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

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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	2,418	68,977	SH		SOLE		68,977	0	0
AT&T INC	COMMON STOCK	00206R102	81	2,321	SH		DFND		2,321	0	0
ABBOTT LABORATORIES	COMMON STOCK	002824100	4,305	111,812	SH		SOLE		111,812	0	0
ABBOTT LABORATORIES	COMMON STOCK	002824100	358	9,300	SH		DFND		9,300	0	0
ALCOA INC	COMMON STOCK	013817101	257	20,000	SH		SOLE		20,000	0	0
ALTRIA GROUP INC	COMMON STOCK	02209S103	1,040	27,776	SH		SOLE		27,776	0	0
ALTRIA GROUP INC	COMMON STOCK	02209S103	374	10,000	SH		DFND		10,000	0	0
AMEREN CORP	COMMON STOCK	023608102	402	9,765	SH		SOLE		9,765	0	0
AMERICAN ELECTRIC POWER	COMMON STOCK	025537101	1,704	33,647	SH		SOLE		33,242	0	405
AMERICAN ELECTRIC POWER	COMMON STOCK	025537101	51	1,000	SH		DFND		1,000	0	0
AMERICAN EXPRESS CO	COMMON STOCK	025816109	1,576	17,500	SH		SOLE		17,500	0	0
AMERICAN EXPRESS CO	COMMON STOCK	025816109	270	2,994	SH		DFND		2,994	0	0
AMETEK INC	COMMON STOCK	031100100	694	13,483	SH		SOLE		13,483	0	0
APPLE INC	COMMON STOCK	037833100	664	1,238	SH		SOLE		1,238	0	0
AUTOMATIC DATA PROCESSING	COMMON STOCK	053015103	178	2,300	SH		SOLE		2,300	0	0
AUTOMATIC DATA PROCESSING	COMMON STOCK	053015103	31	400	SH		DFND		400	0	0
BP PLC SPON ADR (UK)	FOREIGN EQUITY - COMMON	055622104	688	14,308	SH		SOLE		14,308	0	0
BANK OF AMERICA CORP	COMMON STOCK	060505104	1,381	80,325	SH		SOLE		80,325	0	0
BAXTER INTL	COMMON STOCK	071813109	383	5,200	SH		SOLE		5,200	0	0
BAXTER INTL	COMMON STOCK	071813109	132	1,800	SH		DFND		1,800	0	0
BERKSHIRE HATHAWAY INC CL A	COMMON STOCK	084670108	1,311	7	SH		SOLE		7	0	0
BOEING CO	COMMON STOCK	097023105	373	2,970	SH		SOLE		2,970	0	0
BOEING CO	COMMON STOCK	097023105	63	500	SH		DFND		500	0	0
BRISTOL-MYERS SQUIBB CO	COMMON STOCK	110122108	2,458	47,322	SH		SOLE		47,322	0	0
BRISTOL-MYERS SQUIBB CO	COMMON STOCK	110122108	78	1,500	SH		DFND		1,500	0	0
CATERPILLAR TRACTOR	COMMON STOCK	149123101	359	3,610	SH		SOLE		3,610	0	0
CATERPILLAR TRACTOR	COMMON STOCK	149123101	199	2,000	SH		DFND		2,000	0	0
CHEVRON CORP	COMMON STOCK	166764100	3,053	25,678	SH		SOLE		25,678	0	0
CHEVRON CORP	COMMON STOCK	166764100	254	2,132	SH		DFND		2,132	0	0
CISCO SYSTEMS INC	COMMON STOCK	17275R102	311	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	3,820	98,842	SH		SOLE		98,842	0	0
COCA-COLA CO	COMMON STOCK	191216100	537	13,900	SH		DFND		13,900	0	0
COMCAST CORP CL A	COMMON STOCK	20030N101	153	3,050	SH		SOLE		3,050	0	0
COMCAST CORP CL A	COMMON STOCK	20030N101	64	1,278	SH		DFND		1,278	0	0
CONAGRA INC	COMMON STOCK	205887102	241	7,758	SH		SOLE		7,758	0	0
CONAGRA INC	COMMON STOCK	205887102	16	500	SH		DFND		500	0	0
CONOCOPHILLIPS	COMMON STOCK	20825C104	1,355	19,261	SH		SOLE		19,261	0	0
DOW CHEMICAL CO	COMMON STOCK	260543103	1,332	27,420	SH		SOLE		27,420	0	0
DOW CHEMICAL CO	COMMON STOCK	260543103	70	1,441	SH		DFND		1,441	0	0
