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 CO COM 88579Y101 2,892 17,356 SH   SOLE 1 16,756 0 600
3M CO COM 88579Y101 17,208 103,270 SH   DFND 2 103,270 0 0
ABBOTT LABS COM 002824100 3,837 91,720 SH   SOLE 1 88,280 0 3,440
ABBOTT LABS COM 002824100 1,421 33,975 SH   DFND 2 33,975 0 0
ABBVIE INC COM 00287Y109 7,751 135,690 SH   SOLE 1 130,700 0 4,990
ABBVIE INC COM 00287Y109 2,356 41,255 SH   DFND 2 41,255 0 0
ABM INDS INC COM 000957100 284 8,800 SH   SOLE 1 8,800 0 0
ADOBE SYS INC COM 00724F101 133 1,420 SH   SOLE 1 1,350 0 70
ADOBE SYS INC COM 00724F101 469 5,000 SH   DFND 2 5,000 0 0
AFLAC INC COM 001055102 4,211 66,700 SH   SOLE 1 64,500 0 2,200
AFLAC INC COM 001055102 25,774 408,200 SH   DFND 2 408,200 0 0
ALCOA INC COM 013817101 204 21,300 SH   SOLE 1 21,300 0 0
ALLERGAN PLC SHS G0177J108 1,367 5,100 SH   SOLE 1 4,052 0 1,048
ALLERGAN PLC SHS G0177J108 49 184 SH   DFND 2 184 0 0
ALPHABET INC CAP STK CL A 02079K305 1,483 1,944 SH   SOLE 1 1,734 0 210
ALPHABET INC CAP STK CL A 02079K305 196 257 SH   DFND 2 257 0 0
ALPHABET INC CAP STK CL C 02079K107 4,076 5,472 SH   SOLE 1 5,462 0 10
ALPHABET INC CAP STK CL C 02079K107 273 367 SH   DFND 2 367 0 0
ALTRIA GROUP INC COM 02209S103 1,896 30,260 SH   SOLE 1 30,260 0 0
ALTRIA GROUP INC COM 02209S103 20,866 333,000 SH   DFND 2 333,000 0 0
AMAZON COM INC COM 023135106 3,263 5,496 SH   SOLE 1 5,346 0 150
AMAZON COM INC COM 023135106 42 70 SH   DFND 2 70 0 0
AMERICA MOVIL SAB DE CV SPON ADR L SHS 02364W105 783 50,400 SH   SOLE 1 48,100 0 2,300
AMERICAN EXPRESS CO COM 025816109 570 9,288 SH   SOLE 1 9,288 0 0
AMGEN INC COM 031162100 4,046 26,984 SH   SOLE 1 24,834 0 2,150
AMGEN INC COM 031162100 30 200 SH   DFND 2 200 0 0
ANADARKO PETE CORP COM 032511107 3,776 81,072 SH   SOLE 1 79,272 0 1,800
ANADARKO PETE CORP COM 032511107 340 7,300 SH   DFND 2 7,300 0 0
AON PLC SHS CL A G0408V102 12,534 120,000 SH   DFND 2 120,000 0 0
APACHE CORP COM 037411105 1,113 22,795 SH   SOLE 1 20,295 0 2,500
APACHE CORP COM 037411105 117 2,400 SH   DFND 2 2,400 0 0
APPLE INC COM 037833100 14,843 136,184 SH   SOLE 1 129,283 0 6,901
APPLE INC COM 037833100 1,617 14,840 SH   DFND 2 14,840 0 0
AT&T INC COM 00206R102 9,864 251,825 SH   SOLE 1 235,598 0 16,227
AT&T INC COM 00206R102 11,089 283,100 SH   DFND 2 283,100 0 0
ATMOS ENERGY COR COM 049560105 869 11,700 SH   SOLE 1 9,600 0 2,100
AUTOMATIC DATA PROCESSING IN COM 053015103 1,968 21,940 SH   SOLE 1 20,440 0 1,500
AUTOMATIC DATA PROCESSING IN COM 053015103 4,257 47,450 SH   DFND 2 47,450 0 0
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101 68 10,477 SH   SOLE 1 10,000 0 477
