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	2,290	65,160	SH		SOLE		65,160	0	0
AT&T INC	COMMON STOCK	00206R102	82	2,321	SH		DFND		2,321	0	0
ABBOTT LABORATORIES	COMMON STOCK	002824100	4,285	111,812	SH		SOLE		111,812	0	0
ABBOTT LABORATORIES	COMMON STOCK	002824100	356	9,300	SH		DFND		9,300	0	0
AGILENT TECHNOLOGIES INC	COMMON STOCK	00846U101	11	200	SH		SOLE		200	0	0
AGILENT TECHNOLOGIES INC	COMMON STOCK	00846U101	218	3,814	SH		DFND		3,814	0	0
ALCOA INC	COMMON STOCK	013817101	213	20,000	SH		SOLE		20,000	0	0
ALTRIA GROUP INC	COMMON STOCK	02209S103	936	24,386	SH		SOLE		24,386	0	0
ALTRIA GROUP INC	COMMON STOCK	02209S103	384	10,000	SH		DFND		10,000	0	0
AMEREN CORP	COMMON STOCK	023608102	335	9,265	SH		SOLE		9,265	0	0
AMERICAN ELECTRIC POWER	COMMON STOCK	025537101	1,470	31,447	SH		SOLE		31,042	0	405
AMERICAN ELECTRIC POWER	COMMON STOCK	025537101	47	1,000	SH		DFND		1,000	0	0
AMERICAN EXPRESS CO	COMMON STOCK	025816109	1,597	17,600	SH		SOLE		17,600	0	0
AMERICAN EXPRESS CO	COMMON STOCK	025816109	272	2,994	SH		DFND		2,994	0	0
AMETEK INC	COMMON STOCK	031100100	710	13,483	SH		SOLE		13,483	0	0
APPLE INC	COMMON STOCK	037833100	695	1,238	SH		SOLE		1,238	0	0
AUTOMATIC DATA PROCESSING	COMMON STOCK	053015103	186	2,300	SH		SOLE		2,300	0	0
AUTOMATIC DATA PROCESSING	COMMON STOCK	053015103	32	400	SH		DFND		400	0	0
BP PLC SPON ADR (UK)	FOREIGN EQUITY - COMMON	055622104	696	14,308	SH		SOLE		14,308	0	0
BANK OF AMERICA CORP	COMMON STOCK	060505104	1,251	80,325	SH		SOLE		80,325	0	0
BAXTER INTL	COMMON STOCK	071813109	362	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	1,245	7	SH		SOLE		7	0	0
BOEING CO	COMMON STOCK	097023105	419	3,070	SH		SOLE		3,070	0	0
BOEING CO	COMMON STOCK	097023105	68	500	SH		DFND		500	0	0
BRISTOL-MYERS SQUIBB CO	COMMON STOCK	110122108	2,494	46,927	SH		SOLE		46,927	0	0
BRISTOL-MYERS SQUIBB CO	COMMON STOCK	110122108	80	1,500	SH		DFND		1,500	0	0
CATERPILLAR TRACTOR	COMMON STOCK	149123101	328	3,610	SH		SOLE		3,610	0	0
CATERPILLAR TRACTOR	COMMON STOCK	149123101	182	2,000	SH		DFND		2,000	0	0
CHEVRON CORP	COMMON STOCK	166764100	3,260	26,098	SH		SOLE		26,098	0	0
CHEVRON CORP	COMMON STOCK	166764100	266	2,132	SH		DFND		2,132	0	0
CISCO SYSTEMS INC	COMMON STOCK	17275R102	312	13,898	SH		SOLE		13,898	0	0
CISCO SYSTEMS INC	COMMON STOCK	17275R102	81	3,630	SH		DFND		3,630	0	0
COCA-COLA CO	COMMON STOCK	191216100	4,083	98,842	SH		SOLE		98,842	0	0
COCA-COLA CO	COMMON STOCK	191216100	574	13,900	SH		DFND		13,900	0	0
COMCAST CORP CL A	COMMON STOCK	20030N101	158	3,050	SH		SOLE		3,050	0	0
COMCAST CORP CL A	COMMON STOCK	20030N101	66	1,278	SH		DFND		1,278	0	0
CONAGRA INC	COMMON STOCK	205887102	287	8,508	SH		SOLE		8,508	0	0
CONAGRA INC	COMMON STOCK	205887102	17	500	SH		DFND		500	0	0
CONOCOPHILLIPS	COMMON STOCK	20825C104	1,276	18,061	SH		SOLE		18,061	0	0
