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 Equities 88579Y101 1,739 9,129 SH   SOLE   9,129 0 0
ABBOTT LABS Equities 002824100 1,845 25,513 SH   SOLE   25,513 0 0
ABBVIE INC. Equities 00287Y109 1,204 13,067 SH   SOLE   13,067 0 0
ABBVIE INC. Equities 00287Y109 9 100 SH   DFND   100 0 0
ACCENTURE PLC Equities G1151C101 1,344 9,538 SH   SOLE   9,538 0 0
ADOBE SYSTEMS, INC. Equities 00724F101 1,377 6,090 SH   SOLE   6,090 0 0
ALLSTATE CORP Equities 020002101 1,167 14,132 SH   SOLE   14,132 0 0
ALLSTATE CORP Equities 020002101 12 150 SH   DFND   150 0 0
ALPHABET INC CAP CL C Equities 02079K107 337 326 SH   SOLE   326 0 0
ALPHABET INC CL A Equities 02079K305 1,787 1,711 SH   SOLE   1,711 0 0
ALPHABET INC CL A Equities 02079K305 20 20 SH   DFND   20 0 0
AMERICAN EXPRESS CO Equities 025816109 1,890 19,837 SH   SOLE   19,837 0 0
AMERICAN EXPRESS CO Equities 025816109 19 200 SH   DFND   200 0 0
AMERICAN TOWER CORPORATION Equities 03027X100 240 1,518 SH   SOLE   1,518 0 0
AMERISOURCEBERGEN Equities 03073E105 348 4,682 SH   SOLE   4,682 0 0
ANALOG DEVICES Equities 032654105 1,408 16,409 SH   SOLE   16,409 0 0
APPLE COMPUTER INC Equities 037833100 22 140 SH   DFND   140 0 0
APPLE COMPUTER INC Equities 037833100 3,700 23,460 SH   SOLE   23,460 0 0
AT&T INC Equities 00206R102 670 23,495 SH   SOLE   23,495 0 0
BANK OF AMERICA CORP. Equities 060505104 346 14,079 SH   SOLE   14,079 0 0
BANK OF AMERICA CORP. Equities 060505104 2 100 SH   DFND   100 0 0
BECTON DICKINSON AND CO Equities 075887109 2,019 8,964 SH   SOLE   8,964 0 0
BLACKROCK INV QUALITY MUNI TR Equities 09247D105 151 11,500 SH   SOLE   11,500 0 0
BOEING CO Equities 097023105 799 2,478 SH   SOLE   2,478 0 0
BRISTOL-MYERS SQUIBB CO Equities 110122108 184 3,546 SH   DFND   3,546 0 0
BRISTOL-MYERS SQUIBB CO Equities 110122108 537 10,339 SH   SOLE   10,339 0 0
CHARLES SCHWAB CO Equities 808513105 83 2,000 SH   DFND   2,000 0 0
CHARLES SCHWAB CO Equities 808513105 376 9,058 SH   SOLE   9,058 0 0
CHEVRON CORPORATION Equities 166764100 2,751 25,291 SH   SOLE   25,291 0 0
COCA COLA CO Equities 191216100 189 4,000 SH   DFND   4,000 0 0
COCA COLA CO Equities 191216100 326 6,893 SH   SOLE   6,893 0 0
COMCAST CORP CL A Equities 20030N101 3 100 SH   DFND   100 0 0
COMCAST CORP CL A Equities 20030N101 1,950 57,294 SH   SOLE   57,294 0 0
CONAGRA FOODS INC Equities 205887102 208 9,743 SH   SOLE   9,743 0 0
COSTCO WHOLESALE Equities 22160K105 1,869 9,177 SH   SOLE   9,177 0 0
COSTCO WHOLESALE Equities 22160K105 8 40 SH   DFND   40 0 0
CVS CAREMARK CORP Equities 126650100 1,000 15,266 SH   SOLE   15,266 0 0
DISNEY HOLDING COMPANY Equities 254687106 2,019 18,420 SH   SOLE   18,420 0 0
DISNEY HOLDING COMPANY Equities 254687106 38 350 SH   DFND   350 0 0
DREYFUS MUNICIPAL INCOME INC Equities 26201R102 106 14,000 SH   SOLE   14,000 0 0
ELECTRONIC ARTS INC. Equities 285512109 1,124 14,245 SH   SOLE   14,245 0 0
ELECTRONIC ARTS INC. Equities 285512109 7 100 SH   DFND   100 0 0
ELI LILLY & CO. Equities 532457108 277 2,400 SH   DFND   2,400 0 0
ELI LILLY & CO. Equities 532457108 115 1,000 SH   SOLE   1,000 0 0
EMERSON ELEC CO Equities 291011104 173 2,900 SH   SOLE   2,900 0 0
EMERSON ELEC CO Equities 291011104 31 520 SH   DFND   520 0 0
EVEREST RE GROUP LTD Equities G3223R108 4 20 SH   DFND   20 0 0