BANK AMER CORP COM 060505104 3,455 255,571 SH   SOLE 1 247,171 0 8,400
BANK AMER CORP COM 060505104 8,574 634,200 SH   DFND 2 634,200 0 0
BAXALTA INC COM 07177M103 212 5,250 SH   SOLE 1 5,250 0 0
BAXALTA INC COM 07177M103 82 2,025 SH   DFND 2 2,025 0 0
BAXTER INTL INC COM 071813109 191 4,643 SH   SOLE 1 4,643 0 0
BAXTER INTL INC COM 071813109 83 2,025 SH   DFND 2 2,025 0 0
BECTON DICKINSON & CO COM 075887109 235 1,545 SH   SOLE 1 45 0 1,500
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 13,256 93,432 SH   SOLE 1 86,738 0 6,694
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 16,079 113,325 SH   DFND 2 113,325 0 0
BLACKROCK INC COM 09247X101 333 979 SH   SOLE 1 979 0 0
BP PLC SPONSORED ADR 055622104 385 12,773 SH   SOLE 1 12,773 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 1,115 17,450 SH   SOLE 1 14,370 0 3,080
BRISTOL MYERS SQUIBB CO COM 110122108 19,222 300,915 SH   DFND 2 300,915 0 0
BROADRIDGE FINL SOLUTIONS IN COM 11133T103 351 5,925 SH   SOLE 1 5,925 0 0
CALIFORNIA RES CORP COM 13057Q107 9 8,262 SH   SOLE 1 7,901 0 361
CALIFORNIA RES CORP COM 13057Q107 332 322,287 SH   DFND 2 322,287 0 0
CAMERON INTERNATIONAL CORP COM 13342B105 2,511 37,450 SH   SOLE 1 37,050 0 400
CAMERON INTERNATIONAL CORP COM 13342B105 2,561 38,200 SH   DFND 2 38,200 0 0
CARBO CERAMICS INC COM 140781105 599 42,210 SH   SOLE 1 38,210 0 4,000
CARBO CERAMICS INC COM 140781105 16 1,100 SH   DFND 2 1,100 0 0
CDK GLOBAL INC COM 12508E101 174 3,739 SH   SOLE 1 3,373 0 366
CDK GLOBAL INC COM 12508E101 33 716 SH   DFND 2 716 0 0
CHEVRON CORP NEW COM 166764100 2,049 21,483 SH   SOLE 1 21,083 0 400
CHEVRON CORP NEW COM 166764100 410 4,300 SH   DFND 2 4,300 0 0
CHINA CERAMICS CO LTD SHS G2113X100 6 15,500 SH   SOLE 1 15,500 0 0
CHUBB LIMITED COM H1467J104 2,164 18,163 SH   SOLE 1 17,743 0 420
CHUBB LIMITED COM H1467J104 24,935 209,274 SH   DFND 2 209,274 0 0
CISCO SYS INC COM 17275R102 6,537 229,597 SH   SOLE 1 219,197 0 10,400
CISCO SYS INC COM 17275R102 427 15,000 SH   DFND 2 15,000 0 0
CITIGROUP INC COM NEW 172967424 271 6,492 SH   SOLE 1 6,492 0 0
CITIGROUP INC COM NEW 172967424 15 360 SH   DFND 2 360 0 0
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2016 18383M555 702 31,845 SH   SOLE 1 26,245 0 5,600
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2017 18383M548 901 39,795 SH   SOLE 1 39,795 0 0
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2017 18383M548 100 4,400 SH   DFND 2 4,400 0 0
COACH INC COM 189754104 5,076 126,625 SH   SOLE 1 119,425 0 7,200
COACH INC COM 189754104 1,251 31,200 SH   DFND 2 31,200 0 0
COCA COLA CO COM 191216100 1,373 29,597 SH   SOLE 1 29,471 0 126
COCA COLA CO COM 191216100 1,613 34,776 SH   DFND 2 34,776 0 0
