Cit Bank, Na Wealth Management 13F-HR Quarterly holdings report by institutional manager

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
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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	2,115	59,766	SH		SOLE		59,766	0	0
AT&T INC	COMMON STOCK	00206R102	82	2,318	SH		DFND		2,318	0	0
ABBOTT LABORATORIES	COMMON STOCK	002824100	3,901	111,849	SH		SOLE		111,849	0	0
ABBOTT LABORATORIES	COMMON STOCK	002824100	324	9,300	SH		DFND		9,300	0	0
ALCOA INC	COMMON STOCK	013817101	174	22,275	SH		SOLE		22,275	0	0
ALTRIA GROUP INC	COMMON STOCK	02209S103	754	21,543	SH		SOLE		21,543	0	0
ALTRIA GROUP INC	COMMON STOCK	02209S103	350	10,000	SH		DFND		10,000	0	0
AMEREN CORP	COMMON STOCK	023608102	340	9,875	SH		SOLE		9,875	0	0
AMERICAN ELECTRIC POWER	COMMON STOCK	025537101	1,271	28,390	SH		SOLE		27,985	0	405
AMERICAN ELECTRIC POWER	COMMON STOCK	025537101	45	1,000	SH		DFND		1,000	0	0
AMERICAN EXPRESS CO	COMMON STOCK	025816109	1,316	17,600	SH		SOLE		17,600	0	0
AMERICAN EXPRESS CO	COMMON STOCK	025816109	224	2,994	SH		DFND		2,994	0	0
AMETEK INC	COMMON STOCK	031100100	570	13,483	SH		SOLE		13,483	0	0
APPLE INC	COMMON STOCK	037833100	496	1,250	SH		SOLE		1,250	0	0
BP PLC SPON ADR (UK)	FOREIGN EQUITY - COMMON	055622104	604	14,466	SH		SOLE		14,466	0	0
BANK OF AMERICA CORP	COMMON STOCK	060505104	1,036	80,529	SH		SOLE		80,529	0	0
BAXTER INTL	COMMON STOCK	071813109	360	5,200	SH		SOLE		5,200	0	0
BAXTER INTL	COMMON STOCK	071813109	139	2,000	SH		DFND		2,000	0	0
BERKSHIRE HATHAWAY INC CL A	COMMON STOCK	084670108	1,180	7	SH		SOLE		7	0	0
BOEING CO	COMMON STOCK	097023105	353	3,450	SH		SOLE		3,450	0	0
BOEING CO	COMMON STOCK	097023105	51	500	SH		DFND		500	0	0
BRISTOL-MYERS SQUIBB CO	COMMON STOCK	110122108	1,954	43,726	SH		SOLE		43,726	0	0
BRISTOL-MYERS SQUIBB CO	COMMON STOCK	110122108	67	1,500	SH		DFND		1,500	0	0
CATERPILLAR TRACTOR	COMMON STOCK	149123101	100	1,210	SH		SOLE		1,210	0	0
CATERPILLAR TRACTOR	COMMON STOCK	149123101	165	2,000	SH		DFND		2,000	0	0
CHEVRON CORP	COMMON STOCK	166764100	3,240	27,383	SH		SOLE		27,383	0	0
CHEVRON CORP	COMMON STOCK	166764100	253	2,140	SH		DFND		2,140	0	0
CISCO SYSTEMS INC	COMMON STOCK	17275R102	265	10,898	SH		SOLE		10,898	0	0
CISCO SYSTEMS INC	COMMON STOCK	17275R102	94	3,850	SH		DFND		3,850	0	0
COCA-COLA CO	COMMON STOCK	191216100	3,812	95,032	SH		SOLE		95,032	0	0
COCA-COLA CO	COMMON STOCK	191216100	558	13,900	SH		DFND		13,900	0	0
CONAGRA INC	COMMON STOCK	205887102	349	10,003	SH		SOLE		10,003	0	0
CONAGRA INC	COMMON STOCK	205887102	17	500	SH		DFND		500	0	0
CONOCOPHILLIPS	COMMON STOCK	20825C104	921	15,216	SH		SOLE		15,216	0	0
DOW CHEMICAL CO	COMMON STOCK	260543103	921	28,637	SH		SOLE		28,637	0	0
DOW CHEMICAL CO	COMMON STOCK	260543103	46	1,441	SH		DFND		1,441	0	0