DOW CHEMICAL CO	COMMON STOCK	260543103	1,224	27,570	SH		SOLE		27,570	0	0
DOW CHEMICAL CO	COMMON STOCK	260543103	64	1,441	SH		DFND		1,441	0	0
DREYFUS STRATEGIC MUNI INC	CLOSED END FUND - TAX EXEMPT	261932107	209	27,500	SH		SOLE		27,500	0	0
DREYFUS MUNI INCOME INC	CLOSED END FUND - TAX EXEMPT	26201R102	178	21,000	SH		SOLE		21,000	0	0
DU PONT (E I) DE NEMOURS	COMMON STOCK	263534109	2,318	35,676	SH		SOLE		35,676	0	0
DU PONT (E I) DE NEMOURS	COMMON STOCK	263534109	13	200	SH		DFND		200	0	0
EMERSON ELECTRIC CO	COMMON STOCK	291011104	1,218	17,350	SH		SOLE		17,350	0	0
ENTERPRISE PRODUCTS PARTNERS LP	EXCHANGE TRADED LP	293792107	434	6,550	SH		SOLE		6,550	0	0
EXXON MOBIL CORP	COMMON STOCK	30231G102	4,693	46,375	SH		SOLE		46,375	0	0
EXXON MOBIL CORP	COMMON STOCK	30231G102	1,835	18,129	SH		DFND		18,129	0	0
FIRSTENERGY CORP	COMMON STOCK	337932107	242	7,327	SH		SOLE		7,327	0	0
FORD MOTOR	COMMON STOCK	345370860	1,920	124,430	SH		SOLE		124,430	0	0
FORD MOTOR	COMMON STOCK	345370860	15	978	SH		DFND		978	0	0
FREEPORT-MCMORAN COPPER CL B	COMMON STOCK	35671D857	264	7,000	SH		SOLE		7,000	0	0
GANNETT CO	COMMON STOCK	364730101	643	21,744	SH		SOLE		21,744	0	0
GANNETT CO	COMMON STOCK	364730101	15	500	SH		DFND		500	0	0
GENERAL ELECTRIC CO	COMMON STOCK	369604103	4,955	176,841	SH		SOLE		176,841	0	0
GENERAL ELECTRIC CO	COMMON STOCK	369604103	1,106	39,475	SH		DFND		39,475	0	0
GENERAL MILLS	COMMON STOCK	370334104	206	4,135	SH		SOLE		4,135	0	0
HEARTLAND EXPRESS	COMMON STOCK	422347104	375	19,100	SH		SOLE		19,100	0	0
HEWLETT PACKARD CO	COMMON STOCK	428236103	67	2,400	SH		SOLE		2,400	0	0
HEWLETT PACKARD CO	COMMON STOCK	428236103	531	19,000	SH		DFND		19,000	0	0
HOME DEPOT INC	COMMON STOCK	437076102	1,361	16,525	SH		SOLE		16,525	0	0
HOME DEPOT INC	COMMON STOCK	437076102	66	800	SH		DFND		800	0	0
HONEYWELL INTL INC	COMMON STOCK	438516106	78	850	SH		SOLE		850	0	0
HONEYWELL INTL INC	COMMON STOCK	438516106	164	1,800	SH		DFND		1,800	0	0
HOSPIRA INC	COMMON STOCK	441060100	428	10,379	SH		SOLE		10,379	0	0
HOSPIRA INC	COMMON STOCK	441060100	35	850	SH		DFND		850	0	0
HUBBELL INC	COMMON STOCK	443510201	784	7,200	SH		SOLE		7,200	0	0
HUBBELL INC	COMMON STOCK	443510201	277	2,548	SH		DFND		2,548	0	0
INTEL CORP	COMMON STOCK	458140100	2,408	92,784	SH		SOLE		92,784	0	0
INTL BUSINESS MACHINES	COMMON STOCK	459200101	776	4,138	SH		SOLE		4,138	0	0
INTL BUSINESS MACHINES	COMMON STOCK	459200101	625	3,333	SH		DFND		3,333	0	0
ISHARES MSCI EMU	ETF - EQUITY	464286608	5,644	136,391	SH		SOLE		136,391	0	0
ISHARES MSCI EMU	ETF - EQUITY	464286608	102	2,455	SH		DFND		2,455	0	0
ISHARES SELECT DIVIDEND ETF	ETF - EQUITY	464287168	1,643	23,029	SH		SOLE		23,029	0	0
ISHARES TIPS BOND ETF	ETF - FIXED INCOME TAXABLE	464287176	697	6,343	SH		SOLE		6,343	0	0
ISHARES TIPS BOND ETF	ETF - FIXED INCOME TAXABLE	464287176	5	50	SH		DFND		50	0	0