COLGATE PALMOLIVE CO COM 194162103 1,864 26,380 SH   SOLE 1 25,380 0 1,000
COMCAST CORP NEW CL A 20030N101 845 13,835 SH   SOLE 1 12,435 0 1,400
COMCAST CORP NEW CL A 20030N101 5,363 87,800 SH   DFND 2 87,800 0 0
CONOCOPHILLIPS COM 20825C104 3,119 77,454 SH   SOLE 1 74,834 0 2,620
CONOCOPHILLIPS COM 20825C104 10,410 258,500 SH   DFND 2 258,500 0 0
COSTCO WHSL CORP NEW COM 22160K105 71 450 SH   SOLE 1 450 0 0
COSTCO WHSL CORP NEW COM 22160K105 408 2,590 SH   DFND 2 2,590 0 0
CULLEN FROST BANKERS INC COM 229899109 6,198 112,473 SH   SOLE 1 106,513 0 5,960
CULLEN FROST BANKERS INC COM 229899109 9,173 166,450 SH   DFND 2 166,450 0 0
CVS HEALTH CORP COM 126650100 846 8,155 SH   SOLE 1 8,155 0 0
CVS HEALTH CORP COM 126650100 11 105 SH   DFND 2 105 0 0
DANAHER CORP DEL COM 235851102 497 5,240 SH   SOLE 1 5,240 0 0
DANAHER CORP DEL COM 235851102 43 450 SH   DFND 2 450 0 0
DEVON ENERGY CORP NEW COM 25179M103 1,485 54,114 SH   SOLE 1 50,714 0 3,400
DEVON ENERGY CORP NEW COM 25179M103 263 9,600 SH   DFND 2 9,600 0 0
DIAGEO P L C SPON ADR NEW 25243Q205 4,624 42,865 SH   SOLE 1 40,065 0 2,800
DIAGEO P L C SPON ADR NEW 25243Q205 2,060 19,100 SH   DFND 2 19,100 0 0
DISCOVER FINL SVCS COM 254709108 1,042 20,460 SH   SOLE 1 20,460 0 0
DISNEY WALT CO COM DISNEY 254687106 1,366 13,750 SH   SOLE 1 12,250 0 1,500
DOMINION RES INC VA NEW COM 25746U109 677 9,006 SH   SOLE 1 8,006 0 1,000
DOMINION RES INC VA NEW COM 25746U109 451 6,000 SH   DFND 2 6,000 0 0
DONNELLEY R R & SONS CO COM 257867101 213 13,000 SH   SOLE 1 13,000 0 0
DOVER CORP COM 260003108 225 3,500 SH   SOLE 1 3,500 0 0
DOW CHEM CO COM 260543103 315 6,195 SH   SOLE 1 6,195 0 0
DR PEPPER SNAPPLE GROUP INC COM 26138E109 1,213 13,560 SH   SOLE 1 13,560 0 0
DUKE REALTY CORP COM NEW 264411505 822 36,450 SH   SOLE 1 29,900 0 6,550
DUKE REALTY CORP COM NEW 264411505 68 3,000 SH   DFND 2 3,000 0 0
E M C CORP MASS COM 268648102 642 24,078 SH   SOLE 1 23,778 0 300
EBAY INC COM 278642103 2,672 112,007 SH   SOLE 1 112,007 0 0
EBAY INC COM 278642103 1,167 48,901 SH   DFND 2 48,901 0 0
EMERSON ELEC CO COM 291011104 8,389 154,275 SH   SOLE 1 146,425 0 7,850
EMERSON ELEC CO COM 291011104 1,359 25,000 SH   DFND 2 25,000 0 0
ENDO INTL PLC SHS G30401106 2,066 73,394 SH   SOLE 1 70,844 0 2,550
ENDO INTL PLC SHS G30401106 104 3,700 SH   DFND 2 3,700 0 0
ENTERGY CORP NEW COM 29364G103 217 2,736 SH   SOLE 1 2,736 0 0
ENTERGY CORP NEW COM 29364G103 40 500 SH   DFND 2 500 0 0
EOG RES INC COM 26875P101 175 2,414 SH   SOLE 1 2,414 0 0
EOG RES INC COM 26875P101 105 1,450 SH   DFND 2 1,450 0 0
EVEREST RE GROUP LTD COM G3223R108 424 2,150 SH   SOLE 1 1,750 0 400
