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 1,199 10,045 SH   DFND   10,045 0 0
3M COMPANY COM 88579Y101 13 106 SH   DFND   0 0 106
AMERICAN EXPRESS CO COM 025816109 656 8,680 SH   DFND   8,680 0 0
AMERICAN EXPRESS CO COM 025816109 14 191 SH   DFND   0 0 191
APPLE INC COM 037833100 602 1,263 SH   DFND   1,263 0 0
APPLE INC COM 037833100 17 35 SH   DFND   0 0 35
AT&T INC COM 00206R102 59 1,742 SH   DFND   0 0 1,742
AT&T INC. COM 00206R102 337 9,956 SH   DFND   9,956 0 0
AUTOMATIC DATA PROCESSING INC COM 053015103 36 499 SH   DFND   0 0 499
AUTOMATIC DATA PROCESSING INC COM 053015103 221 3,060 SH   DFND   3,060 0 0
BB&T CORP COM 054937107 517 15,323 SH   DFND   15,323 0 0
BERKSHIRE HATHAWAY INC ICOM 084670702 15 136 SH   DFND   0 0 136
BERKSHIRE HATHAWAY INC COM 084670702 982 8,653 SH   DFND   8,653 0 0
BLACKROCK INC COM 09247X101 867 3,202 SH   DFND   3,202 0 0
C H ROBINSON WORLDWIDE INC COM 12541W209 628 10,540 SH   DFND   10,540 0 0
CARMAX INC COM 143130102 633 13,065 SH   DFND   13,065 0 0
CHEVRON CORP COM 166764100 45 374 SH   DFND   0 0 374
CHEVRON CORP COM 166764100 386 3,176 SH   DFND   3,176 0 0
CISCO SYSTEMS INC COM 17275R102 12 505 SH   DFND   0 0 505
CISCO SYSTEMS INC COM 17275R102 743 31,724 SH   DFND   31,724 0 0
CME GROUP INC COM 12572Q105 817 11,060 SH   DFND   11,060 0 0
COMPASS MINERALS INTERNATION COM 20451N101 214 2,805 SH   DFND   2,805 0 0
CONOCOPHILLIPS COM 20825C104 3 39 SH   DFND   0 0 39
CONOCOPHILLIPS COM 20825C104 329 4,731 SH   DFND   4,731 0 0
DISCOVER FINANCIAL SERVICES COM 254709108 414 8,190 SH   DFND   8,190 0 0
DOMINION RESOURCES INC VA COM 25746U109 912 14,604 SH   DFND   14,604 0 0
DOMINION RESOURCES INC VA COM 25746U109 16 261 SH   DFND   0 0 261
DUKE ENERGY CORP COM 26441C204 619 9,275 SH   DFND   9,275 0 0
EBAY INC COM 278642103 70 1,255 SH   DFND   0 0 1,255
EBAY INC COM 278642103 751 13,467 SH   DFND   13,467 0 0
EXPRESS SCRIPTS HOLDING CO COM 30219G108 480 7,775 SH   DFND   7,775 0 0
EXPRESS SCRIPTS HOLDING CO COM 30219G108 3 48 SH   DFND   0 0 48
EXXON MOBIL CORP COM 30231G102 1,829 21,262 SH   DFND   21,262 0 0
EXXON MOBIL CORP COM 30231G102 31 366 SH   DFND   0 0 366
GENERAL DYNAMICS CORP COM 369550108 771 8,805 SH   DFND   8,805 0 0
GENERAL DYNAMICS CORP COM 369550108 2 25 SH   DFND   0 0 25
GENERAL ELECTRIC CO COM 369604103 1,413 59,139 SH   DFND   59,139 0 0
GENERAL ELECTRIC CO COM 369604103 46 1,913 SH   DFND   0 0 1,913
GOOGLE INC CL A COM 38259P508 1,385 1,581 SH   DFND   1,581 0 0
HOME DEPOT INC COM 437076102 456 6,008 SH   DFND   6,008 0 0
INTEL CORP COM 458140100 18 775 SH   DFND   0 0 775
INTEL CORP COM 458140100 281 12,241 SH   DFND   12,241 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 66 356 SH   DFND   0 0 356
INTERNATIONAL BUSINESS MACHS COM 459200101 216 1,168 SH   DFND   1,168 0 0
ISHARES MSCI EMG MKT ETF 464287234 181 4,433 SH   DFND   4,433 0 0
ISHARES TIPS BD ETF 464287176 76 679 SH   DFND   0 0 679
ISHARES IBOXX HI YD ETF 464288513 203 2,212 SH   DFND   0 0 2,212
ISHARES US OIL EQ&SV ETF 464288844 2,712 43,302 SH   DFND   0 0 43,302