EVEREST RE GROUP LTD Equities G3223R108 1,251 5,745 SH   SOLE   5,745 0 0
EVERSOURCE ENERGY Equities 30040W108 367 5,654 SH   SOLE   5,654 0 0
EXXON MOBIL CORP. Equities 30231G102 730 10,712 SH   SOLE   10,712 0 0
EXXON MOBIL CORP. Equities 30231G102 157 2,310 SH   DFND   2,310 0 0
FACEBOOK Equities 30303M102 6 50 SH   DFND   50 0 0
FACEBOOK Equities 30303M102 652 4,981 SH   SOLE   4,981 0 0
FISERV INC Equities 337738108 1,119 15,238 SH   SOLE   15,238 0 0
GENERAL DYNAMICS Equities 369550108 628 3,995 SH   SOLE   3,995 0 0
GENERAL MILLS INC Equities 370334104 243 6,260 SH   SOLE   6,260 0 0
HOME DEPOT, INC. Equities 437076102 34 200 SH   DFND   200 0 0
HOME DEPOT, INC. Equities 437076102 2,710 15,775 SH   SOLE   15,775 0 0
HUNTINGTON BANCSHARES INC Equities 446150104 527 44,220 SH   SOLE   44,220 0 0
INTEL CORP Equities 458140100 394 8,400 SH   DFND   8,400 0 0
INTEL CORP Equities 458140100 406 8,662 SH   SOLE   8,662 0 0
INTERNATIONAL BUSINESS MACHINES Equities 459200101 5 50 SH   DFND   50 0 0
INTERNATIONAL BUSINESS MACHINES Equities 459200101 295 2,602 SH   SOLE   2,602 0 0
IQ MERGER ARBITRAGE ETF Equities 45409B800 10,496 331,007 SH   SOLE   330,092 0 915
IQ MERGER ARBITRAGE ETF Equities 45409B800 49 1,550 SH   DFND   1,550 0 0
ISHARES MSCI EM MKTS Equities 464287234 1,949 49,900 SH   SOLE   49,850 0 50
ISHARES MSCI EM MKTS Equities 464287234 10 275 SH   DFND   275 0 0
ISHARES: COHEN & STEERS REIT Equities 464287564 3,955 41,332 SH   SOLE   41,297 0 35
ISHARES: COHEN & STEERS REIT Equities 464287564 19 200 SH   DFND   200 0 0
ISHARES: MSCI EAFE INDEX FUND Equities 464287465 2,174 36,989 SH   SOLE   36,989 0 0
ISHARES: MSCI EAFE SMALL CAP Equities 464288273 7,028 135,634 SH   SOLE   135,369 0 265
ISHARES: MSCI EAFE SMALL CAP Equities 464288273 20 400 SH   DFND   400 0 0
ISHARES: S&P 500 GROWTH INDEX Equities 464287309 1,451 9,636 SH   SOLE   9,636 0 0
ISHARES: S&P 500 INDEX Equities 464287200 5,848 23,244 SH   SOLE   23,244 0 0
ISHARES: S&P 500 VALUE INDEX Equities 464287408 596 5,899 SH   SOLE   5,899 0 0
ISHARES: S&P CA MUNI BOND FUND Equities 464288356 151 2,600 SH   DFND   2,600 0 0
ISHARES: S&P CA MUNI BOND FUND Equities 464288356 70 1,200 SH   SOLE   1,200 0 0
ISHARES: S&P MIDCAP 400 GROWTH Equities 464287606 3,868 20,232 SH   SOLE   20,172 0 60
ISHARES: S&P MIDCAP 400 GROWTH Equities 464287606 26 140 SH   DFND   140 0 0
ISHARES: S&P MIDCAP 400 INDEX Equities 464287507 26,180 157,655 SH   SOLE   157,455 0 200
ISHARES: S&P MIDCAP 400 INDEX Equities 464287507 58 350 SH   DFND   350 0 0
ISHARES: S&P SMALLCAP 600 INDEX Equities 464287804 17,901 258,251 SH   SOLE   258,001 0 250
ISHARES: S&P SMALLCAP 600 INDEX Equities 464287804 71 1,030 SH   DFND   1,030 0 0
JOHNSON & JOHNSON Equities 478160104 1,156 8,961 SH   SOLE   8,961 0 0
JOHNSON & JOHNSON Equities 478160104 232 1,800 SH   DFND   1,800 0 0
JP MORGAN CHASE & CO. Equities 46625H100 2,593 26,563 SH   SOLE   26,563 0 0
JP MORGAN CHASE & CO. Equities 46625H100 19 200 SH   DFND   200 0 0
LOWES COMPANIES INC. Equities 548661107 401 4,352 SH   SOLE   4,352 0 0
MCDONALDS CORP Equities 580135101 789 4,445 SH   SOLE   4,445 0 0
MCKESSON HBOC INC. Equities 58155Q103 534 4,838 SH   SOLE   4,838 0 0
MEDTRONIC PLC Equities G5960L103 660 7,263 SH   SOLE   7,263 0 0
MERCK Equities 58933Y105 403 5,275 SH   SOLE   5,275 0 0