EVEREST RE GROUP LTD COM G3223R108 12,004 60,800 SH   DFND 2 60,800 0 0
EXPRESS SCRIPTS HLDG CO COM 30219G108 201 2,928 SH   SOLE 1 2,928 0 0
EXPRESS SCRIPTS HLDG CO COM 30219G108 39 565 SH   DFND 2 565 0 0
EXXON MOBIL CORP COM 30231G102 8,263 98,852 SH   SOLE 1 90,281 0 8,571
EXXON MOBIL CORP COM 30231G102 3,057 36,570 SH   DFND 2 36,570 0 0
FEDEX CORP COM 31428X106 414 2,545 SH   SOLE 1 2,395 0 150
FEDEX CORP COM 31428X106 39 240 SH   DFND 2 240 0 0
FEI CO COM 30241L109 2,347 26,370 SH   SOLE 1 23,570 0 2,800
FEI CO COM 30241L109 109 1,225 SH   DFND 2 1,225 0 0
FIDELITY NATL INFORMATION SV COM 31620M106 228 3,605 SH   SOLE 1 3,605 0 0
FLUOR CORP NEW COM 343412102 6,730 125,335 SH   SOLE 1 116,585 0 8,750
FLUOR CORP NEW COM 343412102 11,449 213,200 SH   DFND 2 213,200 0 0
FORD MTR CO DEL COM PAR $0.01 345370860 136 10,048 SH   SOLE 1 10,048 0 0
FREEPORT-MCMORAN INC CL B 35671D857 1,248 120,687 SH   SOLE 1 111,287 0 9,400
FREEPORT-MCMORAN INC CL B 35671D857 3,146 304,300 SH   DFND 2 304,300 0 0
FRONTIER COMMUNICATIONS CORP COM 35906A108 153 27,320 SH   SOLE 1 26,840 0 480
FRONTIER COMMUNICATIONS CORP COM 35906A108 8 1,368 SH   DFND 2 1,368 0 0
GENERAL DYNAMICS CORP COM 369550108 381 2,900 SH   SOLE 1 2,300 0 600
GENERAL ELECTRIC CO COM 369604103 8,981 282,516 SH   SOLE 1 272,716 0 9,800
GENERAL ELECTRIC CO COM 369604103 22,325 702,270 SH   DFND 2 702,270 0 0
GENUINE PARTS CO COM 372460105 439 4,418 SH   SOLE 1 4,418 0 0
GILEAD SCIENCES INC COM 375558103 491 5,341 SH   SOLE 1 5,341 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 216 1,375 SH   SOLE 1 1,375 0 0
GRAINGER W W INC COM 384802104 327 1,400 SH   DFND 2 1,400 0 0
HALCON RES CORP COM PAR 40537Q506 10 10,720 SH   SOLE 1 10,720 0 0
HELIX ENERGY SOLUTIONS GRP I COM 42330P107 514 91,700 SH   SOLE 1 87,150 0 4,550
HOLLYFRONTIER CORP COM 436106108 534 15,115 SH   SOLE 1 15,115 0 0
HOLLYFRONTIER CORP COM 436106108 491,150 13,905,708 SH   DFND 2 13,905,708 0 0
INDEPENDENT BANK CORP MASS COM 453836108 249 5,425 SH   SOLE 1 5,425 0 0
INTEL CORP COM 458140100 6,225 192,416 SH   SOLE 1 178,601 0 13,815
INTEL CORP COM 458140100 12,940 400,000 SH   DFND 2 400,000 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 311 1,321 SH   SOLE 1 1,321 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 34 145 SH   DFND 2 145 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 8,007 52,871 SH   SOLE 1 49,221 0 3,650
INTERNATIONAL BUSINESS MACHS COM 459200101 55,216 364,584 SH   DFND 2 364,584 0 0
ISHARES MSCI PAC JP ETF 464286665 2,105 53,677 SH   SOLE 1 47,477 0 6,200
ISHARES MSCI PAC JP ETF 464286665 147 3,750 SH   DFND 2 3,750 0 0