ISHARES INTERM CR BD ETF 464288638 39 364 SH   DFND   0 0 364
ISHARES US TELECOM ETF 464287713 284 10,315 SH   DFND   10,315 0 0
ISHARES RUS MD CP GR ETF 464287481 1,887 24,134 SH   DFND   0 0 24,134
ISHARES TIPS BD ETF 464287176 151 1,339 SH   DFND   1,339 0 0
ISHARES REAL ESTATE CAPPED 464288539 672 56,009 SH   DFND   0 0 56,009
ISHARES MSCI EAFE ETF 464287465 240 3,754 SH   DFND   0 0 3,754
ISHARES MSCI EMG MKT ETF 464287234 2,100 51,523 SH   DFND   0 0 51,523
ISHARES CORE S&P 500 ETF 464287200 5 32 SH   DFND   0 0 32
ISHARES ASIA/PAC DIV ETF 464286293 379 6,923 SH   DFND   0 0 6,923
ISHARES MSCI BRZ CAP ETF 464286400 256 5,342 SH   DFND   0 0 5,342
ISHARES CREDIT BD ETF 464288620 335 3,122 SH   DFND   0 0 3,122
ISHARES CORE S&P MCP ETF 464287507 3,927 31,632 SH   DFND   31,632 0 0
ISHARES RUS 1000 GRW ETF 464287614 411 5,255 SH   DFND   0 0 5,255
ISHARES US HEALTHCARE ETF 464287762 234 2,191 SH   DFND   0 0 2,191
ISHARES U.S. FINLS ETF 464287788 427 5,830 SH   DFND   0 0 5,830
ISHARES CORE S&P SCP ETF 464287804 63 631 SH   DFND   0 0 631
ISHARES JP MOR EM MK ETF 464288281 814 7,465 SH   DFND   0 0 7,465
ISHARES INTL SEL DIV ETF 464288448 2,007 55,344 SH   DFND   0 0 55,344
ISHARES MSCI EAFE ETF 464287465 3,262 51,120 SH   DFND   51,120 0 0
ISHARES JP MOR EM MK ETF 464288281 8 74 SH   DFND   74 0 0
ISHARES INTERM CR BD ETF 464288638 1,032 9,560 SH   DFND   9,560 0 0
ISHARES IBOXX HI YD ETF 464288513 53 575 SH   DFND   575 0 0
ISHARES CORE S&P SCP ETF 464287804 837 8,385 SH   DFND   8,385 0 0
ISHARES CORE S&P MCP ETF 464287507 82 662 SH   DFND   0 0 662
ISHARES CORE S&P 500 ETF 464287200 3,435 20,335 SH   DFND   20,335 0 0
ISHARES RUS 1000 GRW ETF 464287614 30 381 SH   DFND   381 0 0
ISHARES RUSSSELL 2000 ETF 464287655 643 6,035 SH   DFND   6,035 0 0
ISHARES RUS MD CP GR ETF 464287481 23 300 SH   DFND   300 0 0
ISHARES GNMA BOND ETF 46429B333 380 7,815 SH   DFND   7,815 0 0
JOHNSON & JOHNSON COM 478160104 949 10,944 SH   DFND   10,944 0 0
JOHNSON & JOHNSON COM 478160104 25 283 SH   DFND   0 0 283
JOHNSON CONTROLS INC COM 478366107 975 23,505 SH   DFND   23,505 0 0
JPMORGAN CHASE & CO COM 46625H100 1,200 23,213 SH   DFND   23,213 0 0
LOWES COMPANIES INC COM 548661107 2 48 SH   DFND   0 0 48
LOWES COMPANIES INC COM 548661107 1,380 28,989 SH   DFND   28,989 0 0
MANNKIND CORP COM 56400P201 58 10,253 SH   DFND   0 0 10,253
MARKET VECTORS ETF TR EM LC CURR DBT 57060U522 258 10,630 SH   DFND   10,630 0 0
MASTERCARD INC CL A COM 57636Q104 210 312 SH   DFND   312 0 0
MATERIALS SELECT SECTOR SPDR TRUST SBI MATERIALS 81369Y100 312 7,430 SH   DFND   7,430 0 0
MCDONALDS CORP COM 580135101 173 1,802 SH   DFND   1,802 0 0
MCDONALDS CORP COM 580135101 76 792 SH   DFND   0 0 792
MICROSOFT CORP COM 594918104 1,190 35,746 SH   DFND   35,746 0 0
MICROSOFT CORP COM 594918104 137 4,131 SH   DFND   0 0 4,131
MOLSON COORS BREWING CO CL B COM 60871R209 369 7,370 SH   DFND   7,370 0 0
NATIONAL OILWELL VARCO INC COM 637071101 990 12,680 SH   DFND   12,680 0 0
NATIONAL OILWELL VARCO INC COM 637071101 9 120 SH   DFND   0 0 120
