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 Common 88579Y101 440 2,920 SH   SOLE   2,185 0 735
ACE LIMITED Common G0070K103 4,563 39,050 SH   SOLE   35,090 0 3,960
AFLAC INC. Common 001055102 4,120 68,773 SH   SOLE   60,787 0 7,986
AIR PRODUCTS & CHEMICALS INC. Common 009158106 426 3,275 SH   SOLE   3,085 0 190
ALPHABET INC CLASS A COMMON Common 38259P508 3,594 4,620 SH   SOLE   3,898 0 722
ANADARKO PETROLEUM CORP Common 032511107 476 9,800 SH   SOLE   7,770 0 2,030
APACHE CORP Common 037411105 676 15,210 SH   SOLE   13,260 0 1,950
APPLE COMPUTER INC. Common 037833100 2,706 25,710 SH   SOLE   23,050 0 2,660
BANCORPSOUTH INC Common 059692103 228 9,500 SH   SOLE   9,500 0 0
BANK OF NEW YORK MELLON CORP Common 064058100 228 5,530 SH   SOLE   4,370 0 1,160
BAXALTA INC Common 07177M103 3,465 88,788 SH   SOLE   76,780 0 12,008
BAXTER INTL INC Common 071813109 556 14,563 SH   SOLE   12,315 0 2,248
BED BATH & BEYOND INC. Common 075896100 2,154 44,650 SH   SOLE   39,500 0 5,150
C S X CORPORATION Common 126408103 2,179 83,959 SH   SOLE   73,031 0 10,928
CATERPILLAR INC Common 149123101 3,042 44,760 SH   SOLE   39,890 0 4,870
CATERPILLAR INC Common 149123101 42 615 SH   OTR   0 0 615
CITIGROUP INC Common 172967101 224 4,320 SH   SOLE   4,055 0 265
CROWN HOLDINGS INC. Common 228368106 2,886 56,920 SH   SOLE   49,320 0 7,600
DARDEN RESTAURANTS Common 237194105 89 1,400 SH   SOLE   1,200 0 200
DEVON ENERGY CORP Common 25179M103 370 11,550 SH   SOLE   10,050 0 1,500
DISCOVER FINANCIAL SVCS Common 254709108 3,133 58,435 SH   SOLE   51,185 0 7,250
DOW CHEMICAL Common 260543103 3,395 65,940 SH   SOLE   57,890 0 8,050
DOW CHEMICAL Common 260543103 77 1,500 SH   OTR   0 0 1,500
EMERSON ELECTRIC CO Common 291011104 1,611 33,690 SH   SOLE   27,590 0 6,100
EMERSON ELECTRIC CO Common 291011104 72 1,500 SH   OTR   0 0 1,500
EOG RESOURCES INC Common 26875P101 553 7,810 SH   SOLE   6,700 0 1,110
EXPEDITORS INTL OF WASHINGTON INC Common 302130109 96 2,125 SH   SOLE   1,950 0 175
FLUOR CORP Common 343412102 238 5,040 SH   SOLE   4,340 0 700
FORD MOTOR CO Common 345370860 1,776 126,070 SH   SOLE   111,270 0 14,800
FRANKLIN STREET PPTYS CORP Common 35471R106 109 10,500 SH   SOLE   10,500 0 0
GENERAL ELECTRIC CO Common 369604103 4,031 129,410 SH   SOLE   112,860 0 16,550
GENERAL ELECTRIC CO Common 369604103 62 2,000 SH   OTR   0 0 2,000
GLAXOSMITHKLINE PLC SP ADR Common 37733W105 3,392 84,061 SH   SOLE   74,580 0 9,481
HANCOCK HOLDING CO Common 410120109 76 3,000 SH   SOLE   3,000 0 0
HCA HOLDINGS INC Common 40412C101 105 1,550 SH   SOLE   1,350 0 200
HEWLETT PACKARD ENTERPRISES CO Common 42824C109 1,845 121,370 SH   SOLE   106,600 0 14,770
HONEYWELL INT'L INC. Common 438516106 171 1,650 SH   SOLE   1,450 0 200
HP INC COM Common 40434L105 1,446 122,170 SH   SOLE   107,300 0 14,870
INTERNATIONAL PAPER CO. Common 460146103 1,700 45,089 SH   SOLE   39,290 0 5,799
INTL BUSINESS MACHINES Common 459200101 3,899 28,335 SH   SOLE   24,255 0 4,080
INTL BUSINESS MACHINES Common 459200101 55 400 SH   OTR   0 0 400
JACOBS ENGINEERING GRP Common 469814107 46 1,100 SH   OTR   0 0 1,100
JACOBS ENGINEERING GRP Common 469814107 2,981 71,050 SH   SOLE   60,500 0 10,550
JOHNSON CONTROLS INC Common 478366107 2,415 61,149 SH   SOLE   52,995 0 8,154
JOHNSON CONTROLS INC Common 478366107 39 1,000 SH   OTR   0 0 1,000
MACYS INC Common 55616P104 346 9,885 SH   SOLE   8,075 0 1,810
MARATHON PETROLEUM CORP Common 56585A102 104 2,000 SH   SOLE   2,000 0 0
MARSH & MCLENNAN CO INC Common 571748102 287 5,172 SH   SOLE   4,700 0 472
MCDONALD'S CORP Common 580135101 450 3,805 SH   SOLE   3,730 0 75
MERCK & CO INC Common 589331107 280 5,310 SH   SOLE   4,360 0 950
MICROSOFT CORP Common 594918104 3,030 54,614 SH   SOLE   48,745 0 5,869
MICROSOFT CORP Common 594918104 55 1,000 SH   OTR   0 0 1,000
MUELLER WATER PRODUCTS INC-A Common 624758108 69 8,000 SH   SOLE   0 0 8,000
NOVARTIS AG-ADR Common 66987V109 247 2,870 SH   SOLE   2,810 0 60
OCCIDENTAL PETROLEUM CORP Common 674599105 115 1,695 SH   SOLE   1,550 0 145
PFIZER INC Common 717081103 744 23,040 SH   SOLE   19,990 0 3,050
QUALCOMM INC Common 747525103 263 5,270 SH   SOLE   4,245 0 1,025
SCHLUMBERGER LTD Common 806857108 198 2,835 SH   SOLE   2,660 0 175
TEREX CORP Common 880779103 925 50,080 SH   SOLE   44,585 0 5,495
TOYOTA MOTOR CORP ADR Common 892331307 1,780 14,465 SH   SOLE   12,715 0 1,750
UNITED PARCEL SERVICE-CL B Common 911312106 3,649 37,920 SH   SOLE   33,125 0 4,795
UNITED PARCEL SERVICE-CL B Common 911312106 77 800 SH   OTR   0 0 800
UNITED TECHNOLOGIES CORP Common 913017109 2,358 24,540 SH   SOLE   21,395 0 3,145
VIACOM INC CL B Common 92553P201 2,875 69,850 SH   SOLE   63,650 0 6,200
VISA INC CL A Common 92826C839 275 3,540 SH   SOLE   2,995 0 545
WAL MART STORES INC Common 931142103 524 8,555 SH   SOLE   7,135 0 1,420
WALGREENS BOOTS ALLIANCE INC Common 931427108 142 1,665 SH   SOLE   790 0 875
WALT DISNEY CO Common 254687106 3,688 35,100 SH   SOLE   30,710 0 4,390
WALT DISNEY CO Common 254687106 74 700 SH   OTR   0 0 700
WESTROCK COMPANY Common 744320102 84 1,851 SH   SOLE   1,750 0 101