ISHARES TR 1-3 YR CR BD ETF 464288646 19,053 180,736 SH   SOLE 1 171,916 0 8,820
ISHARES TR 1-3 YR CR BD ETF 464288646 614 5,825 SH   DFND 2 5,825 0 0
ISHARES TR CHINA LG-CAP ETF 464287184 790 23,400 SH   SOLE 1 23,000 0 400
ISHARES TR CORE S&P MCP ETF 464287507 256 1,773 SH   SOLE 1 1,721 0 52
ISHARES TR CORE S&P SCP ETF 464287804 729 6,478 SH   SOLE 1 6,414 0 64
ISHARES TR CORE S&P500 ETF 464287200 479 2,320 SH   SOLE 1 2,250 0 70
ISHARES TR MSCI EAFE ETF 464287465 3,125 54,673 SH   SOLE 1 54,573 0 100
ISHARES TR MSCI EAFE ETF 464287465 143 2,500 SH   DFND 2 2,500 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 3,547 103,549 SH   SOLE 1 99,949 0 3,600
ISHARES TR MSCI EMG MKT ETF 464287234 55 1,600 SH   DFND 2 1,600 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 206 2,212 SH   SOLE 1 2,212 0 0
ISHARES TR SP SMCP600GR ETF 464287887 217 1,750 SH   SOLE 1 1,750 0 0
ISHARES TR U.S. PFD STK ETF 464288687 2,499 64,025 SH   SOLE 1 60,825 0 3,200
ISHARES TR U.S. PFD STK ETF 464288687 63 1,610 SH   DFND 2 1,610 0 0
JOHNSON & JOHNSON COM 478160104 4,573 42,266 SH   SOLE 1 39,676 0 2,590
JOHNSON & JOHNSON COM 478160104 4,578 42,315 SH   DFND 2 42,315 0 0
JPMORGAN CHASE & CO COM 46625H100 2,824 47,685 SH   SOLE 1 43,535 0 4,150
JPMORGAN CHASE & CO COM 46625H100 18,379 310,345 SH   DFND 2 310,345 0 0
KAYNE ANDERSON MLP INVT CO COM 486606106 4,406 265,900 SH   SOLE 1 253,200 0 12,700
KAYNE ANDERSON MLP INVT CO COM 486606106 599 36,150 SH   DFND 2 36,150 0 0
KIMBERLY CLARK CORP COM 494368103 513 3,814 SH   SOLE 1 3,779 0 35
KINDER MORGAN INC DEL COM 49456B101 520 29,100 SH   SOLE 1 28,800 0 300
KRAFT HEINZ CO COM 500754106 589 7,493 SH   SOLE 1 7,254 0 239
KRAFT HEINZ CO COM 500754106 4,803 61,136 SH   DFND 2 61,136 0 0
LIBERTY INTERACTIVE CORP LBT VENT COM A 53071M880 28 705 SH   SOLE 1 705 0 0
LIBERTY INTERACTIVE CORP LBT VENT COM A 53071M880 449 11,485 SH   DFND 2 11,485 0 0
LIBERTY INTERACTIVE CORP QVC GP COM SER A 53071M104 87 3,447 SH   SOLE 1 3,447 0 0
LIBERTY INTERACTIVE CORP QVC GP COM SER A 53071M104 1,866 73,900 SH   DFND 2 73,900 0 0
LOWES COS INC COM 548661107 4,123 54,428 SH   SOLE 1 48,028 0 6,400
LOWES COS INC COM 548661107 136 1,800 SH   DFND 2 1,800 0 0
MARATHON PETE CORP COM 56585A102 5,880 158,144 SH   SOLE 1 150,794 0 7,350
MARATHON PETE CORP COM 56585A102 446 12,000 SH   DFND 2 12,000 0 0
MARSH & MCLENNAN COS INC COM 571748102 470 7,738 SH   SOLE 1 7,738 0 0
MASCO CORP COM 574599106 292 9,300 SH   SOLE 1 9,300 0 0
MAXIM INTEGRATED PRODS INC COM 57772K101 3,377 91,819 SH   SOLE 1 89,119 0 2,700
MAXIM INTEGRATED PRODS INC COM 57772K101 125 3,393 SH   DFND 2 3,393 0 0
MCDONALDS CORP COM 580135101 559 4,450 SH   SOLE 1 4,400 0 50
