UNITED STATES
            SECURITIES AND EXCHANGE COMMISSION
                  Washington, D.C.  20549

                        FORM 13F

                   FORM 13F COVER PAGE

Report for the Calendar Year or Quarter Ended:  March 31, 2013

Check her if Amendment [  ]; Amendment Number:
This Amendment (Check only one.): [  ] is a restatement
                                  [  ] adds new holdings entries.

Institutional Investment Manager Filing this Report:

Name:     ZWJ Investment Counsel
Address:  75 14th Street NE, Suite 2900
          Atlanta, GA  30309

13F File Number:  28-2376

The institutional investment manager filing this report and the
person by whom it is signed hereby represent that the person
signing the report is authorized to submit it, that all
information contained herein is true, correct and complete, and
that it is understood that all required items, statements,
schedules, lists, and tables, are considered integral parts of
this form.

Person Signing this Report on Behalf of Reporting Manager:

Name:   Clayton F. Jackson
Title:  President
Phone:  404-873-2211
Signature, Place, and Date of Signing:

        Clayton F. Jackson    Atlanta, Georgia     May 14, 2013
Report Type (Check only one.):

[ X ]   13F HOLDINGS REPORT.

[   ]   13F NOTICE.

[   ]   13F COMBINATION REPORT.

List of Other Managers Reporting for this Manager:

I AM SIGNING THIS REPORT AS REQUIRED BY THE SECURITIES EXCHANGE
ACT OF 1934.

                             FORM 13F SUMMARY PAGE


REPORT SUMMARY:

NUMBER OF OTHER INCLUDED MANAGERS:        0

FORM 13F INFORMATION TABLE ENTRY TOTAL:   2351

FORM 13F INFORMATION TABLE VALUE TOTAL:   $690,886,000



LIST OF OTHER INCLUDED MANAGERS:

