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. Common Stock 00206R102 214 6,051 SH   OTR   6,051 0 0
AT&T INC. Common Stock 00206R102 1,285 36,350 SH   SOLE   36,150 0 200
ABBOTT LABS Common Stock 002824100 110 2,693 SH   OTR   2,693 0 0
ABBOTT LABS Common Stock 002824100 755 18,470 SH   SOLE   18,370 100 0
ABBVIE INC. Common Stock 00287Y109 43 760 SH   OTR   760 0 0
ABBVIE INC. Common Stock 00287Y109 346 6,135 SH   SOLE   6,135 0 0
AIR PRODS & CHEMS INC Common Stock 009158106 302 2,350 SH   SOLE   2,350 0 0
AMERICAN EXPRESS CO Common Stock 025816109 228 2,405 SH   SOLE   2,295 0 110
APPLE COMPUTER INC Common Stock 037833100 189 2,030 SH   OTR   2,030 0 0
APPLE COMPUTER INC Common Stock 037833100 1,417 15,253 SH   SOLE   15,113 140 0
APPLIED MATLS INC Common Stock 038222105 275 12,200 SH   SOLE   12,200 0 0
ARCH COAL Common Stock 039380100 44 12,000 SH   SOLE   12,000 0 0
AUTOMATIC DATA PROCESSING INC Common Stock 053015103 365 4,610 SH   OTR   4,610 0 0
AUTOMATIC DATA PROCESSING INC Common Stock 053015103 2,028 25,575 SH   SOLE   25,240 35 300
AUTOZONE, INC. Common Stock 053332102 121 225 SH   OTR   225 0 0
AUTOZONE, INC. Common Stock 053332102 408 761 SH   SOLE   696 0 65
BERKSHIRE HATHAWAY INC DEL B NEW Common Stock 084670702 212 1,675 SH   OTR   1,675 0 0
BERKSHIRE HATHAWAY INC DEL B NEW Common Stock 084670702 1,063 8,400 SH   SOLE   7,825 150 425
BIOGEN IDEC INC Common Stock 09062X103 221 700 SH   SOLE   700 0 0
CHEVRON CORPORATION Common Stock 166764100 212 1,627 SH   OTR   1,627 0 0
CHEVRON CORPORATION Common Stock 166764100 1,513 11,593 SH   SOLE   11,283 60 250
CHUBB CORP Common Stock 171232101 70 760 SH   OTR   760 0 0
CHUBB CORP Common Stock 171232101 1,210 13,125 SH   SOLE   12,710 0 415
COMPASS MINERALS INTERNATIONAL INC Common Stock 20451N101 108 1,127 SH   OTR   1,127 0 0
COMPASS MINERALS INTERNATIONAL INC Common Stock 20451N101 368 3,843 SH   SOLE   3,683 0 160
DNP SELECT INCOME FUND Common Stock 23325P104 158 15,000 SH   SOLE   15,000 0 0
DISNEY WALT CO Common Stock 254687106 227 2,650 SH   SOLE   2,650 0 0
EMERSON ELEC CO Common Stock 291011104 120 1,806 SH   OTR   1,806 0 0
EMERSON ELEC CO Common Stock 291011104 400 6,023 SH   SOLE   6,023 0 0
EXPEDITORS INTL WASH INC Common Stock 302130109 27 615 SH   OTR   615 0 0
EXPEDITORS INTL WASH INC Common Stock 302130109 547 12,390 SH   SOLE   11,725 175 490
EXXON MOBIL CORP Common Stock 30231G102 715 7,101 SH   OTR   7,101 0 0
EXXON MOBIL CORP Common Stock 30231G102 2,278 22,630 SH   SOLE   21,784 0 846
GENERAL DYNAMICS CORP Common Stock 369550108 153 1,310 SH   OTR   1,310 0 0
GENERAL DYNAMICS CORP Common Stock 369550108 721 6,185 SH   SOLE   5,990 0 195
GENERAL ELEC CO Common Stock 369604103 147 5,602 SH   OTR   5,402 200 0
GENERAL ELEC CO Common Stock 369604103 586 22,310 SH   SOLE   21,690 220 400
GENERAL MILLS INC Common Stock 370334104 53 1,005 SH   OTR   1,005 0 0
GENERAL MILLS INC Common Stock 370334104 1,042 19,832 SH   SOLE   19,582 0 250
GOOGLE INC CL A Common Stock 38259P508 85 146 SH   OTR   146 0 0
GOOGLE INC CL A Common Stock 38259P508 347 594 SH   SOLE   546 0 48
GOOGLE INC. CLASS C Common Stock 38259P706 84 146 SH   OTR   146 0 0
GOOGLE INC. CLASS C Common Stock 38259P706 334 580 SH   SOLE   540 0 40
INTEL CORP Common Stock 458140100 142 4,580 SH   OTR   4,580 0 0