DREYFUS STRATEGIC MUNI INC	CLOSED END FUND - TAX EXEMPT	261932107	223	27,500	SH		SOLE		27,500	0	0
DREYFUS MUNI INCOME INC	CLOSED END FUND - TAX EXEMPT	26201R102	189	21,000	SH		SOLE		21,000	0	0
DU PONT (E I) DE NEMOURS	COMMON STOCK	263534109	2,537	37,816	SH		SOLE		37,816	0	0
DU PONT (E I) DE NEMOURS	COMMON STOCK	263534109	13	200	SH		DFND		200	0	0
EMERSON ELECTRIC CO	COMMON STOCK	291011104	1,149	17,200	SH		SOLE		17,200	0	0
ENTERPRISE PRODUCTS PARTNERS LP	EXCHANGE TRADED LP	293792107	475	6,850	SH		SOLE		6,850	0	0
EXELON CORP	COMMON STOCK	30161N101	229	6,830	SH		SOLE		6,830	0	0
EXXON MOBIL CORP	COMMON STOCK	30231G102	4,505	46,125	SH		SOLE		46,125	0	0
EXXON MOBIL CORP	COMMON STOCK	30231G102	1,722	17,629	SH		DFND		17,629	0	0
FIRSTENERGY CORP	COMMON STOCK	337932107	237	6,972	SH		SOLE		6,972	0	0
FORD MOTOR	COMMON STOCK	345370860	1,941	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	231	7,000	SH		SOLE		7,000	0	0
GANNETT CO	COMMON STOCK	364730101	393	14,239	SH		SOLE		14,239	0	0
GANNETT CO	COMMON STOCK	364730101	14	500	SH		DFND		500	0	0
GENERAL ELECTRIC CO	COMMON STOCK	369604103	4,662	180,131	SH		SOLE		180,131	0	0
GENERAL ELECTRIC CO	COMMON STOCK	369604103	1,014	39,185	SH		DFND		39,185	0	0
GENERAL MILLS	COMMON STOCK	370334104	624	12,042	SH		SOLE		12,042	0	0
HEARTLAND EXPRESS	COMMON STOCK	422347104	433	19,100	SH		SOLE		19,100	0	0
HEWLETT PACKARD CO	COMMON STOCK	428236103	78	2,400	SH		SOLE		2,400	0	0
HEWLETT PACKARD CO	COMMON STOCK	428236103	512	15,810	SH		DFND		15,810	0	0
HOME DEPOT INC	COMMON STOCK	437076102	1,304	16,475	SH		SOLE		16,475	0	0
HOME DEPOT INC	COMMON STOCK	437076102	63	800	SH		DFND		800	0	0
HONEYWELL INTL INC	COMMON STOCK	438516106	79	850	SH		SOLE		850	0	0
HONEYWELL INTL INC	COMMON STOCK	438516106	167	1,800	SH		DFND		1,800	0	0
HOSPIRA INC	COMMON STOCK	441060100	449	10,379	SH		SOLE		10,379	0	0
HOSPIRA INC	COMMON STOCK	441060100	37	850	SH		DFND		850	0	0
HUBBELL INC	COMMON STOCK	443510201	863	7,200	SH		SOLE		7,200	0	0
HUBBELL INC	COMMON STOCK	443510201	305	2,548	SH		DFND		2,548	0	0
INTEL CORP	COMMON STOCK	458140100	2,486	96,324	SH		SOLE		96,324	0	0
INTL BUSINESS MACHINES	COMMON STOCK	459200101	747	3,883	SH		SOLE		3,883	0	0
INTL BUSINESS MACHINES	COMMON STOCK	459200101	642	3,333	SH		DFND		3,333	0	0
ISHARES MSCI EMU	ETF - EQUITY	464286608	5,977	141,410	SH		SOLE		141,410	0	0
ISHARES MSCI EMU	ETF - EQUITY	464286608	126	2,970	SH		DFND		2,970	0	0
ISHARES SELECT DIVIDEND ETF	ETF - EQUITY	464287168	1,885	25,709	SH		SOLE		25,709	0	0
ISHARES TIPS BOND ETF	ETF - FIXED INCOME TAXABLE	464287176	571	5,093	SH		SOLE		5,093	0	0
ISHARES TIPS BOND ETF	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	12,180	112,868	SH		SOLE		112,868	0	0
ISHARES TR CORE TOTAL US BOND MKT ETF	ETF - FIXED INCOME TAXABLE	464287226	1,208	11,190	SH		DFND		11,190	0	0
ISHARES MSCI EMERGING MARKETINDEX	ETF - EQUITY	464287234	961	23,450	SH		SOLE		23,450	0	0