NO.   13F FILE NUMBER      NAME

                                                            
                                                     FORM 13F INFORMATION TABLE

                                                            VALUE   SHARES/ SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
  NAME OF ISSUER               TITLE OF CLASS    CUSIP    (x$1000)  PRN AMT PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
3 M CO                         COM              88579Y101     2538    23872 SH       DEFINED                     0       50    23822
3 M CO                         COM              88579Y101     4173    39252 SH       OTHER                       0    39252        0
A G L RESOURCES                COM              001204106     4743   113065 SH       DEFINED                     0     1100   111965
A G L RESOURCES                COM              001204106    10156   242086 SH       OTHER                       0   242086        0
A T & T                        COM              00206R102     6810   185599 SH       DEFINED                     0     1261   184338
A T & T                        COM              00206R102    11388   310371 SH       OTHER                       0   310371        0
ABB LTD ADR                    COM              000375204     3286   144360 SH       DEFINED                     0     1280   143080
ABB LTD ADR                    COM              000375204     7182   315575 SH       OTHER                       0   315575        0
ABBOTT LABS                    COM              002824100     1075    30449 SH       SOLE                        0        0    30449
ABBOTT LABS                    COM              002824100      449    12708 SH       OTHER                       0    12708        0
ABBVIE                         COM              00287Y109     1242    30449 SH       SOLE                        0        0    30449
ABBVIE                         COM              00287Y109      513    12582 SH       OTHER                       0    12582        0
ACCENTURE PLC                  COM              G1151C101     3985    52450 SH       SOLE                        0        0    52450
ACCENTURE PLC                  COM              G1151C101     8181   107688 SH       OTHER                       0   107688        0
ADVANCED CELL TECHNOLOGY INC   COM              00752K105       15   210000 SH       OTHER                       0   210000        0
AFLAC INC                      COM              001055102      177     3400 SH       SOLE                        0        0     3400
AFLAC INC                      COM              001055102      394     7580 SH       OTHER                       0     7580        0
ALBEMARLE CORP                 COM              012653101      936    14970 SH       SOLE                        0        0    14970
ALBEMARLE CORP                 COM              012653101     1813    29005 SH       OTHER                       0    29005        0
ALERE INC                      COM              01449J105      815    31905 SH       SOLE                        0        0    31905
ALERE INC                      COM              01449J105     1227    48045 SH       OTHER                       0    48045        0
ALTRIA GROUP INC               COM              02209S103      203     5906 SH       SOLE                        0        0     5906
ALTRIA GROUP INC               COM              02209S103      207     6018 SH       OTHER                       0     6018        0
AMAZON.COM                     COM              023135106      426     1598 SH       OTHER                       0     1598        0
AMERICAN EXPRESS CO            COM              025816109     1965    29135 SH       DEFINED                     0       65    29070
AMERICAN EXPRESS CO            COM              025816109     3261    48340 SH       OTHER                       0    48340        0
AMERICAN SOFTWARE INC CL A     COM              029683109       83    10000 SH       SOLE                        0        0    10000
ANGLO AMERN PLC ADR            COM              03485P201     1523   118570 SH       DEFINED                     0      620   117950
ANGLO AMERN PLC ADR            COM              03485P201     2293   178523 SH       OTHER                       0   178523        0
ANHEUSER BUSCH INBEV ADR       COM              03524A108     3835    38523 SH       SOLE                        0        0    38523
ANHEUSER BUSCH INBEV ADR       COM              03524A108     6465    64942 SH       OTHER                       0    64942        0
APPLE COMPUTER INC             COM              037833100     2324     5250 SH       DEFINED                     0       30     5220
APPLE COMPUTER INC             COM              037833100     4046     9140 SH       OTHER                       0     9140        0
AUTOMATIC DATA PROCESSING      COM              053015103     3345    51440 SH       SOLE                        0        0    51440
AUTOMATIC DATA PROCESSING      COM              053015103     2460    37831 SH       OTHER                       0    37831        0
B B & T CORP                   COM              054937107      506    16121 SH       SOLE                        0        0    16121
B B & T CORP                   COM              054937107       69     2199 SH       OTHER                       0     2199        0
BANCO BRADESCO S A SP ADR PFD  COM              059460303     3906   229495 SH       DEFINED                     0     1705   227790
BANCO BRADESCO S A SP ADR PFD  COM              059460303     6380   374847 SH       OTHER                       0   374847        0