MCDONALDS CORP COM 580135101 39 310 SH   DFND 2 310 0 0
MEDTRONIC PLC SHS G5960L103 2,114 28,184 SH   SOLE 1 22,997 0 5,187
MERCK & CO INC NEW COM 58933Y105 3,163 59,776 SH   SOLE 1 55,495 0 4,281
MERCK & CO INC NEW COM 58933Y105 7,698 145,485 SH   DFND 2 145,485 0 0
MICROSOFT CORP COM 594918104 11,305 204,691 SH   SOLE 1 192,766 0 11,925
MICROSOFT CORP COM 594918104 25,318 458,405 SH   DFND 2 458,405 0 0
MONDELEZ INTL INC CL A 609207105 721 17,966 SH   SOLE 1 16,528 0 1,438
MONDELEZ INTL INC CL A 609207105 7,358 183,408 SH   DFND 2 183,408 0 0
MONSANTO CO NEW COM 61166W101 223 2,542 SH   SOLE 1 2,542 0 0
MORGAN STANLEY COM NEW 617446448 538 21,500 SH   SOLE 1 21,500 0 0
NEXTERA ENERGY INC COM 65339F101 5,216 44,078 SH   SOLE 1 41,978 0 2,100
NEXTERA ENERGY INC COM 65339F101 2,059 17,400 SH   DFND 2 17,400 0 0
NIKE INC CL B 654106103 527 8,568 SH   SOLE 1 7,968 0 600
NIKE INC CL B 654106103 17 280 SH   DFND 2 280 0 0
NOKIA CORP SPONSORED ADR 654902204 378 64,000 SH   SOLE 1 61,000 0 3,000
NOVARTIS A G SPONSORED ADR 66987V109 5,137 70,918 SH   SOLE 1 66,758 0 4,160
NOVARTIS A G SPONSORED ADR 66987V109 25,685 354,575 SH   DFND 2 354,575 0 0
OCCIDENTAL PETE CORP DEL COM 674599105 5,263 76,905 SH   SOLE 1 73,455 0 3,450
OCCIDENTAL PETE CORP DEL COM 674599105 15,296 223,525 SH   DFND 2 223,525 0 0
OLD REP INTL CORP COM 680223104 7,603 415,900 SH   SOLE 1 403,700 0 12,200
OLD REP INTL CORP COM 680223104 13,009 711,628 SH   DFND 2 711,628 0 0
ORACLE CORP COM 68389X105 229 5,607 SH   SOLE 1 4,909 0 698
ORACLE CORP COM 68389X105 36 875 SH   DFND 2 875 0 0
PAYPAL HLDGS INC COM 70450Y103 5,340 138,347 SH   SOLE 1 135,347 0 3,000
PAYPAL HLDGS INC COM 70450Y103 2,100 54,401 SH   DFND 2 54,401 0 0
PEPSICO INC COM 713448108 4,534 44,241 SH   SOLE 1 38,241 0 6,000
PEPSICO INC COM 713448108 16,297 159,025 SH   DFND 2 159,025 0 0
PFIZER INC COM 717081103 5,588 188,526 SH   SOLE 1 173,776 0 14,750
PFIZER INC COM 717081103 25,627 864,600 SH   DFND 2 864,600 0 0
PHILIP MORRIS INTL INC COM 718172109 2,880 29,359 SH   SOLE 1 27,359 0 2,000
PHILIP MORRIS INTL INC COM 718172109 16,443 167,600 SH   DFND 2 167,600 0 0
PHILLIPS 66 COM 718546104 2,554 29,495 SH   SOLE 1 28,835 0 660
PHILLIPS 66 COM 718546104 9,884 114,150 SH   DFND 2 114,150 0 0
POWERSHARES QQQ TRUST UNIT SER 1 73935A104 300 2,750 SH   SOLE 1 2,750 0 0
PRAXAIR INC COM 74005P104 4,509 39,398 SH   SOLE 1 36,823 0 2,575
PRAXAIR INC COM 74005P104 12,352 107,925 SH   DFND 2 107,925 0 0
PRICE T ROWE GROUP INC COM 74144T108 5,955 81,060 SH   SOLE 1 76,160 0 4,900
PRICE T ROWE GROUP INC COM 74144T108 288 3,925 SH   DFND 2 3,925 0 0