ISHARES MSCI EMERGING MARKETINDEX	ETF - EQUITY	464287234	145	3,545	SH		DFND		3,545	0	0
ISHARES IBOXX INVT GRADE CORPORATE BOND	ETF - FIXED INCOME TAXABLE	464287242	3,007	25,715	SH		SOLE		25,715	0	0
ISHARES IBOXX INVT GRADE CORPORATE BOND	ETF - FIXED INCOME TAXABLE	464287242	326	2,785	SH		DFND		2,785	0	0
MSCI EAFE INDEX ISHARES	ETF - EQUITY	464287465	1,409	20,963	SH		SOLE		20,963	0	0
MSCI EAFE INDEX ISHARES	ETF - EQUITY	464287465	159	2,365	SH		DFND		2,365	0	0
ISHARES RUSSELL 2000 INDEX FUND	ETF - EQUITY	464287655	201	1,725	SH		SOLE		1,725	0	0
ISHARES RUSSELL 2000 INDEX FUND	ETF - EQUITY	464287655	55	470	SH		DFND		470	0	0
ISHARES US REAL ESTATE ETF	ETF - EQUITY	464287739	1,293	19,106	SH		SOLE		19,106	0	0
ISHARES CORE S&P SMALL CAP ETF	ETF - EQUITY	464287804	4,981	45,222	SH		SOLE		45,222	0	0
ISHARES CORE S&P SMALL CAP ETF	ETF - EQUITY	464287804	376	3,415	SH		DFND		3,415	0	0
JPMORGAN CHASE & CO	COMMON STOCK	46625H100	851	14,019	SH		SOLE		14,019	0	0
JPMORGAN CHASE & CO	COMMON STOCK	46625H100	29	481	SH		DFND		481	0	0
JOHNSON & JOHNSON	COMMON STOCK	478160104	2,291	23,324	SH		SOLE		23,324	0	0
JOHNSON & JOHNSON	COMMON STOCK	478160104	933	9,500	SH		DFND		9,500	0	0
KIMBERLY CLARK CORP	COMMON STOCK	494368103	1,221	11,075	SH		SOLE		11,075	0	0
KIMBERLY CLARK CORP	COMMON STOCK	494368103	44	400	SH		DFND		400	0	0
KROGER CO	COMMON STOCK	501044101	703	16,100	SH		DFND		16,100	0	0
LILLY (ELI) & CO	COMMON STOCK	532457108	1,088	18,483	SH		SOLE		18,483	0	0
LOCKHEED MARTIN CORP	COMMON STOCK	539830109	280	1,715	SH		SOLE		1,715	0	0
MC DONALDS	COMMON STOCK	580135101	1,112	11,340	SH		SOLE		11,340	0	0
MICROSOFT CORP	COMMON STOCK	594918104	2,324	56,719	SH		SOLE		56,719	0	0
MICROSOFT CORP	COMMON STOCK	594918104	37	900	SH		DFND		900	0	0
NEWMONT MINING CORP	COMMON STOCK	651639106	317	13,547	SH		SOLE		13,547	0	0
NORFOLK SOUTHERN CORP	COMMON STOCK	655844108	141	1,452	SH		SOLE		1,452	0	0
NORFOLK SOUTHERN CORP	COMMON STOCK	655844108	146	1,500	SH		DFND		1,500	0	0
NUVEEN EQUITY PREM INCOME FD	CLOSED END FUND - EQUITY	6706ER101	153	12,100	SH		SOLE		12,100	0	0
NUVEEN PERFORMANCE PLUS MUNICIPAL FD	CLOSED END FUND - TAX EXEMPT	67062P108	202	13,969	SH		SOLE		13,969	0	0
NUVEEN QUALITY INCOME MUNI FUND	CLOSED END FUND - TAX EXEMPT	670977107	186	14,000	SH		SOLE		14,000	0	0
ORACLE CORP	COMMON STOCK	68389X105	508	12,425	SH		SOLE		12,425	0	0
PNC FINANCIAL SERVICES GROUP	COMMON STOCK	693475105	474	5,448	SH		SOLE		5,448	0	0
PPL CORP	COMMON STOCK	69351T106	1,213	36,600	SH		SOLE		36,010	0	590
PEPSICO INC	COMMON STOCK	713448108	1,375	16,464	SH		SOLE		16,464	0	0
PEPSICO INC	COMMON STOCK	713448108	119	1,420	SH		DFND		1,420	0	0
PFIZER INC	COMMON STOCK	717081103	2,914	90,744	SH		SOLE		90,744	0	0
PFIZER INC	COMMON STOCK	717081103	319	9,940	SH		DFND		9,940	0	0
PRECISION CASTPARTS CORP	COMMON STOCK	740189105	657	2,600	SH		SOLE		2,600	0	0
PROCTER & GAMBLE CO	COMMON STOCK	742718109	13,335	165,447	SH		SOLE		165,447	0	0