BANK OF AMERICA                COM              060505104      200    16394 SH       OTHER                       0    16394        0
BB&T PFD 5.625% 12/31/49       PREFERRED STOCKS 054937404      608    23800 SH       SOLE                        0        0    23800
BB&T PFD 5.625% 12/31/49       PREFERRED STOCKS 054937404     1382    54120 SH       OTHER                       0    54120        0
BECTON DICKINSON & CO          COM              075887109       91      950 SH       SOLE                        0        0      950
BECTON DICKINSON & CO          COM              075887109      214     2237 SH       OTHER                       0     2237        0
BED BATH & BEYOND INC          COM              075896100     2201    34170 SH       DEFINED                     0      285    33885
BED BATH & BEYOND INC          COM              075896100     4327    67170 SH       OTHER                       0    67170        0
BERKSHIRE HATHAWAY CL B        COM              084670702       78      750 SH       SOLE                        0        0      750
BERKSHIRE HATHAWAY CL B        COM              084670702      367     3523 SH       OTHER                       0     3523        0
BERKSHIRE HATHAWAY INC         COM              084670108      469        3 SH       SOLE                        0        0        3
BERKSHIRE HATHAWAY INC         COM              084670108      313        2 SH       OTHER                       0        2        0
BP AMOCO ADS                   COM              055622104       83     1952 SH       SOLE                        0        0     1952
BP AMOCO ADS                   COM              055622104      188     4428 SH       OTHER                       0     4428        0
BRISTOL MYERS SQUIBB CO        COM              110122108      272     6592 SH       SOLE                        0        0     6592
BRISTOL MYERS SQUIBB CO        COM              110122108      321     7788 SH       OTHER                       0     7788        0
BUNGE LIMITED                  COM              G16962105     4123    55840 SH       DEFINED                     0      550    55290
BUNGE LIMITED                  COM              G16962105     7868   106570 SH       OTHER                       0   106570        0
CAPSTONE TURBINE CORP          COM              14067D102       31    34000 SH       SOLE                        0        0    34000
CBOE HLDGS INC                 COM              12503M108      868    23500 SH       OTHER                       0    23500        0
CELGENE CORP                   COM              151020104     4379    37780 SH       DEFINED                     0      260    37520
CELGENE CORP                   COM              151020104     7856    67778 SH       OTHER                       0    67778        0
CEL-SCI CORP                   COM              150837409        2    10000 SH       SOLE                        0        0    10000
CHEVRONTEXACO                  COM              166764100     7203    60621 SH       DEFINED                     0      540    60081
CHEVRONTEXACO                  COM              166764100    12844   108099 SH       OTHER                       0   108099        0
CHUBB CORP                     COM              171232101      237     2703 SH       SOLE                        0        0     2703
CHUBB CORP                     COM              171232101       66      750 SH       OTHER                       0      750        0
CISCO SYSTEMS                  COM              17275R102     5377   257327 SH       DEFINED                     0     1935   255392
CISCO SYSTEMS                  COM              17275R102    10398   497631 SH       OTHER                       0   497631        0
CME GROUP INC                  COM              12572Q105     2212    36025 SH       DEFINED                     0      245    35780
CME GROUP INC                  COM              12572Q105     4481    72969 SH       OTHER                       0    72969        0
COCA-COLA CO                   COM              191216100    32342   799752 SH       DEFINED                     0     1400   798352
COCA-COLA CO                   COM              191216100    19078   471756 SH       OTHER                       0   471756        0
COLGATE PALMOLIVE CO           COM              194162103       94      800 SH       SOLE                        0        0      800
COLGATE PALMOLIVE CO           COM              194162103      278     2358 SH       OTHER                       0     2358        0
COLONIAL BANCGROUP INC         COM              195493309        0    20126 SH       OTHER                       0    20126        0
COMCAST CORP CL A SPL          COM              20030N200      396    10000 SH       SOLE                        0        0    10000
COMCAST CORP CL A SPL          COM              20030N200       11      280 SH       OTHER                       0      280        0
COMPANHIA BRASILEIRA DE DIST   COM              20440T201      441     8280 SH       DEFINED                     0       25     8255
COMPANHIA BRASILEIRA DE DIST   COM              20440T201      700    13130 SH       OTHER                       0    13130        0
COMSCORE INC                   COM              20564W105     2689   160230 SH       DEFINED                     0     1010   159220
COMSCORE INC                   COM              20564W105     4326   257815 SH       OTHER                       0   257815        0
CONSOLIDATED TOMOKA LD CO      COM              210226106      273     6952 SH       OTHER                       0     6952        0
COSTCO WHOLESALE CORP          COM              22160K105      577     5440 SH       OTHER                       0     5440        0