INTEL CORP Common Stock 458140100 461 14,910 SH   SOLE   13,760 400 750
ISHARE S & P 500 INDX ETF-DOMESTIC LA 464287200 243 1,231 SH   SOLE   1,215 0 16
ISHARES LEHMAN U.S. AGGREGATE BOND ETF-FIXED INCOM 464287226 216 1,970 SH   SOLE   1,970 0 0
ISHARES MSCI EMERGING MKTS INDEX FD ETF-INTERNATION 464287234 78 1,800 SH   OTR   1,800 0 0
ISHARES MSCI EMERGING MKTS INDEX FD ETF-INTERNATION 464287234 395 9,148 SH   SOLE   9,148 0 0
I SHARES M S C I E A F E INDEX FUN ETF-INTERNATION 464287465 54 785 SH   OTR   785 0 0
I SHARES M S C I E A F E INDEX FUN ETF-INTERNATION 464287465 1,525 22,305 SH   SOLE   22,305 0 0
iSHARES S&P MID CAP 400 INDEX ETF-DOMESTIC MI 464287507 610 4,265 SH   OTR   4,265 0 0
iSHARES S&P MID CAP 400 INDEX ETF-DOMESTIC MI 464287507 1,797 12,560 SH   SOLE   12,560 0 0
iSHARES RUSSELL 2000 INDEX ETF-DOMESTIC SM 464287655 159 1,335 SH   OTR   1,335 0 0
iSHARES RUSSELL 2000 INDEX ETF-DOMESTIC SM 464287655 1,354 11,394 SH   SOLE   11,304 0 90
I SHARES DJ FIN SC INX ETF-DOMESTIC LA 464287788 62 748 SH   OTR   748 0 0
I SHARES DJ FIN SC INX ETF-DOMESTIC LA 464287788 140 1,685 SH   SOLE   1,685 0 0
ISHARES S&P SH TR NATL AMT FREE MUN ETF-FIXED INCOM 464288158 456 4,294 SH   SOLE   4,294 0 0
ISHARES IBOXX HY BD ETF-FIXED INCOM 464288513 29 300 SH   OTR   300 0 0
ISHARES IBOXX HY BD ETF-FIXED INCOM 464288513 504 5,294 SH   SOLE   5,294 0 0
J P MORGAN CHASE & CO Common Stock 46625H100 107 1,850 SH   OTR   1,850 0 0
J P MORGAN CHASE & CO Common Stock 46625H100 727 12,624 SH   SOLE   12,409 90 125
JOHNSON & JOHNSON Common Stock 478160104 228 2,175 SH   OTR   2,175 0 0
JOHNSON & JOHNSON Common Stock 478160104 1,852 17,701 SH   SOLE   17,441 100 160
JOHNSON CONTROLS INC Common Stock 478366107 81 1,630 SH   OTR   1,630 0 0
JOHNSON CONTROLS INC Common Stock 478366107 121 2,425 SH   SOLE   2,425 0 0
KINDER MORGAN MANAGEMENT, LLC Common Stock 49455U100 30 377 SH   OTR   377 0 0
KINDER MORGAN MANAGEMENT, LLC Common Stock 49455U100 203 2,573 SH   SOLE   2,477 96 0
LOWES COS INC Common Stock 548661107 37 775 SH   OTR   775 0 0
LOWES COS INC Common Stock 548661107 498 10,380 SH   SOLE   9,560 300 520
MASTERCARD INC. Common Stock 57636Q104 432 5,875 SH   SOLE   5,125 150 600
MC DONALDS CORP Common Stock 580135101 243 2,411 SH   OTR   2,411 0 0
MC DONALDS CORP Common Stock 580135101 1,552 15,409 SH   SOLE   15,114 125 170
MICROSOFT CORP Common Stock 594918104 85 2,030 SH   OTR   2,030 0 0
MICROSOFT CORP Common Stock 594918104 816 19,575 SH   SOLE   19,575 0 0
NEXTERA ENERGY INC COM Common Stock 65339F101 278 2,710 SH   SOLE   2,506 0 204
NIKE INC Common Stock 654106103 227 2,932 SH   OTR   2,932 0 0
NIKE INC Common Stock 654106103 908 11,713 SH   SOLE   11,713 0 0
NOVARTIS A G A D R American Deposi 66987V109 155 1,714 SH   OTR   1,714 0 0
NOVARTIS A G A D R American Deposi 66987V109 961 10,615 SH   SOLE   10,185 150 280
PEPSICO INC Common Stock 713448108 251 2,805 SH   OTR   2,805 0 0
PEPSICO INC Common Stock 713448108 1,489 16,663 SH   SOLE   16,213 150 300
PFIZER INC Common Stock 717081103 120 4,030 SH   OTR   4,030 0 0
PFIZER INC Common Stock 717081103 852 28,718 SH   SOLE   28,203 0 515
PIMCO 0-5 YR HIGH YIELD CORP BD IND ETF-FIXED INCOM 72201R783 842 7,883 SH   OTR   7,883 0 0
PIMCO 0-5 YR HIGH YIELD CORP BD IND ETF-FIXED INCOM 72201R783 6,170 57,735 SH   SOLE   56,699 500 536