PROCTER & GAMBLE CO	COMMON STOCK	742718109	508	6,300	SH		DFND		6,300	0	0
QUALCOMM CORP	COMMON STOCK	747525103	1,054	13,364	SH		SOLE		13,364	0	0
RAYTHEON CO	COMMON STOCK	755111507	380	3,847	SH		SOLE		3,847	0	0
RAYTHEON CO	COMMON STOCK	755111507	198	2,000	SH		DFND		2,000	0	0
ROYAL DUTCH SHELL PLC ADR A (NETHERLANDS)	FOREIGN EQUITY - COMMON	780259206	35	479	SH		SOLE		479	0	0
ROYAL DUTCH SHELL PLC ADR A (NETHERLANDS)	FOREIGN EQUITY - COMMON	780259206	174	2,377	SH		DFND		2,377	0	0
SPDR S&P 500 ETF TRUST	ETF - EQUITY	78462F103	52,447	280,451	SH		SOLE		280,451	0	0
SPDR S&P 500 ETF TRUST	ETF - EQUITY	78462F103	2,641	14,120	SH		DFND		14,120	0	0
SCHLUMBERGER LTD (NETH)	FOREIGN EQUITY - COMMON	806857108	93	950	SH		SOLE		950	0	0
SCHLUMBERGER LTD (NETH)	FOREIGN EQUITY - COMMON	806857108	117	1,200	SH		DFND		1,200	0	0
SCHWAB (CHARLES) CORP	COMMON STOCK	808513105	387	14,160	SH		SOLE		14,160	0	0
HEALTH CARE SELECT SECTOR	ETF - EQUITY	81369Y209	6,134	104,875	SH		SOLE		104,875	0	0
HEALTH CARE SELECT SECTOR	ETF - EQUITY	81369Y209	116	1,990	SH		DFND		1,990	0	0
AMEX ENERGY SELECT INDEX	ETF - EQUITY	81369Y506	299	3,353	SH		SOLE		3,353	0	0
AMEX FINANCIAL SELECT INDEX	ETF - EQUITY	81369Y605	383	17,123	SH		SOLE		17,123	0	0
TECHNOLOGY SELECT SECTOR SPDR FUND	ETF - EQUITY	81369Y803	2,876	79,142	SH		SOLE		79,142	0	0
TECHNOLOGY SELECT SECTOR SPDR FUND	ETF - EQUITY	81369Y803	52	1,440	SH		DFND		1,440	0	0
UTILITIES SELECT SECTOR SPDR	ETF - EQUITY	81369Y886	478	11,535	SH		SOLE		11,535	0	0
UTILITIES SELECT SECTOR SPDR	ETF - EQUITY	81369Y886	21	500	SH		DFND		500	0	0
STAPLES INC	COMMON STOCK	855030102	278	24,528	SH		SOLE		24,528	0	0
TARGET CORP	COMMON STOCK	87612E106	59	980	SH		SOLE		980	0	0
TARGET CORP	COMMON STOCK	87612E106	182	3,000	SH		DFND		3,000	0	0
3M CO	COMMON STOCK	88579Y101	1,093	8,056	SH		SOLE		8,056	0	0
3M CO	COMMON STOCK	88579Y101	68	500	SH		DFND		500	0	0
US BANCORP	COMMON STOCK	902973304	237	5,519	SH		SOLE		5,519	0	0
UNION PACIFIC CORP	COMMON STOCK	907818108	478	2,547	SH		SOLE		2,547	0	0
UNION PACIFIC CORP	COMMON STOCK	907818108	450	2,400	SH		DFND		2,400	0	0
UNITED PARCEL SERVICE CL B	COMMON STOCK	911312106	294	3,019	SH		SOLE		3,019	0	0
VERIZON COMMUNICATIONS	COMMON STOCK	92343V104	2,636	55,424	SH		SOLE		55,424	0	0
VERIZON COMMUNICATIONS	COMMON STOCK	92343V104	93	1,948	SH		DFND		1,948	0	0
WAL-MART STORES INC	COMMON STOCK	931142103	780	10,200	SH		SOLE		10,200	0	0
WAL-MART STORES INC	COMMON STOCK	931142103	38	500	SH		DFND		500	0	0
WALGREEN CO	COMMON STOCK	931422109	224	3,400	SH		SOLE		3,400	0	0
WALGREEN CO	COMMON STOCK	931422109	106	1,600	SH		DFND		1,600	0	0
WASTE MANAGEMENT INC	COMMON STOCK	94106L109	292	6,940	SH		SOLE		6,940	0	0
WELLS FARGO & CO	COMMON STOCK	949746101	275	5,531	SH		SOLE		5,531	0	0
WESTERN DIGITAL CORP	COMMON STOCK	958102105	551	6,000	SH		DFND		6,000	0	0
WHIRLPOOL CORP	COMMON STOCK	963320106	411	2,750	SH		SOLE		2,750	0	0