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 90 750 SH   DFND   0 0 750
3M CO COM 88579Y101 844 7,071 SH   SOLE   0 0 7,071
ABBOTT LABS COM 002824100 139 4,175 SH   DFND   0 0 4,175
ABBOTT LABS COM 002824100 612 18,452 SH   SOLE   0 0 18,452
ABBVIE INC COM 00287Y109 187 4,175 SH   DFND   0 0 4,175
ABBVIE INC COM 00287Y109 60 1,350 SH   SOLE   0 0 1,350
AIR PRODS & CHEMS INC COM 009158106 308 2,890 SH   DFND   0 0 2,890
AMERICAN EXPRESS CO COM 025816109 128 1,700 SH   DFND   0 0 1,700
AMERICAN EXPRESS CO COM 025816109 607 8,033 SH   SOLE   0 0 8,033
AMERICAN TOWER CORP NEW COM 03027X100 205 2,765 SH   DFND   0 0 2,765
APPLE INC COM 037833100 1,183 2,481 SH   DFND   0 0 2,481
APPLE INC. COM 037833100 613 1,285 SH   SOLE   0 0 1,285
AT&T INC COM 00206R102 421 12,460 SH   DFND   0 0 12,460
AT&T INC COM 00206R102 1,004 29,684 SH   SOLE   0 0 29,684
AUTOMATIC DATA PROCESSING INC COM 053015103 38 525 SH   DFND   0 0 525
AUTOMATIC DATA PROCESSING INC COM 053015103 51 700 SH   SOLE   0 0 700
BECTON DICKINSON & CO COM 075887109 400 4,000 SH   DFND   0 0 4,000
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 346 3,050 SH   DFND   0 0 3,050
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 57 500 SH   SOLE   0 0 500
BOEING CO COM 097023105 256 2,177 SH   DFND   0 0 2,177
BRISTOL MYERS SQUIBB CO COM 110122108 495 10,692 SH   DFND   0 0 10,692
BROADCOM CORP CL A 111320107 111 4,260 SH   DFND   0 0 4,260
BUCKEYE PARTNERS LP UNIT LTD PARTN 118230101 293 4,465 SH   DFND   0 0 4,465
CATERPILLAR INC DEL COM 149123101 157 1,880 SH   DFND   0 0 1,880
CATERPILLAR INC DEL COM 149123101 601 7,204 SH   SOLE   0 0 7,204
CHEVRON CORP NEW COM 166764100 53 435 SH   DFND   0 0 435
CHEVRON CORP NEW COM 166764100 243 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 1,009 26,649 SH   SOLE   0 0 26,649
COLGATE PALMOLIVE CO COM 194162103 457 7,700 SH   DFND   0 0 7,700
COLGATE PALMOLIVE CO COM 194162103 847 14,279 SH   SOLE   0 0 14,279
CONOCOPHILLIPS COM 20825C104 442 6,360 SH   DFND   0 0 6,360
COSTCO WHSL CORP NEW COM 22160K105 282 2,445 SH   DFND   0 0 2,445
CVS CAREMARK CORPORATION COM 126650100 565 9,959 SH   DFND   0 0 9,959
DEERE & CO COM 244199105 581 7,141 SH   SOLE   0 0 7,141
DISCOVER INL SVCS COM 254709108 138 2,730 SH   DFND   0 0 2,730
DU PONT E I DE NEMOURS & CO COM 263534109 850 14,511 SH   SOLE   0 0 14,511
EMC CORP MASS COM 268648102 384 15,030 SH   DFND   0 0 15,030
EMERSON ELEC CO COM 291011104 504 7,783 SH   DFND   0 0 7,783
EMERSON ELEC CO COM 291011104 650 10,044 SH   SOLE   0 0 10,044
EXXON MOBIL CORP COM 30231G102 854 9,924 SH   DFND   0 0 9,924
EXXON MOBIL CORP COM 30231G102 936 10,883 SH   SOLE   0 0 10,883
GENERAL ELECTRIC CO COM 369604103 135 5,647 SH   DFND   0 0 5,647
GENERAL ELECTRIC CO COM 369604103 48 2,000 SH   SOLE   0 0 2,000