DELTA AIR LINES INC            COM              247361702      190    11500 SH       OTHER                       0    11500        0
DOW CHEMICAL CORP              COM              260543103      309     9697 SH       SOLE                        0        0     9697
DOW CHEMICAL CORP              COM              260543103       76     2389 SH       OTHER                       0     2389        0
DR PEPPER SNAPPLE GROUP INC    COM              26138E109     3995    85100 SH       DEFINED                     0      725    84375
DR PEPPER SNAPPLE GROUP INC    COM              26138E109     7550   160820 SH       OTHER                       0   160820        0
DU PONT E I DE NEMOURS CO      COM              263534109     4658    94752 SH       DEFINED                     0      685    94067
DU PONT E I DE NEMOURS CO      COM              263534109     8374   170339 SH       OTHER                       0   170339        0
DUKE ENERGY CORPORATION        COM              26441C204      102     1406 SH       SOLE                        0        0     1406
DUKE ENERGY CORPORATION        COM              26441C204      570     7846 SH       OTHER                       0     7846        0
EAST WEST BANCORP INC          COM              27579R104       47     1825 SH       SOLE                        0        0     1825
EAST WEST BANCORP INC          COM              27579R104      361    14060 SH       OTHER                       0    14060        0
ECOLAB INC                     COM              278865100       40      500 SH       SOLE                        0        0      500
ECOLAB INC                     COM              278865100      205     2552 SH       OTHER                       0     2552        0
ELI LILLY AND CO               COM              532457108      286     5028 SH       SOLE                        0        0     5028
ELI LILLY AND CO               COM              532457108       11      197 SH       OTHER                       0      197        0
EMERSON ELECTRIC CO            COM              291011104      366     6559 SH       OTHER                       0     6559        0
EOG RESOURCES INC.             COM              26875P101      717     5600 SH       SOLE                        0        0     5600
EOG RESOURCES INC.             COM              26875P101     1279     9990 SH       OTHER                       0     9990        0
EXPEDITORS INTL WASH INC       COM              302130109     2468    69060 SH       SOLE                        0        0    69060
EXPEDITORS INTL WASH INC       COM              302130109     3543    99168 SH       OTHER                       0    99168        0
EXXON MOBIL                    COM              30231G102     3669    40716 SH       DEFINED                     0       20    40696
EXXON MOBIL                    COM              30231G102     1814    20129 SH       OTHER                       0    20129        0
FEDERATED INVS INC PA CL B     COM              314211103      656    27705 SH       DEFINED                     0       55    27650
FEDERATED INVS INC PA CL B     COM              314211103     1626    68689 SH       OTHER                       0    68689        0
FEDEX CORP                     COM              31428X106      442     4500 SH       OTHER                       0     4500        0
FIDELITY CONTRAFUND INC        MUTUAL FUNDS     316071109       21      250 SH       SOLE                        0        0      250
FIDELITY CONTRAFUND INC        MUTUAL FUNDS     316071109     1107    13191 SH       OTHER                       0    13191        0
FMC TECHNOLOGIES INC           COM              30249U101     1128    20745 SH       SOLE                        0        0    20745
FMC TECHNOLOGIES INC           COM              30249U101     2423    44555 SH       OTHER                       0    44555        0
GENERAL ELECTRIC               COM              369604103     1570    67912 SH       SOLE                        0        0    67912
GENERAL ELECTRIC               COM              369604103     1412    61081 SH       OTHER                       0    61081        0
GENERAL MILLS INC              COM              370334104      217     4400 SH       SOLE                        0        0     4400
GENERAL MILLS INC              COM              370334104      239     4842 SH       OTHER                       0     4842        0
GENUINE PARTS CO               COM              372460105      322     4132 SH       SOLE                        0        0     4132
GENUINE PARTS CO               COM              372460105      390     5001 SH       OTHER                       0     5001        0
GILEAD SCIENCES INC            COM              375558103     5129   104804 SH       DEFINED                     0     1060   103744
GILEAD SCIENCES INC            COM              375558103    10139   207166 SH       OTHER                       0   207166        0
GOLDMAN SACHS GROUP INC        COM              38141G104       22      150 SH       SOLE                        0        0      150
GOLDMAN SACHS GROUP INC        COM              38141G104      351     2385 SH       OTHER                       0     2385        0
GOOGLE INC CL A                COM              38259P508     5002     6298 SH       DEFINED                     0       40     6258
GOOGLE INC CL A                COM              38259P508     8345    10507 SH       OTHER                       0    10507        0
GREEN DOT CORP CL A            COM              39304D102       99     5940 SH       SOLE                        0        0     5940
GREEN DOT CORP CL A            COM              39304D102      199    11920 SH       OTHER                       0    11920        0