MICRON TECHNOLOGY INC Equities 595112103 340 10,723 SH   SOLE   10,723 0 0
MICROSOFT CORP. Equities 594918104 1,691 16,657 SH   SOLE   16,657 0 0
MICROSOFT CORP. Equities 594918104 335 3,300 SH   DFND   3,300 0 0
MORNINGSTAR INC Equities 617700109 279 2,545 SH   SOLE   2,545 0 0
MYLAN N.V. Equities N59465109 202 7,385 SH   SOLE   7,385 0 0
NEXTERA ENERGY, INC. Equities 65339F101 934 5,374 SH   SOLE   5,374 0 0
NIKE INC. Equities 654106103 751 10,130 SH   SOLE   10,130 0 0
NORTHROP GRUMMAN CORP. Equities 666807102 301 1,232 SH   SOLE   1,232 0 0
ORACLE CORP Equities 68389X105 13 300 SH   DFND   300 0 0
ORACLE CORP Equities 68389X105 560 12,419 SH   SOLE   12,419 0 0
PACKAGING CORP OF AMERICA Equities 695156109 460 5,520 SH   SOLE   5,520 0 0
PARKER HANNIFIN CORP Equities 701094104 1,296 8,693 SH   SOLE   8,693 0 0
PAYPAL HOLDINGS Equities 70450Y103 344 4,092 SH   SOLE   4,092 0 0
PEPSICO INC Equities 713448108 744 6,735 SH   SOLE   6,735 0 0
PFIZER INC Equities 717081103 39 900 SH   DFND   900 0 0
PFIZER INC Equities 717081103 390 8,952 SH   SOLE   8,952 0 0
PHILLIPS 66 Equities 718546104 4 50 SH   DFND   50 0 0
PHILLIPS 66 Equities 718546104 1,102 12,800 SH   SOLE   12,800 0 0
PIMCO MUNI INC II Equities 72200W106 491 36,943 SH   SOLE   36,943 0 0
PPG IND INC Equities 693506107 1,368 13,384 SH   SOLE   13,384 0 0
PROCTER & GAMBLE COMPANY Equities 742718109 356 3,878 SH   SOLE   3,878 0 0
PROCTER & GAMBLE COMPANY Equities 742718109 110 1,200 SH   DFND   1,200 0 0
S&P GLOBAL Equities 78409V104 340 2,005 SH   SOLE   2,005 0 0
SCHLUMBERGER NV Equities 806857108 57 1,600 SH   DFND   1,600 0 0
SCHLUMBERGER NV Equities 806857108 239 6,648 SH   SOLE   6,648 0 0
SPDR BARCLAY'S CONVERTIBLE Equities 78464A359 1,028 21,980 SH   SOLE   21,980 0 0
SPDR BARCLAY'S CONVERTIBLE Equities 78464A359 18 400 SH   DFND   400 0 0
STRYKER CORP Equities 863667101 1,024 6,536 SH   SOLE   6,536 0 0
STRYKER CORP Equities 863667101 7 50 SH   DFND   50 0 0
SUNTRUST BANKS Equities 867914103 739 14,670 SH   SOLE   14,670 0 0
TRAVELERS COMPANIES INC Equities 89417E109 1,077 8,994 SH   SOLE   8,994 0 0
UNILEVER PLC SPON ADR Equities 904767704 483 9,245 SH   SOLE   9,245 0 0
UNITED TECHNOLOGIES CORP Equities 913017109 1,425 13,383 SH   SOLE   13,383 0 0
VANGUARD SHT-TRM INFL-PROT ETF Equities 922020805 263 5,500 SH   SOLE   5,500 0 0
VENTAS INC Equities 92276F100 1,663 28,399 SH   SOLE   28,399 0 0
VERIZON COMMUNICATIONS INC. Equities 92343V104 1,145 20,379 SH   SOLE   20,379 0 0
VERIZON COMMUNICATIONS INC. Equities 92343V104 73 1,300 SH   DFND   1,300 0 0
VISA INC Equities 92826C839 19 150 SH   DFND   150 0 0
VISA INC Equities 92826C839 3,254 24,666 SH   SOLE   24,666 0 0
WAL MART STORES, INC Equities 931142103 27 300 SH   DFND   300 0 0
WAL MART STORES, INC Equities 931142103 688 7,395 SH   SOLE   7,395 0 0
WASTE MANAGEMENT INC. Equities 94106L109 133 1,500 SH   DFND   1,500 0 0
WASTE MANAGEMENT INC. Equities 94106L109 76 856 SH   SOLE   856 0 0
WATERS CORP. Equities 941848103 991 5,258 SH   SOLE   5,258 0 0
WEC ENERGY GROUP INC Equities 92939U106 276 3,985 SH   SOLE   3,985 0 0
WILLIAMS-SONOMA INC Equities 969904101 258 5,130 SH   SOLE   5,130 0 0
WISDOMTREE EUROPE HEDGED EQ Equities 97717X701 3,072 54,439 SH   SOLE   54,389 0 50
YUM! BRANDS, INC. Equities 988498101 475 5,175 SH   SOLE   5,175 0 0