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 COM 00206R102 653 18,447 SH   DFND   18,382 0 65
ABBOTT LABORATORIES COM 002824100 398 11,412 SH   DFND   11,372 0 40
ABBVIE INC COM 00287Y109 429 10,372 SH   SOLE   10,372 0 0
APPLE INC COM 037833100 820 2,068 SH   DFND   2,058 0 10
BANK OF AMERICA CORP COM 060505104 1,004 78,086 SH   DFND   77,746 0 340
BERKSHIRE HATHAWAY INC CLASS B COM 084670702 909 8,125 SH   DFND   8,075 0 50
BRISTOL-MYERS SQUIBB CO COM 110122108 690 15,430 SH   DFND   15,355 0 75
CHEVRON CORP NEW COM 166764100 722 6,100 SH   DFND   6,070 0 30
CHUBB CORP COM 171232101 795 9,395 SH   DFND   9,345 0 50
DTE ENERGY CO COM 233331107 626 9,346 SH   SOLE   9,346 0 0
DIAGEO PLC - SPONSORED ADR COM 25243Q205 832 7,239 SH   DFND   7,199 0 40
EMERSON ELECTRIC COMPANY COM 291011104 684 12,535 SH   DFND   12,455 0 80
ENERGY TRANSFER PARTNERS LP COM 29273R109 649 12,850 SH   DFND   12,800 0 50
FLUOR CORP (NEW) COM 343412102 725 12,230 SH   DFND   12,170 0 60
GENERAL ELECTRIC COMPANY COM 369604103 671 28,938 SH   DFND   28,868 0 70
HONEYWELL INTERNATIONAL INC COM 438516106 991 12,495 SH   SOLE   12,495 0 0
INTEL CORPORATION COM 458140100 868 35,827 SH   DFND   35,702 0 125
INTERNATIONAL BUSINESS MACHINE COM 459200101 618 3,236 SH   SOLE   3,236 0 0
JPMORGAN CHASE& CO COM 46625H100 953 18,053 SH   DFND   17,953 0 100
JOHNSON& JOHNSON COM 478160104 1,044 12,160 SH   DFND   12,100 0 60
KIMBERLY CLARK COM 494368103 774 7,973 SH   DFND   7,933 0 40
KRAFT FOODS GROUP INC COM 50076Q106 340 6,086 SH   SOLE   6,086 0 0
MICROSOFT CORP COM 594918104 622 18,002 SH   DFND   17,877 0 125
MONDELEZ INTERNATIONAL INC COM 609207105 481 16,875 SH   SOLE   16,875 0 0
NESTLE SA SPNSRD ADR REP RG SH COM 641069406 716 10,881 SH   DFND   10,821 0 60
PFIZER INC COM 717081103 745 26,604 SH   DFND   26,459 0 145
PROCTER AND GAMBLE COMPANY COM 742718109 936 12,156 SH   DFND   12,111 0 45
PUBLIC SVC ENTERPRISE GRP INC COM 744573106 578 17,695 SH   SOLE   17,695 0 0
QUALCOMM INC COM 747525103 792 12,960 SH   DFND   12,910 0 50
SPDR TRUST UNIT SER 1 COM 78462F103 217 1,350 SH   SOLE   1,350 0 0
TEVA PHARMACEUTICAL-SPONS ADR COM 881624209 756 19,280 SH   SOLE   19,280 0 0
UNITEDHEALTH GROUP INC COM 91324P102 882 13,465 SH   DFND   13,415 0 50
VERIZON COMMUNICATIONS COM 92343V104 704 13,982 SH   DFND   13,920 0 62
VODAFONE GROUP PLC SPONS ADR COM 92857W209 907 31,555 SH   SOLE   31,555 0 0
WELLPOINT INC COM 94973V107 710 8,670 SH   DFND   8,625 0 45
WELLS FARGO& CO (NEW) COM 949746101 569 13,786 SH   DFND   13,686 0 100
YUM! BRANDS INC COM 988498101 870 12,545 SH   SOLE   12,545 0 0
AON PLC CLASS A COM G0408V102 689 10,705 SH   DFND   10,650 0 55