DREYFUS STRATEGIC MUNI INC	CLOSED END FUND - TAX EXEMPT	261932107	237	27,500	SH		SOLE		27,500	0	0
DREYFUS MUNI INCOME INC	CLOSED END FUND - TAX EXEMPT	26201R102	196	21,000	SH		SOLE		21,000	0	0
DU PONT (E I) DE NEMOURS	COMMON STOCK	263534109	1,610	30,658	SH		SOLE		30,658	0	0
EMERSON ELECTRIC CO	COMMON STOCK	291011104	1,019	18,680	SH		SOLE		18,680	0	0
ENTERPRISE PRODUCTS PARTNERS LP	EXCHANGE TRADED LP	293792107	367	5,907	SH		SOLE		5,907	0	0
EXELON CORP	COMMON STOCK	30161N101	358	11,584	SH		SOLE		11,584	0	0
EXXON MOBIL CORP	COMMON STOCK	30231G102	4,426	48,987	SH		SOLE		48,987	0	0
EXXON MOBIL CORP	COMMON STOCK	30231G102	1,638	18,129	SH		DFND		18,129	0	0
FIRSTENERGY CORP	COMMON STOCK	337932107	266	7,135	SH		SOLE		7,135	0	0
FORD MOTOR	COMMON STOCK	345370860	1,817	117,430	SH		SOLE		117,430	0	0
FORD MOTOR	COMMON STOCK	345370860	15	978	SH		DFND		978	0	0
GANNETT CO	COMMON STOCK	364730101	229	9,385	SH		SOLE		9,385	0	0
GANNETT CO	COMMON STOCK	364730101	12	500	SH		DFND		500	0	0
GENERAL ELECTRIC CO	COMMON STOCK	369604103	3,938	169,869	SH		SOLE		169,869	0	0
GENERAL ELECTRIC CO	COMMON STOCK	369604103	961	41,470	SH		DFND		41,470	0	0
HEARTLAND EXPRESS	COMMON STOCK	422347104	265	19,100	SH		SOLE		19,100	0	0
HEWLETT PACKARD CO	COMMON STOCK	428236103	59	2,400	SH		SOLE		2,400	0	0
HEWLETT PACKARD CO	COMMON STOCK	428236103	471	19,000	SH		DFND		19,000	0	0
HOME DEPOT INC	COMMON STOCK	437076102	1,288	16,625	SH		SOLE		16,625	0	0
HOME DEPOT INC	COMMON STOCK	437076102	62	800	SH		DFND		800	0	0
HONEYWELL INTL INC	COMMON STOCK	438516106	67	850	SH		SOLE		850	0	0
HONEYWELL INTL INC	COMMON STOCK	438516106	143	1,800	SH		DFND		1,800	0	0
HOSPIRA INC	COMMON STOCK	441060100	398	10,379	SH		SOLE		10,379	0	0
HOSPIRA INC	COMMON STOCK	441060100	33	850	SH		DFND		850	0	0
HUBBELL INC	COMMON STOCK	443510201	772	7,800	SH		SOLE		7,800	0	0
HUBBELL INC	COMMON STOCK	443510201	252	2,548	SH		DFND		2,548	0	0
INTEL CORP	COMMON STOCK	458140100	1,914	79,021	SH		SOLE		79,021	0	0
INTL BUSINESS MACHINES	COMMON STOCK	459200101	795	4,158	SH		SOLE		4,158	0	0
INTL BUSINESS MACHINES	COMMON STOCK	459200101	692	3,623	SH		DFND		3,623	0	0
ISHARES MSCI AUSTRALIA INDEX	ETF - EQUITY	464286103	688	30,485	SH		SOLE		30,485	0	0
ISHARES MSCI CANADA INDEX FD	ETF - EQUITY	464286509	213	8,135	SH		SOLE		8,135	0	0
ISHARES DJ SELECT DIVIDEND	ETF - EQUITY	464287168	1,193	18,636	SH		SOLE		18,636	0	0
ISHARES BARCLAYS US TIPS BOND FUND	ETF - FIXED INCOME TAXABLE	464287176	1,052	9,388	SH		SOLE		9,388	0	0
ISHARES BARCLAYS US TIPS BOND FUND	ETF - FIXED INCOME TAXABLE	464287176	6	50	SH		DFND		50	0	0
ISHARES TR CORE TOTAL US BOND MKT ETF	ETF - FIXED INCOME TAXABLE	464287226	13,814	128,849	SH		SOLE		128,849	0	0
ISHARES TR CORE TOTAL US BOND MKT ETF	ETF - FIXED INCOME TAXABLE	464287226	1,426	13,300	SH		DFND		13,300	0	0