ISHARES TR CORE TOTAL US BOND MKT ETF	ETF - FIXED INCOME TAXABLE	464287226	11,858	111,413	SH		SOLE		111,413	0	0
ISHARES TR CORE TOTAL US BOND MKT ETF	ETF - FIXED INCOME TAXABLE	464287226	1,244	11,685	SH		DFND		11,685	0	0
ISHARES MSCI EMERGING MARKETINDEX	ETF - EQUITY	464287234	1,266	30,305	SH		SOLE		30,305	0	0
ISHARES MSCI EMERGING MARKETINDEX	ETF - EQUITY	464287234	144	3,435	SH		DFND		3,435	0	0
ISHARES IBOXX INVT GRADE CORPORATE BOND	ETF - FIXED INCOME TAXABLE	464287242	2,915	25,530	SH		SOLE		25,530	0	0
ISHARES IBOXX INVT GRADE CORPORATE BOND	ETF - FIXED INCOME TAXABLE	464287242	329	2,885	SH		DFND		2,885	0	0
MSCI EAFE INDEX ISHARES	ETF - EQUITY	464287465	1,401	20,888	SH		SOLE		20,888	0	0
MSCI EAFE INDEX ISHARES	ETF - EQUITY	464287465	160	2,380	SH		DFND		2,380	0	0
ISHARES RUSSELL 2000 INDEX FUND	ETF - EQUITY	464287655	199	1,725	SH		SOLE		1,725	0	0
ISHARES RUSSELL 2000 INDEX FUND	ETF - EQUITY	464287655	54	470	SH		DFND		470	0	0
ISHARES US REAL ESTATE ETF	ETF - EQUITY	464287739	1,032	16,366	SH		SOLE		16,366	0	0
ISHARES CORE S&P SMALL CAP ETF	ETF - EQUITY	464287804	4,937	45,244	SH		SOLE		45,244	0	0
ISHARES CORE S&P SMALL CAP ETF	ETF - EQUITY	464287804	368	3,370	SH		DFND		3,370	0	0
JPMORGAN CHASE & CO	COMMON STOCK	46625H100	820	14,019	SH		SOLE		14,019	0	0
JPMORGAN CHASE & CO	COMMON STOCK	46625H100	28	481	SH		DFND		481	0	0
JOHNSON & JOHNSON	COMMON STOCK	478160104	2,145	23,419	SH		SOLE		23,419	0	0
JOHNSON & JOHNSON	COMMON STOCK	478160104	870	9,500	SH		DFND		9,500	0	0
KIMBERLY CLARK CORP	COMMON STOCK	494368103	1,157	11,075	SH		SOLE		11,075	0	0
KIMBERLY CLARK CORP	COMMON STOCK	494368103	42	400	SH		DFND		400	0	0
KROGER CO	COMMON STOCK	501044101	646	16,340	SH		DFND		16,340	0	0
LILLY (ELI) & CO	COMMON STOCK	532457108	796	15,610	SH		SOLE		15,610	0	0
LOCKHEED MARTIN CORP	COMMON STOCK	539830109	268	1,805	SH		SOLE		1,805	0	0
MC DONALDS	COMMON STOCK	580135101	1,033	10,649	SH		SOLE		10,649	0	0
MICROSOFT CORP	COMMON STOCK	594918104	1,738	46,465	SH		SOLE		46,465	0	0
MICROSOFT CORP	COMMON STOCK	594918104	34	900	SH		DFND		900	0	0
NEWMONT MINING CORP	COMMON STOCK	651639106	217	9,410	SH		SOLE		9,410	0	0
NORFOLK SOUTHERN CORP	COMMON STOCK	655844108	135	1,452	SH		SOLE		1,452	0	0
NORFOLK SOUTHERN CORP	COMMON STOCK	655844108	139	1,500	SH		DFND		1,500	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	189	13,969	SH		SOLE		13,969	0	0
NUVEEN QUALITY INCOME MUNI FUND	CLOSED END FUND - TAX EXEMPT	670977107	172	14,000	SH		SOLE		14,000	0	0
ORACLE CORP	COMMON STOCK	68389X105	475	12,425	SH		SOLE		12,425	0	0
PNC FINANCIAL SERVICES GROUP	COMMON STOCK	693475105	423	5,448	SH		SOLE		5,448	0	0
PPL CORP	COMMON STOCK	69351T106	968	32,185	SH		SOLE		31,595	0	590
PEPSICO INC	COMMON STOCK	713448108	1,367	16,484	SH		SOLE		16,484	0	0
PEPSICO INC	COMMON STOCK	713448108	118	1,420	SH		DFND		1,420	0	0
