   SOLE   0 0 5,939
PRUDENTIAL FINL INC COM 744320102 291 3,990 SH   DFND   0 0 3,990
QUALCOMM INC COM 747525103 258 4,220 SH   DFND   0 0 4,220
QUALCOMM INC COM 747525103 61 1,000 SH   SOLE   0 0 1,000
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 48 749 SH   DFND   0 0 749
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 192 3,013 SH   SOLE   0 0 3,013
SCHLUMBERGER LTD COM 806857108 366 5,110 SH   DFND   0 0 5,110
SCHLUMBERGER LTD COM 806857108 272 3,791 SH   SOLE   0 0 3,791
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 194 10,000 SH   SOLE   0 0 10,000
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 297 2,000 SH   SOLE   0 0 2,000
SPDR S&P ETF TR TR UNIT 78462F103 1,905 11,877 SH   SOLE   0 0 11,877
SPDR SERIES TRUST S&P DIVID ETF 78464A763 1,345 20,283 SH   DFND   0 0 20,283
SYSCO CORP COM 871829107 306 8,953 SH   DFND   0 0 8,953
TARGET CORP COM 87612E106 158 2,290 SH   DFND   0 0 2,290
TARGET CORP COM 87612E106 69 1,000 SH   SOLE   0 0 1,000
TEXAS INSTRS INC COM 882508104 224 6,430 SH   DFND   0 0 6,430
TRAVELERS COMPANIES INC COM 89417E109 567 7,096 SH   DFND   0 0 7,096
UNION PAC CORP COM 907818108 309 2,000 SH   DFND   0 0 2,000
UNITED TECHNOLOGIES CORP COM 913017109 27 293 SH   DFND   0 0 293
UNITED TECHNOLOGIES CORP COM 913017109 245 2,636 SH   SOLE   0 0 2,636
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 2,807 34,701 SH   DFND   0 0 34,701
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1,635 36,980 SH   DFND   0 0 36,980
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 562 6,300 SH   DFND   0 0 6,300
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 5,732 86,587 SH   DFND   0 0 86,587
VERIZON COMMUNICATIONS INC COM 92343V104 328 6,525 SH   DFND   0 0 6,525
VERIZON COMMUNICATIONS INC COM 92343V104 151 3,000 SH   SOLE   0 0 3,000
WAL-MART STORES INC COM 931142103 272 3,646 SH   SOLE   0 0 3,646
WALT DISNEY CO COM DISNEY 254687106 390 6,176 SH   DFND   0 0 6,176
WALT DISNEY CO COM DISNEY 254687106 198 3,143 SH   SOLE   0 0 3,143
WASHINGTON TR BANCORP COM 940610108 2,595 91,000 SH   SOLE   0 0 91,000
WELLS FARGO & CO NEW COM 949746101 190 4,611 SH   DFND   0 0 4,611
WELLS FARGO & CO NEW COM 949746101 124 3,000 SH   SOLE   0 0 3,000
WISDOMTREE TRUST DEFA FD 97717W703 435 9,445 SH   DFND   0 0 9,445