PROCTER & GAMBLE CO COM 742718109 6,793 82,531 SH   SOLE 1 81,521 0 1,010
PROCTER & GAMBLE CO COM 742718109 1,157 14,051 SH   DFND 2 14,051 0 0
PROGRESSIVE CORP OHIO COM 743315103 54 1,525 SH   SOLE 1 1,525 0 0
PROGRESSIVE CORP OHIO COM 743315103 219 6,225 SH   DFND 2 6,225 0 0
QUALCOMM INC COM 747525103 4,453 87,083 SH   SOLE 1 83,353 0 3,730
QUALCOMM INC COM 747525103 707 13,825 SH   DFND 2 13,825 0 0
REGIONS FINL CORP NEW COM 7591EP100 78 10,000 SH   SOLE 1 10,000 0 0
RENAISSANCERE HOLDINGS LTD COM G7496G103 17,974 150,000 SH   DFND 2 150,000 0 0
RETRACTABLE TECHNOLOGIES INC COM 76129W105 32 15,000 SH   SOLE 1 15,000 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 306 6,314 SH   SOLE 1 6,114 0 200
SALESFORCE COM INC COM 79466L302 854 11,565 SH   SOLE 1 11,495 0 70
SALESFORCE COM INC COM 79466L302 7 100 SH   DFND 2 100 0 0
SCHLUMBERGER LTD COM 806857108 7,302 99,015 SH   SOLE 1 93,215 0 5,800
SCHLUMBERGER LTD COM 806857108 1,733 23,500 SH   DFND 2 23,500 0 0
SERVICE CORP INTL COM 817565104 210 8,500 SH   SOLE 1 8,500 0 0
SONOCO PRODS CO COM 835495102 347 7,152 SH   SOLE 1 6,152 0 1,000
SOUTHERN CO COM 842587107 4,486 86,725 SH   SOLE 1 84,025 0 2,700
SOUTHERN CO COM 842587107 285 5,500 SH   DFND 2 5,500 0 0
SOUTHWEST AIRLS CO COM 844741108 814 18,171 SH   SOLE 1 18,171 0 0
SOUTHWESTERN ENERGY CO COM 845467109 2,172 269,154 SH   SOLE 1 262,654 0 6,500
SOUTHWESTERN ENERGY CO COM 845467109 197 24,350 SH   DFND 2 24,350 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 309 2,625 SH   SOLE 1 2,625 0 0
SPDR SERIES TRUST S&P DIVID ETF 78464A763 320 4,000 SH   SOLE 1 4,000 0 0
SPECTRA ENERGY CORP COM 847560109 331 10,829 SH   SOLE 1 10,829 0 0
SPECTRA ENERGY CORP COM 847560109 6 183 SH   DFND 2 183 0 0
STARBUCKS CORP COM 855244109 562 9,406 SH   SOLE 1 9,406 0 0
STRYKER CORP COM 863667101 2,285 21,298 SH   SOLE 1 18,748 0 2,550
STRYKER CORP COM 863667101 91 850 SH   DFND 2 850 0 0
SUMMIT FINANCIAL GROUP INC COM 86606G101 193 12,500 SH   SOLE 1 0 0 12,500
SYSCO CORP COM 871829107 1,143 24,464 SH   SOLE 1 20,664 0 3,800
TARGET CORP COM 87612E106 5,692 69,182 SH   SOLE 1 66,082 0 3,100
TARGET CORP COM 87612E106 971 11,800 SH   DFND 2 11,800 0 0
TEVA PHARMACEUTICAL INDS LTD ADR 881624209 4,802 89,738 SH   SOLE 1 86,460 0 3,278
TEVA PHARMACEUTICAL INDS LTD ADR 881624209 2,171 40,568 SH   DFND 2 40,568 0 0
TEXAS INSTRS INC COM 882508104 2,997 52,200 SH   SOLE 1 50,630 0 1,570
TEXAS INSTRS INC COM 882508104 2,297 40,000 SH   DFND 2 40,000 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 283 2,000 SH   SOLE 1 2,000 0 0
TIFFANY & CO NEW COM 886547108 2,394 32,624 SH   SOLE 1 29,500 0 3,124