PFIZER INC	COMMON STOCK	717081103	2,802	91,463	SH		SOLE		91,463	0	0
PFIZER INC	COMMON STOCK	717081103	304	9,940	SH		DFND		9,940	0	0
PRECISION CASTPARTS CORP	COMMON STOCK	740189105	700	2,600	SH		SOLE		2,600	0	0
PROCTER & GAMBLE CO	COMMON STOCK	742718109	13,481	165,612	SH		SOLE		165,612	0	0
PROCTER & GAMBLE CO	COMMON STOCK	742718109	513	6,300	SH		DFND		6,300	0	0
QUALCOMM CORP	COMMON STOCK	747525103	253	3,414	SH		SOLE		3,414	0	0
RAYTHEON CO	COMMON STOCK	755111507	786	8,667	SH		SOLE		8,667	0	0
RAYTHEON CO	COMMON STOCK	755111507	181	2,000	SH		DFND		2,000	0	0
ROYAL DUTCH SHELL PLC ADR A (NETHERLANDS)	FOREIGN EQUITY - COMMON	780259206	40	564	SH		SOLE		564	0	0
ROYAL DUTCH SHELL PLC ADR A (NETHERLANDS)	FOREIGN EQUITY - COMMON	780259206	169	2,377	SH		DFND		2,377	0	0
SPDR S&P 500 ETF TRUST	ETF - EQUITY	78462F103	51,240	277,438	SH		SOLE		277,438	0	0
SPDR S&P 500 ETF TRUST	ETF - EQUITY	78462F103	2,484	13,450	SH		DFND		13,450	0	0
SCHWAB (CHARLES) CORP	COMMON STOCK	808513105	379	14,578	SH		SOLE		14,578	0	0
HEALTH CARE SELECT SECTOR	ETF - EQUITY	81369Y209	5,606	101,139	SH		SOLE		101,139	0	0
HEALTH CARE SELECT SECTOR	ETF - EQUITY	81369Y209	90	1,620	SH		DFND		1,620	0	0
AMEX ENERGY SELECT INDEX	ETF - EQUITY	81369Y506	297	3,353	SH		SOLE		3,353	0	0
AMEX FINANCIAL SELECT INDEX	ETF - EQUITY	81369Y605	347	15,853	SH		SOLE		15,853	0	0
TECHNOLOGY SELECT SECTOR SPDR FUND	ETF - EQUITY	81369Y803	256	7,163	SH		SOLE		7,163	0	0
UTILITIES SELECT SECTOR SPDR	ETF - EQUITY	81369Y886	438	11,535	SH		SOLE		11,535	0	0
UTILITIES SELECT SECTOR SPDR	ETF - EQUITY	81369Y886	19	500	SH		DFND		500	0	0
TARGET CORP	COMMON STOCK	87612E106	62	980	SH		SOLE		980	0	0
TARGET CORP	COMMON STOCK	87612E106	190	3,000	SH		DFND		3,000	0	0
3M CO	COMMON STOCK	88579Y101	1,130	8,056	SH		SOLE		8,056	0	0
3M CO	COMMON STOCK	88579Y101	70	500	SH		DFND		500	0	0
US BANCORP	COMMON STOCK	902973304	223	5,519	SH		SOLE		5,519	0	0
UNION PACIFIC CORP	COMMON STOCK	907818108	428	2,547	SH		SOLE		2,547	0	0
UNION PACIFIC CORP	COMMON STOCK	907818108	403	2,400	SH		DFND		2,400	0	0
UNITED PARCEL SERVICE CL B	COMMON STOCK	911312106	317	3,019	SH		SOLE		3,019	0	0
VERIZON COMMUNICATIONS	COMMON STOCK	92343V104	2,649	53,922	SH		SOLE		53,922	0	0
VERIZON COMMUNICATIONS	COMMON STOCK	92343V104	91	1,861	SH		DFND		1,861	0	0
WAL-MART STORES INC	COMMON STOCK	931142103	819	10,405	SH		SOLE		10,405	0	0
WAL-MART STORES INC	COMMON STOCK	931142103	39	500	SH		DFND		500	0	0
WALGREEN CO	COMMON STOCK	931422109	204	3,550	SH		SOLE		3,550	0	0
WALGREEN CO	COMMON STOCK	931422109	92	1,600	SH		DFND		1,600	0	0
WASTE MANAGEMENT INC	COMMON STOCK	94106L109	311	6,940	SH		SOLE		6,940	0	0
WELLS FARGO & CO	COMMON STOCK	949746101	253	5,571	SH		SOLE		5,571	0	0
WESTERN DIGITAL CORP	COMMON STOCK	958102105	503	6,000	SH		DFND		6,000	0	0
WHIRLPOOL CORP	COMMON STOCK	963320106	431	2,750	SH		SOLE		2,750	0	0