NOVARTIS AG FOREIGN EQUITIES 66987V109 658 8,573 SH   DFND   8,573 0 0
NOVARTIS AG FOREIGN EQUITIES 66987V109 2 30 SH   DFND   0 0 30
NOVO NORDISK A/S CL B ADR FOREIGN EQUITIES 670100205 533 3,147 SH   DFND   3,147 0 0
ORACLE CORP COM 68389X105 802 24,186 SH   DFND   24,186 0 0
ORACLE CORP COM 68389X105 5 155 SH   DFND   0 0 155
PAYCHEX INC COM 704326107 1,045 25,703 SH   DFND   25,703 0 0
PEPSICO INC COM 713448108 25 313 SH   DFND   0 0 313
PEPSICO INC COM 713448108 1,053 13,247 SH   DFND   13,247 0 0
PFIZER INC COM 717081103 2 79 SH   DFND   0 0 79
PFIZER INC COM 717081103 898 31,247 SH   DFND   31,247 0 0
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 7,238 69,000 SH   DFND   69,000 0 0
POTASH CORP OF SASKATCHEWAN INC US$ FOREIGN EQUITIES 73755L107 537 17,165 SH   DFND   17,165 0 0
POWERSHARES ETF TR DYNA BUYBK ACH 73935X286 3,068 78,527 SH   DFND   0 0 78,527
POWERSHARES ETF TR II SENIOR LN PORT 73936Q769 6,627 268,536 SH   DFND   268,536 0 0
POWERSHARES QQQ TRUST UNIT SER 1 73935A104 2,766 35,064 SH   DFND   0 0 35,064
POWERSHARES QQQ TRUST UNIT SER 1 73935A104 14 180 SH   DFND   180 0 0
PROCTER & GAMBLE CO COM 742718109 55 726 SH   DFND   0 0 726
PROCTER & GAMBLE CO COM 742718109 614 8,118 SH   DFND   8,118 0 0
SCHWAB CHARLES NEW COM 808513105 568 26,858 SH   DFND   26,858 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 394 12,305 SH   DFND   12,305 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 615 10,145 SH   DFND   10,145 0 0
SELECT SECTOR SPDR TR SBI INT ENERGY 81369Y506 427 5,145 SH   DFND   5,145 0 0
SELECT SECTOR SPDR TR SBI-INT-INDS 81369Y704 499 10,760 SH   DFND   10,760 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 233 6,230 SH   DFND   6,230 0 0
SELECT SECTOR SPDR TR SBI-INT-INDS 81369Y704 270 5,820 SH   DFND   0 0 5,820
SELECT SECTOR SPDR TR SBI INT ENERGY 81369Y506 11 132 SH   DFND   0 0 132
SPDR SERIES TRUST BRCLYS INTL ETF 78464A516 372 6,365 SH   DFND   6,365 0 0
SPDR SERIES TRUST BRCLYS INTL ETF 78464A516 19 322 SH   DFND   0 0 322
SPDR SERIES TRUST BRC HIGH YIELD BD 78464A417 824 20,676 SH   DFND   0 0 20,676
SPECTRA ENERGY CORP COM 847560109 229 6,687 SH   DFND   6,687 0 0
SYSCO CORP COM 871829107 583 18,310 SH   DFND   18,310 0 0
TRANSCANADA CORP FOREIGN EQUITIES 89353D107 756 17,215 SH   DFND   17,215 0 0
UNITED PARCEL SERVICE INC CL B COM 911312106 239 2,619 SH   DFND   2,619 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 1,177 14,555 SH   DFND   14,555 0 0
VANGUARD INDEX FDS REIT ETF 922908553 55 831 SH   DFND   0 0 831
VANGUARD INDEX FDS REIT ETF 922908553 5,951 89,979 SH   DFND   89,979 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 16 402 SH   DFND   0 0 402
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 9,630 239,932 SH   DFND   239,932 0 0
VULCAN MATERIALS CO COM 929160109 310 5,974 SH   DFND   5,974 0 0
WAL-MART STORES INC COM 931142103 16 218 SH   DFND   0 0 218
WAL-MART STORES INC COM 931142103 317 4,289 SH   DFND   4,289 0 0
WELLS FARGO & CO (NEW) COM 949746101 463 11,201 SH   DFND   11,201 0 0
WESTERN UNION CO COM 959802109 262 14,045 SH   DFND   14,045 0 0