TIFFANY & CO NEW COM 886547108 132 1,800 SH   DFND 2 1,800 0 0
TRINITY INDS INC COM 896522109 4,249 232,050 SH   SOLE 1 219,450 0 12,600
TRINITY INDS INC COM 896522109 5,777 315,500 SH   DFND 2 315,500 0 0
UNITED PARCEL SERVICE INC CL B 911312106 4,193 39,758 SH   SOLE 1 37,008 0 2,750
UNITED PARCEL SERVICE INC CL B 911312106 1,305 12,375 SH   DFND 2 12,375 0 0
UNITED TECHNOLOGIES CORP COM 913017109 2,289 22,868 SH   SOLE 1 22,060 0 808
UNITED TECHNOLOGIES CORP COM 913017109 284 2,836 SH   DFND 2 2,836 0 0
UNITEDHEALTH GROUP INC COM 91324P102 791 6,140 SH   SOLE 1 5,840 0 300
UNITEDHEALTH GROUP INC COM 91324P102 19 150 SH   DFND 2 150 0 0
US BANCORP DEL COM NEW 902973304 485 11,953 SH   SOLE 1 11,953 0 0
US BANCORP DEL COM NEW 902973304 639 15,740 SH   DFND 2 15,740 0 0
V F CORP COM 918204108 309 4,775 SH   SOLE 1 4,775 0 0
V F CORP COM 918204108 16 250 SH   DFND 2 250 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 21,149 262,292 SH   SOLE 1 255,372 0 6,920
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 742 9,200 SH   DFND 2 9,200 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,020 18,855 SH   SOLE 1 16,733 0 2,122
VERIZON COMMUNICATIONS INC COM 92343V104 356 6,575 SH   DFND 2 6,575 0 0
VISA INC COM CL A 92826C839 979 12,796 SH   SOLE 1 12,796 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108 8,321 98,776 SH   SOLE 1 94,171 0 4,605
WALGREENS BOOTS ALLIANCE INC COM 931427108 29,484 350,000 SH   DFND 2 350,000 0 0
WAL-MART STORES INC COM 931142103 3,718 54,281 SH   SOLE 1 52,746 0 1,535
WAL-MART STORES INC COM 931142103 3,887 56,760 SH   DFND 2 56,760 0 0
WASTE MGMT INC DEL COM 94106L109 6,638 112,510 SH   SOLE 1 106,860 0 5,650
WASTE MGMT INC DEL COM 94106L109 24,562 416,300 SH   DFND 2 416,300 0 0
WEATHERFORD INTL PLC ORD SHS G48833100 1,092 140,361 SH   SOLE 1 136,961 0 3,400
WEATHERFORD INTL PLC ORD SHS G48833100 78 10,000 SH   DFND 2 10,000 0 0
WELLS FARGO & CO NEW COM 949746101 933 19,284 SH   SOLE 1 19,134 0 150
WELLS FARGO & CO NEW COM 949746101 213 4,395 SH   DFND 2 4,395 0 0
WESTERN UN CO COM 959802109 2,713 140,661 SH   SOLE 1 135,561 0 5,100
WESTERN UN CO COM 959802109 5,941 308,000 SH   DFND 2 308,000 0 0
WEYERHAEUSER CO COM 962166104 314 10,140 SH   SOLE 1 10,140 0 0
WILLIAMS COS INC DEL COM 969457100 2,821 175,554 SH   SOLE 1 166,954 0 8,600
WILLIAMS COS INC DEL COM 969457100 11,460 713,100 SH   DFND 2 713,100 0 0
WPX ENERGY INC COM 98212B103 549 78,512 SH   SOLE 1 75,763 0 2,749
WPX ENERGY INC COM 98212B103 1,794 256,632 SH   DFND 2 256,632 0 0
ZOETIS INC CL A 98978V103 1,412 31,850 SH   SOLE 1 28,150 0 3,700
ZOETIS INC CL A 98978V103 80 1,800 SH   DFND 2 1,800 0 0