ISHARES MSCI EMERGING MARKETINDEX	ETF - EQUITY	464287234	1,259	32,713	SH		SOLE		32,713	0	0
ISHARES MSCI EMERGING MARKETINDEX	ETF - EQUITY	464287234	131	3,405	SH		DFND		3,405	0	0
ISHARES IBOXX INVT GRADE CORPORATE BOND	ETF - FIXED INCOME TAXABLE	464287242	7,849	69,064	SH		SOLE		69,064	0	0
ISHARES IBOXX INVT GRADE CORPORATE BOND	ETF - FIXED INCOME TAXABLE	464287242	780	6,865	SH		DFND		6,865	0	0
ISHARES S&P GLOBAL ENERGY SECTOR INDEX FUND	ETF - EQUITY	464287341	165	4,324	SH		SOLE		4,324	0	0
ISHARES S&P GLOBAL ENERGY SECTOR INDEX FUND	ETF - EQUITY	464287341	34	900	SH		DFND		900	0	0
MSCI EAFE INDEX ISHARES	ETF - EQUITY	464287465	3,365	58,738	SH		SOLE		58,738	0	0
MSCI EAFE INDEX ISHARES	ETF - EQUITY	464287465	162	2,835	SH		DFND		2,835	0	0
ISHARES RUSSELL 2000 INDEX FUND	ETF - EQUITY	464287655	178	1,830	SH		SOLE		1,830	0	0
ISHARES RUSSELL 2000 INDEX FUND	ETF - EQUITY	464287655	46	470	SH		DFND		470	0	0
ISHARES DJ US REAL ESTATE	ETF - EQUITY	464287739	1,168	17,576	SH		SOLE		17,576	0	0
ISHARES CORE S&P SMALL CAP ETF	ETF - EQUITY	464287804	2,041	22,601	SH		SOLE		22,601	0	0
ISHARES CORE S&P SMALL CAP ETF	ETF - EQUITY	464287804	273	3,025	SH		DFND		3,025	0	0
JPMORGAN CHASE & CO	COMMON STOCK	46625H100	623	11,799	SH		SOLE		11,799	0	0
JPMORGAN CHASE & CO	COMMON STOCK	46625H100	25	481	SH		DFND		481	0	0
JOHNSON & JOHNSON	COMMON STOCK	478160104	1,892	22,041	SH		SOLE		22,041	0	0
JOHNSON & JOHNSON	COMMON STOCK	478160104	816	9,500	SH		DFND		9,500	0	0
KIMBERLY CLARK CORP	COMMON STOCK	494368103	1,136	11,695	SH		SOLE		11,695	0	0
KIMBERLY CLARK CORP	COMMON STOCK	494368103	39	400	SH		DFND		400	0	0
KINDER MORGAN ENERGY PARTNERS LP	EXCHANGE TRADED LP	494550106	212	2,485	SH		SOLE		2,485	0	0
KROGER CO	COMMON STOCK	501044101	594	17,200	SH		DFND		17,200	0	0
LILLY (ELI) & CO	COMMON STOCK	532457108	642	13,079	SH		SOLE		13,079	0	0
MC DONALDS	COMMON STOCK	580135101	763	7,710	SH		SOLE		7,710	0	0
MICROSOFT CORP	COMMON STOCK	594918104	1,605	46,465	SH		SOLE		46,465	0	0
MICROSOFT CORP	COMMON STOCK	594918104	31	900	SH		DFND		900	0	0
NEWMONT MINING CORP	COMMON STOCK	651639106	242	8,064	SH		SOLE		8,064	0	0
NORFOLK SOUTHERN CORP	COMMON STOCK	655844108	106	1,462	SH		SOLE		1,462	0	0
NORFOLK SOUTHERN CORP	COMMON STOCK	655844108	109	1,500	SH		DFND		1,500	0	0
NUCOR CORP	COMMON STOCK	670346105	202	4,660	SH		SOLE		4,660	0	0
NUVEEN EQUITY PREM INCOME FD	CLOSED END FUND - EQUITY	6706ER101	152	12,100	SH		SOLE		12,100	0	0
NUVEEN PERFORMANCE PLUS MUNICIPAL FD	CLOSED END FUND - TAX EXEMPT	67062P108	201	13,969	SH		SOLE		13,969	0	0
NUVEEN QUALITY INCOME MUNI FUND	CLOSED END FUND - TAX EXEMPT	670977107	189	14,000	SH		SOLE		14,000	0	0
ORACLE CORP	COMMON STOCK	68389X105	362	11,780	SH		SOLE		11,780	0	0
PNC FINANCIAL SERVICES GROUP	COMMON STOCK	693475105	397	5,448	SH		SOLE		5,448	0	0
PPL CORP	COMMON STOCK	69351T106	817	27,004	SH		SOLE		26,414	0	590