GENERAL MLS INC COM 370334104 11 230 SH   DFND   0 0 230
GENUINE PARTS CO COM 372460105 174 2,155 SH   DFND   0 0 2,155
GILEAD SCIENCES INC COM 375558103 354 5,632 SH   DFND   0 0 5,632
GOOGLE INC CL A 38259P508 202 231 SH   DFND   0 0 231
HOME DEPOT INC COM 437076102 27 350 SH   DFND   0 0 350
HOME DEPOT INC COM 437076102 265 3,500 SH   SOLE   0 0 3,500
INTEL CORP COM 458140100 26 1,155 SH   DFND   0 0 1,155
INTEL CORP COM 458140100 69 3,000 SH   SOLE   0 0 3,000
INTERNATIONAl BUSINESS MACHS COM 459200101 273 1,475 SH   DFND   0 0 1,475
INTERNATIONAl BUSINESS MACHS COM 459200101 970 5,236 SH   SOLE   0 0 5,236
ISHARES INC MSCI CDA INDEX 464286509 1,051 37,110 SH   DFND   37,110 0 0
ISHARES TR RUSSELL1000VAL 464287598 2,947 34,191 SH   DFND   0 0 34,191
ISHARES TR RUSSELL1000GRW 464287614 2,227 28,473 SH   DFND   0 0 28,473
ISHARES TR RUSL 2000 VALU 464287630 417 4,545 SH   DFND   0 0 4,545
ISHARES TR MSCI GRW IDX 464288885 222 3,265 SH   DFND   0 0 3,265
ISHARES TR EAFE MIN VOLAT 46429B689 926 15,200 SH   DFND   15,200 0 0
ISHARES TR USA MIN VOL ID 46429B697 3,780 113,755 SH   DFND   0 0 113,755
JOHNSON & JOHNSON COM 478160104 1,221 14,081 SH   DFND   0 0 14,081
JOHNSON & JOHNSON COM 478160104 960 11,077 SH   SOLE   0 0 11,077
JPMORGAN CHASE & CO COM 46625H100 347 6,721 SH   DFND   0 0 6,721
JPMORGAN CHASE & CO COM 46625H100 103 2,000 SH   SOLE   0 0 2,000
JPMORGAN CHASE & CO ALERIAN ML ETN 46625H365 592 13,280 SH   DFND   0 0 13,280
KIMBERLY CLARK CORP COM 494368103 888 9,429 SH   DFND   0 0 9,429
LOWES COS INC COM 548661107 188 3,940 SH   DFND   0 0 3,940
LOWES COS INC COM 548661107 48 1,000 SH   SOLE   0 0 1,000
MASTERCARD INC CL A 57636Q104 256 380 SH   DFND   0 0 380
MC DONALDS CORP COM 580135101 587 6,102 SH   SOLE   0 0 6,102
MCDONALDS CORP COM 580135101 339 3,527 SH   DFND   0 0 3,527
MEDTRONIC INC COM 585055106 236 4,426 SH   DFND   0 0 4,426
MEDTRONIC INC COM 585055106 652 12,253 SH   SOLE   0 0 12,253
MERCK & CO INC NEW COM COM 58933Y105 314 6,599 SH   DFND   0 0 6,599
MERCK & CO INC NEW COM COM 58933Y105 27 576 SH   SOLE   0 0 576
MICROSOFT CORP COM 594918104 112 3,376 SH   DFND   0 0 3,376
MICROSOFT CORP COM 594918104 716 21,525 SH   SOLE   0 0 21,525
NIKE INC CL B 654106103 200 2,760 SH   DFND   0 0 2,760
NORTHERN TR CORP COM 665859104 443 8,139 SH   DFND   0 0 8,139
NOVARTIS A G SPONSORED ADR 66987V109 627 8,175 SH   SOLE   0 0 8,175
NOVARTIS A G SPONSORED ADR 66987V109 407 5,310 SH   DFND   0 0 5,310
NUVEEN MTG OPPORTUNITY TERM COM 670735109 347 14,608 SH   DFND   0 0 14,608
PEPSICO INC COM 713448108 653 8,210 SH   DFND   0 0 8,210
PEPSICO INC COM 713448108 199 2,500 SH   SOLE   0 0 2,500
PFIZER INC COM 717081103 124 4,316 SH   DFND   0 0 4,316
PFIZER INC COM 717081103 57 2,000 SH   SOLE   0 0 2,000
