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 649 18,447 SH   DFND   18,382 0 65
ABBOTT LABORATORIES COM 002824100 437 11,412 SH   DFND   11,372 0 40
ABBVIE INC COM 00287Y109 548 10,372 SH   SOLE   10,372 0 0
APPLE INC COM 037833100 1,149 2,048 SH   DFND   2,038 0 10
BANK OF AMERICA CORP COM 060505104 1,202 77,186 SH   DFND   76,846 0 340
BERKSHIRE HATHAWAY INC CLASS B COM 084670702 940 7,925 SH   DFND   7,875 0 50
BRISTOL-MYERS SQUIBB CO COM 110122108 809 15,230 SH   DFND   15,155 0 75
CHEVRON CORP NEW COM 166764100 823 6,585 SH   DFND   6,555 0 30
CHUBB CORP COM 171232101 908 9,395 SH   DFND   9,345 0 50
DIAGEO PLC - SPONSORED ADR COM 25243Q205 957 7,229 SH   DFND   7,189 0 40
EMERSON ELECTRIC COMPANY COM 291011104 952 13,560 SH   DFND   13,480 0 80
ENERGY TRANSFER PARTNERS LP COM 29273R109 309 5,400 SH   DFND   5,350 0 50
FLUOR CORP (NEW) COM 343412102 982 12,230 SH   DFND   12,170 0 60
GENERAL ELECTRIC COMPANY COM 369604103 819 29,218 SH   DFND   29,148 0 70
HONEYWELL INTERNATIONAL INC COM 438516106 1,166 12,760 SH   SOLE   12,760 0 0
INTEL CORPORATION COM 458140100 946 36,442 SH   DFND   36,317 0 125
INTERNATIONAL BUSINESS MACHINE COM 459200101 468 2,496 SH   SOLE   2,496 0 0
JPMORGAN CHASE& CO COM 46625H100 1,068 18,268 SH   DFND   18,168 0 100
JOHNSON& JOHNSON COM 478160104 1,112 12,145 SH   DFND   12,085 0 60
KIMBERLY CLARK COM 494368103 833 7,973 SH   DFND   7,933 0 40
KRAFT FOODS GROUP INC COM 50076Q106 328 6,086 SH   SOLE   6,086 0 0
MARKEL CORP COM 570535104 1,088 1,875 SH   DFND   1,870 0 5
MERCK& CO. INC. COM 58933Y105 690 13,790 SH   DFND   13,735 0 55
MONDELEZ INTERNATIONAL INC COM 609207105 596 16,875 SH   SOLE   16,875 0 0
NESTLE SA SPNSRD ADR REP RG SH COM 641069406 799 10,856 SH   DFND   10,796 0 60
PFIZER INC COM 717081103 1,053 34,389 SH   DFND   34,244 0 145
PROCTER AND GAMBLE COMPANY COM 742718109 981 12,056 SH   DFND   12,011 0 45
PUBLIC SVC ENTERPRISE GRP INC COM 744573106 633 19,755 SH   SOLE   19,755 0 0
QUALCOMM INC COM 747525103 962 12,960 SH   DFND   12,910 0 50
SPDR TRUST UNIT SER 1 COM 78462F103 208 1,125 SH   SOLE   1,125 0 0
TEVA PHARMACEUTICAL-SPONS ADR COM 881624209 758 18,910 SH   SOLE   18,910 0 0
UNITEDHEALTH GROUP INC COM 91324P102 1,038 13,785 SH   DFND   13,735 0 50
VERIZON COMMUNICATIONS COM 92343V104 687 13,982 SH   DFND   13,920 0 62
WELLPOINT INC COM 94973V107 935 10,125 SH   DFND   10,080 0 45
WELLS FARGO& CO (NEW) COM 949746101 630 13,886 SH   DFND   13,786 0 100
YUM! BRANDS INC COM 988498101 947 12,520 SH   SOLE   12,520 0 0
AON PLC CLASS A COM G0408V102 898 10,705 SH   DFND   10,650 0 55