PEPSICO INC	COMMON STOCK	713448108	1,346	16,456	SH		SOLE		16,456	0	0
PEPSICO INC	COMMON STOCK	713448108	116	1,420	SH		DFND		1,420	0	0
PFIZER INC	COMMON STOCK	717081103	2,430	86,788	SH		SOLE		86,788	0	0
PFIZER INC	COMMON STOCK	717081103	278	9,940	SH		DFND		9,940	0	0
PLUM CREEK TIMBER CO INC	COMMON STOCK	729251108	355	7,600	SH		SOLE		7,600	0	0
PLUM CREEK TIMBER CO INC	COMMON STOCK	729251108	16	342	SH		DFND		342	0	0
PRECISION CASTPARTS CORP	COMMON STOCK	740189105	588	2,600	SH		SOLE		2,600	0	0
PROCTER & GAMBLE CO	COMMON STOCK	742718109	12,735	165,417	SH		SOLE		165,417	0	0
PROCTER & GAMBLE CO	COMMON STOCK	742718109	485	6,300	SH		DFND		6,300	0	0
RAYTHEON CO	COMMON STOCK	755111507	379	5,727	SH		SOLE		5,727	0	0
RAYTHEON CO	COMMON STOCK	755111507	132	2,000	SH		DFND		2,000	0	0
ROYAL DUTCH SHELL PLC ADR A (NETHERLANDS)	FOREIGN EQUITY - COMMON	780259206	48	754	SH		SOLE		754	0	0
ROYAL DUTCH SHELL PLC ADR A (NETHERLANDS)	FOREIGN EQUITY - COMMON	780259206	152	2,377	SH		DFND		2,377	0	0
SPDR S&P 500 ETF TRUST	ETF - EQUITY	78462F103	48,927	304,991	SH		SOLE		304,991	0	0
SPDR S&P 500 ETF TRUST	ETF - EQUITY	78462F103	2,091	13,035	SH		DFND		13,035	0	0
HEALTH CARE SELECT SECTOR	ETF - EQUITY	81369Y209	4,256	89,397	SH		SOLE		89,397	0	0
HEALTH CARE SELECT SECTOR	ETF - EQUITY	81369Y209	50	1,050	SH		DFND		1,050	0	0
AMEX ENERGY SELECT INDEX	ETF - EQUITY	81369Y506	278	3,547	SH		SOLE		3,547	0	0
TECHNOLOGY SELECT SECTOR SPDR FUND	ETF - EQUITY	81369Y803	1,711	55,958	SH		SOLE		55,958	0	0
TECHNOLOGY SELECT SECTOR SPDR FUND	ETF - EQUITY	81369Y803	24	780	SH		DFND		780	0	0
UTILITIES SELECT SECTOR SPDR	ETF - EQUITY	81369Y886	2,199	58,434	SH		SOLE		58,434	0	0
UTILITIES SELECT SECTOR SPDR	ETF - EQUITY	81369Y886	151	4,000	SH		DFND		4,000	0	0
TARGET CORP	COMMON STOCK	87612E106	67	980	SH		SOLE		980	0	0
TARGET CORP	COMMON STOCK	87612E106	207	3,000	SH		DFND		3,000	0	0
3M CO	COMMON STOCK	88579Y101	886	8,106	SH		SOLE		8,106	0	0
3M CO	COMMON STOCK	88579Y101	55	500	SH		DFND		500	0	0
UNION PACIFIC CORP	COMMON STOCK	907818108	158	1,022	SH		SOLE		1,022	0	0
UNION PACIFIC CORP	COMMON STOCK	907818108	370	2,400	SH		DFND		2,400	0	0
VERIZON COMMUNICATIONS	COMMON STOCK	92343V104	2,387	47,418	SH		SOLE		47,418	0	0
VERIZON COMMUNICATIONS	COMMON STOCK	92343V104	94	1,858	SH		DFND		1,858	0	0
WAL-MART STORES INC	COMMON STOCK	931142103	787	10,565	SH		SOLE		10,565	0	0
WAL-MART STORES INC	COMMON STOCK	931142103	37	500	SH		DFND		500	0	0
WALGREEN CO	COMMON STOCK	931422109	164	3,700	SH		SOLE		3,700	0	0
WALGREEN CO	COMMON STOCK	931422109	71	1,600	SH		DFND		1,600	0	0
WASTE MANAGEMENT INC	COMMON STOCK	94106L109	280	6,940	SH		SOLE		6,940	0	0
WESTERN DIGITAL CORP	COMMON STOCK	958102105	373	6,000	SH		DFND		6,000	0	0
WHIRLPOOL CORP	COMMON STOCK	963320106	314	2,750	SH		SOLE		2,750	0	0