HOME DEPOT                     COM              437076102      948    13586 SH       SOLE                        0        0    13586
HOME DEPOT                     COM              437076102      721    10334 SH       OTHER                       0    10334        0
HORSEHEAD HLDG                 COM              440694305      874    80320 SH       DEFINED                     0     1345    78975
HORSEHEAD HLDG                 COM              440694305     2501   229828 SH       OTHER                       0   229828        0
I B M                          COM              459200101     5708    26760 SH       DEFINED                     0      241    26519
I B M                          COM              459200101     6028    28260 SH       OTHER                       0    28260        0
IMPART MEDIA GROUP INC         COM              45256R106        0    11050 SH       OTHER                       0    11050        0
INTEL CORP                     COM              458140100      172     7875 SH       SOLE                        0        0     7875
INTEL CORP                     COM              458140100      232    10644 SH       OTHER                       0    10644        0
J.P. MORGAN CHASE & CO         COM              46625H100     3904    82264 SH       DEFINED                     0      465    81799
J.P. MORGAN CHASE & CO         COM              46625H100     7117   149968 SH       OTHER                       0   149968        0
JOHNSON CONTROLS, INC.         COM              478366107     4020   114620 SH       DEFINED                     0      965   113655
JOHNSON CONTROLS, INC.         COM              478366107     7697   219489 SH       OTHER                       0   219489        0
JOHNSON & JOHNSON              COM              478160104     8025    98430 SH       DEFINED                     0      650    97780
JOHNSON & JOHNSON              COM              478160104    12442   152610 SH       OTHER                       0   152610        0
JPMORGAN CHASE CAP XVI PFD 6.3 PREFERRED STOCKS 481228203     2817   110964 SH       DEFINED                     0      100   110864
JPMORGAN CHASE CAP XVI PFD 6.3 PREFERRED STOCKS 481228203     4674   184074 SH       OTHER                       0   184074        0
KAYNE ANDERSON MLP INVESTMENT  COM              486606106     5028   144829 SH       DEFINED                     0      835   143994
KAYNE ANDERSON MLP INVESTMENT  COM              486606106     8291   238803 SH       OTHER                       0   238803        0
KIMBERLY CLARK CORP            COM              494368103       88      900 SH       SOLE                        0        0      900
KIMBERLY CLARK CORP            COM              494368103      216     2205 SH       OTHER                       0     2205        0
MCDONALDS CORP                 COM              580135101       80      800 SH       SOLE                        0        0      800
MCDONALDS CORP                 COM              580135101      409     4102 SH       OTHER                       0     4102        0
MERCK & COMPANY                COM              58933Y105      448    10132 SH       DEFINED                     0      246     9886
MERCK & COMPANY                COM              58933Y105      152     3429 SH       OTHER                       0     3429        0
METLIFE                        COM              59156R108     2980    78369 SH       DEFINED                     0      105    78264
METLIFE                        COM              59156R108     6380   167812 SH       OTHER                       0   167812        0
MICROSOFT                      COM              594918104     6181   216068 SH       DEFINED                     0     1681   214387
MICROSOFT                      COM              594918104    11465   400809 SH       OTHER                       0   400809        0
MONDELEZ INTL INC              COM              609207105       25      810 SH       SOLE                        0        0      810
MONDELEZ INTL INC              COM              609207105      624    20395 SH       OTHER                       0    20395        0
NOKIA CORP ADR                 COM              654902204      602   183605 SH       DEFINED                     0     2600   181005
NOKIA CORP ADR                 COM              654902204      894   272578 SH       OTHER                       0   272578        0
NORFOLK SOUTHERN CORP          COM              655844108      151     1957 SH       SOLE                        0        0     1957
NORFOLK SOUTHERN CORP          COM              655844108      483     6272 SH       OTHER                       0     6272        0
ORACLE SYSTEMS CORP            COM              68389X105     5133   158764 SH       DEFINED                     0     1120   157644
ORACLE SYSTEMS CORP            COM              68389X105     9076   280722 SH       OTHER                       0   280722        0
PEABODY ENERGY                 COM              704549104     2073    98015 SH       DEFINED                     0      760    97255
PEABODY ENERGY                 COM              704549104     4669   220745 SH       OTHER                       0   220745        0
PEPSICO INC                    COM              713448108      538     6803 SH       SOLE                        0        0     6803
PEPSICO INC                    COM              713448108      495     6251 SH       OTHER                       0     6251        0
PERRIGO CO                     COM              714290103      509     4290 SH       SOLE                        0        0     4290