PIMCO ETF TR ENHAN SHRT MAT 72201R833 1,575 15,535 SH   DFND   0 0 15,535
POWERSHARES ETF TRUST II SENIOR LN PORT 73936Q769 369 14,935 SH   DFND   0 0 14,935
POWERSHARES ETF TRUST II S&P500 LOW VOL 73937B779 191 6,126 SH   DFND   0 0 6,126
POWERSHARES QQQ TRUST UNIT SER 1 73935A104 789 10,000 SH   SOLE   0 0 10,000
PRECISION CASTPARTS CORP COM 740189105 352 1,550 SH   DFND   0 0 1,550
PRICE T ROWE GROUP INC COM 74144T108 286 3,970 SH   DFND   0 0 3,970
PROCTER & GAMBLE CO COM 742718109 889 11,765 SH   DFND   0 0 11,765
PROCTER & GAMBLE CO COM 742718109 827 10,941 SH   SOLE   0 0 10,941
PRUDENTIAL FINL INC COM 744320102 311 3,990 SH   DFND   0 0 3,990
QUALCOMM INC COM 747525103 284 4,220 SH   DFND   0 0 4,220
QUALCOMM INC COM 747525103 67 1,000 SH   SOLE   0 0 1,000
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 601 9,149 SH   SOLE   0 0 9,149
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 49 749 SH   DFND   0 0 749
SCHLUMBERGER LTD COM 806857108 452 5,110 SH   DFND   0 0 5,110
SCHLUMBERGER LTD COM 806857108 762 8,622 SH   SOLE   0 0 8,622
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 199 10,000 SH   SOLE   0 0 10,000
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 302 2,000 SH   SOLE   0 0 2,000
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,997 11,877 SH   SOLE   0 0 11,877
SPDR SERIES TRUST S&P DIVID ETF 78464A763 1,423 20,648 SH   DFND   0 0 20,648
SYSCO CORP COM 871829107 285 8,953 SH   DFND   0 0 8,953
TARGET CORP COM 87612E106 147 2,290 SH   DFND   0 0 2,290
TARGET CORP COM 87612E106 64 1,000 SH   SOLE   0 0 1,000
TEXAS INSTRS INC COM 882508104 259 6,430 SH   DFND   0 0 6,430
TRAVELERS COMPANIES INC COM 89417E109 602 7,096 SH   DFND   0 0 7,096
UNILEVER PLC SPON ADR NEW 904767704 571 14,796 SH   SOLE   0 0 14,796
UNION PAC CORP COM 907818108 311 2,000 SH   DFND   0 0 2,000
UNITED TECHNOLOGIES CORP COM 913017109 32 293 SH   DFND   0 0 293
UNITED TECHNOLOGIES CORP COM 913017109 702 6,510 SH   SOLE   0 0 6,510
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 2,899 35,838 SH   DFND   0 0 35,838
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 626 6,300 SH   DFND   0 0 6,300
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 6,715 96,470 SH   DFND   0 0 96,470
VERIZON COMMUNICATIONS INC COM 92343V104 305 6,525 SH   DFND   0 0 6,525
VERIZON COMMUNICATIONS INC COM 92343V104 140 3,000 SH   SOLE   0 0 3,000
WAL-MART STORES INC COM 931142103 661 8,935 SH   SOLE   0 0 8,935
WALT DISNEY CO COM DISNEY 254687106 398 6,176 SH   DFND   0 0 6,176
WALT DISNEY CO COM DISNEY 254687106 606 9,393 SH   SOLE   0 0 9,393
WASH TRUST BANCORP COM 940610108 2,860 91,000 SH   SOLE   0 0 91,000
WELLS FARGO & CO NEW COM 949746101 191 4,611 SH   DFND   0 0 4,611
WELLS FARGO & CO NEW COM 949746101 124 3,000 SH   SOLE   0 0 3,000