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 COMPANY COM 88579Y101 802 7,335 SH   DFND   7,335 0 0
AMERICAN EXPRESS CO COM 025816109 420 5,621 SH   DFND   5,621 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 15 136 SH   DFND   136 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 594 5,305 SH   DFND   5,305 0 0
BLACKROCK INC COM 09247X101 343 1,335 SH   DFND   1,335 0 0
C H ROBINSON WORLDWIDE INC COM 12541W209 281 4,995 SH   DFND   4,995 0 0
CARMAX INC COM 143130102 364 7,885 SH   DFND   7,885 0 0
CISCO SYSTEMS INC COM 17275R102 453 18,635 SH   DFND   18,635 0 0
CME GROUP INC COM 12572Q105 486 6,400 SH   DFND   6,400 0 0
DISCOVER FINANCIAL SERVICES COM 254709108 333 6,995 SH   DFND   6,995 0 0
EBAY INC COM 278642103 393 7,605 SH   DFND   7,605 0 0
EBAY INC COM 278642103 65 1,255 SH   DFND   1,255 0 0
EXPRESS SCRIPTS HLDG COM 30219G108 240 3,880 SH   DFND   3,880 0 0
EXPRESS SCRIPTS HLDG COM 30219G108 3 48 SH   DFND   48 0 0
EXXON MOBIL CORP COM 30231G102 1,048 11,599 SH   DFND   11,599 0 0
GENERAL DYNAMICS CORP COM 369550108 428 5,470 SH   DFND   5,470 0 0
GENERAL ELECTRIC CO COM 369604103 696 30,015 SH   DFND   30,015 0 0
GENERAL ELECTRIC CO COM 369604103 30 1,308 SH   DFND   1,308 0 0
GOOGLE INC CL A COM 38259P508 907 1,030 SH   DFND   1,030 0 0
ISHARES INC ASIA/PACIFIC DIVID 464286293 343 6,503 SH   DFND   6,503 0 0
ISHARES INC DOW JONES US FINANCIAL SECTOR 464287788 277 3,870 SH   DFND   3,870 0 0
ISHARES TR DOW JONES EPAC SELECT 464288448 1,491 46,841 SH   DFND   46,841 0 0
ISHARES TR DOW JONES U S HEALTHCARE 464287762 220 2,191 SH   DFND   2,191 0 0
JOHNSON & JOHNSON COM 478160104 569 6,625 SH   DFND   6,625 0 0
JOHNSON & JOHNSON COM 478160104 15 176 SH   DFND   176 0 0
JOHNSON CONTROLS INC COM 478366107 473 13,210 SH   DFND   13,210 0 0
JPMORGAN CHASE & CO COM 46625H100 617 11,684 SH   DFND   11,684 0 0
LOWES COMPANIES INC COM 548661107 692 16,910 SH   DFND   16,910 0 0
MANNKIND CORP COM 56400P201 90 13,820 SH   DFND   13,820 0 0
MICROSOFT CORP COM 594918104 140 4,047 SH   DFND   4,047 0 0
MICROSOFT CORP COM 594918104 720 20,831 SH   DFND   20,831 0 0
MOLSON COORS BREWING CO CL B COM 60871R209 222 4,633 SH   DFND   4,633 0 0
NATIONAL OILWELL VARCO INC COM 637071101 552 8,006 SH   DFND   8,006 0 0
NOVARTIS AG NAMEN SPON ADR FOREIGN EQUITIES 66987V109 355 5,025 SH   DFND   5,025 0 0
ORACLE CORP COM 68389X105 459 14,953 SH   DFND   14,953 0 0
PAYCHEX INC COM 704326107 510 13,980 SH   DFND   13,980 0 0
PEPSICO INC COM 713448108 661 8,082 SH   DFND   8,082 0 0
PFIZER INC COM 717081103 546 19,477 SH   DFND   19,477 0 0
POTASH CORP OF SASKATCHEWAN INC US$ FOREIGN EQUITIES 73755L107 433 11,345 SH   DFND   11,345 0 0
POWERSHARES DB MULTI SECTOR COMMODITY TR 73936B200 518 12,818 SH   DFND   12,818 0 0
POWERSHARES EXCHANGE TRADED FD TR DYNAMIC 73935X286 1,817 51,134 SH   DFND   51,134 0 0
POWERSHARES QQQ TR UNIT SER 1 73935A104 1,756 24,642 SH   DFND   24,642 0 0
PROCTER & GAMBLE CO COM 742718109 54 699 SH   DFND   699 0 0
PROCTER & GAMBLE CO COM 742718109 574 7,458 SH   DFND   7,458 0 0
SCHWAB CHARLES NEW COM 808513105 318 14,977 SH   DFND   14,977 0 0
SECTOR SPDR TR SHS BEN INT INDUSTRIAL 81369Y704 216 5,056 SH   DFND   5,056 0 0
SPDR SER TR BARCLAYS HIGH YIELD BD 78464A417 766 19,410 SH   DFND   19,410 0 0
SYSCO CORP COM 871829107 369 10,805 SH   DFND   10,805 0 0
TRANSCANADA CORP FOREIGN EQUITIES 89353D107 476 11,035 SH   DFND   11,035 0 0
VULCAN MATERIALS CO COM 929160109 241 4,974 SH   DFND   4,974 0 0
WESTERN UNION CO COM 959802109 190 11,100 SH   DFND   11,100 0 0