POWERSHARES SENIOR LOAN PORTFOLIO ETF-FIXED INCOM 73936Q769 456 18,316 SH   SOLE   18,316 0 0
PROCTER & GAMBLE CO Common Stock 742718109 203 2,585 SH   OTR   2,585 0 0
PROCTER & GAMBLE CO Common Stock 742718109 954 12,142 SH   SOLE   11,842 200 100
ROCKPORT NATL BANCORP INC Common Stock 773871108 1,881 14,145 SH   SOLE   14,145 0 0
SPDR TR ETF-DOMESTIC LA 78462F103 9 45 SH   OTR   45 0 0
SPDR TR ETF-DOMESTIC LA 78462F103 244 1,249 SH   SOLE   1,249 0 0
SELECT SECTOR SPDR-MATERIALS Common Stock 81369Y100 169 3,400 SH   OTR   3,400 0 0
SELECT SECTOR SPDR-MATERIALS Common Stock 81369Y100 570 11,481 SH   SOLE   11,216 125 140
ENERGY SELECT SECTOR SPDR Common Stock 81369Y506 50 495 SH   OTR   495 0 0
ENERGY SELECT SECTOR SPDR Common Stock 81369Y506 413 4,130 SH   SOLE   3,890 0 240
SELECT SECTOR SPDR-FINANCIAL Common Stock 81369Y605 307 13,500 SH   OTR   13,500 0 0
SELECT SECTOR SPDR-FINANCIAL Common Stock 81369Y605 904 39,753 SH   SOLE   39,553 200 0
INDUSTRIAL SELECT SECTOR SPDR Common Stock 81369Y704 167 3,090 SH   OTR   3,090 0 0
INDUSTRIAL SELECT SECTOR SPDR Common Stock 81369Y704 529 9,786 SH   SOLE   9,786 0 0
SELECT SECTOR SPDR-TECHNOLOGY Common Stock 81369Y803 141 3,670 SH   OTR   3,670 0 0
SELECT SECTOR SPDR-TECHNOLOGY Common Stock 81369Y803 1,205 31,411 SH   SOLE   30,636 0 775
UTILITIES SELECT SECTOR SPDR FUND Common Stock 81369Y886 181 4,090 SH   OTR   4,090 0 0
UTILITIES SELECT SECTOR SPDR FUND Common Stock 81369Y886 793 17,923 SH   SOLE   17,468 205 250
AXIAM, INC. Common Stock 87508Y992 0 10,000 SH   SOLE   10,000 0 0
3M CO Common Stock 88579Y101 257 1,795 SH   OTR   1,795 0 0
3M CO Common Stock 88579Y101 1,315 9,177 SH   SOLE   8,727 100 350
UNITED TECHNOLOGIES CORP Common Stock 913017109 209 1,812 SH   SOLE   1,812 0 0
VANGUARD EMERGING MKT ETF ETF-INTERNATION 922042858 19 440 SH   OTR   440 0 0
VANGUARD EMERGING MKT ETF ETF-INTERNATION 922042858 687 15,930 SH   SOLE   15,280 650 0
VANGUARD REIT VIPER ETF ETF REIT 922908553 280 3,744 SH   OTR   3,744 0 0
VANGUARD REIT VIPER ETF ETF REIT 922908553 2,265 30,267 SH   SOLE   29,531 175 561
VERIZON COMMUNICATIONS INC Common Stock 92343V104 238 4,866 SH   OTR   4,866 0 0
VERIZON COMMUNICATIONS INC Common Stock 92343V104 555 11,333 SH   SOLE   10,364 500 469
WALGREEN CO Common Stock 931422109 556 7,500 SH   SOLE   7,500 0 0
WELLS FARGO & CO Common Stock 949746101 88 1,675 SH   OTR   1,675 0 0
WELLS FARGO & CO Common Stock 949746101 113 2,150 SH   SOLE   2,150 0 0
WISDOMTREE EMERGING MKTS EQ INC FD ETF-INTERNATION 97717W315 75 1,453 SH   OTR   1,453 0 0
WISDOMTREE EMERGING MKTS EQ INC FD ETF-INTERNATION 97717W315 515 9,926 SH   SOLE   9,926 0 0
WISDOM TREE MIDCAP DIVIDEND FUND ETF-DOMESTIC MI 97717W505 169 2,075 SH   OTR   2,075 0 0
WISDOM TREE MIDCAP DIVIDEND FUND ETF-DOMESTIC MI 97717W505 882 10,797 SH   SOLE   10,377 420 0
WISDOMTREE SMALLCAP DIVIDEND FUND ETF-DOMESTIC SM 97717W604 80 1,140 SH   OTR   1,140 0 0
WISDOMTREE SMALLCAP DIVIDEND FUND ETF-DOMESTIC SM 97717W604 590 8,423 SH   SOLE   7,943 480 0
WISDOMTREE DEFA FUND ETF-INTERNATION 97717W703 219 3,910 SH   OTR   3,910 0 0
WISDOMTREE DEFA FUND ETF-INTERNATION 97717W703 1,612 28,783 SH   SOLE   28,073 710 0
ACCENTURE LTD Common Stock G1151C101 121 1,500 SH   OTR   1,500 0 0
ACCENTURE LTD Common Stock G1151C101 463 5,722 SH   SOLE   5,622 100 0