PERRIGO CO                     COM              714290103      961     8090 SH       OTHER                       0     8090        0
PFIZER INC                     COM              717081103      687    23795 SH       SOLE                        0        0    23795
PFIZER INC                     COM              717081103      139     4803 SH       OTHER                       0     4803        0
PHILIP MORRIS INTL INC         COM              718172109      671     7238 SH       SOLE                        0        0     7238
PHILIP MORRIS INTL INC         COM              718172109      385     4152 SH       OTHER                       0     4152        0
PNC FINANCIAL SERV PFD 6.125%  PREFERRED STOCKS 693475857     2649    95750 SH       DEFINED                     0      200    95550
PNC FINANCIAL SERV PFD 6.125%  PREFERRED STOCKS 693475857     4085   147640 SH       OTHER                       0   147640        0
PORTLAND GEN ELEC              COM              736508847     3638   119960 SH       DEFINED                     0     1050   118910
PORTLAND GEN ELEC              COM              736508847     7208   237645 SH       OTHER                       0   237645        0
PROCTER & GAMBLE               COM              742718109     5967    77438 SH       DEFINED                     0      722    76716
PROCTER & GAMBLE               COM              742718109    10004   129823 SH       OTHER                       0   129823        0
SCHLUMBERGER                   COM              806857108     3780    50477 SH       DEFINED                     0      430    50047
SCHLUMBERGER                   COM              806857108     7668   102395 SH       OTHER                       0   102395        0
SCHWAB INFLATION PROTECTED FUN MUTUAL FUNDS     808517817      171    14186 SH       SOLE                        0        0    14186
SCHWAB INFLATION PROTECTED FUN MUTUAL FUNDS     808517817       43     3586 SH       OTHER                       0     3586        0
SEAGATE TECHNOLOGY PLC         COM              G7945M107     2724    74510 SH       SOLE                        0        0    74510
SEAGATE TECHNOLOGY PLC         COM              G7945M107     5548   151780 SH       OTHER                       0   151780        0
SEAWRIGHT HLDGS INC            COM              81282T105        0    20000 SH       SOLE                        0        0    20000
SOUTHERN CO                    COM              842587107      192     4090 SH       SOLE                        0        0     4090
SOUTHERN CO                    COM              842587107      491    10471 SH       OTHER                       0    10471        0
SOUTHWESTERN ENERGY CO         COM              845467109     3091    82945 SH       DEFINED                     0      430    82515
SOUTHWESTERN ENERGY CO         COM              845467109     5048   135477 SH       OTHER                       0   135477        0
SUNTRUST BANKS INC             COM              867914103       27      950 SH       SOLE                        0        0      950
SUNTRUST BANKS INC             COM              867914103      412    14303 SH       OTHER                       0    14303        0
SYNOVUS FINANCIAL CORP         COM              87161C105       35    12810 SH       SOLE                        0        0    12810
SYNOVUS FINANCIAL CORP         COM              87161C105       44    15906 SH       OTHER                       0    15906        0
SYSCO                          COM              871829107     5253   149368 SH       DEFINED                     0     1000   148368
SYSCO                          COM              871829107     9718   276306 SH       OTHER                       0   276306        0
TEMPLETON FOREIGN FUND CLASS A MUTUAL FUNDS     880196209       96    13825 SH       OTHER                       0    13825        0
THERMO FISHER SCIENTIFIC       COM              883556102     4731    61850 SH       DEFINED                     0      590    61260
THERMO FISHER SCIENTIFIC       COM              883556102     6622    86568 SH       OTHER                       0    86568        0
TIME WARNER CABLE INC          COM              88732J207     4425    46060 SH       DEFINED                     0      345    45715
TIME WARNER CABLE INC          COM              88732J207     8742    91004 SH       OTHER                       0    91004        0
TIME WARNER INC                COM              887317303     3717    64505 SH       DEFINED                     0      770    63735
TIME WARNER INC                COM              887317303     7310   126871 SH       OTHER                       0   126871        0
TORNIER N V                    COM              N87237108     2336   123935 SH       DEFINED                     0      720   123215
TORNIER N V                    COM              N87237108     4739   251389 SH       OTHER                       0   251389        0
TOTAL SYSTEM SERVICES          COM              891906109      149     6000 SH       SOLE                        0        0     6000
TOTAL SYSTEM SERVICES          COM              891906109      130     5231 SH       OTHER                       0     5231        0
U S BANCORP                    COM              902973304     3559   104890 SH       DEFINED                     0      700   104190
U S BANCORP                    COM              902973304     5495   161952 SH       OTHER                       0   161952        0
UNITED TECHNOLOGIES            COM              913017109     2874    30760 SH       DEFINED                     0       50    30710
UNITED TECHNOLOGIES            COM              913017109     4664    49923 SH       OTHER                       0    49923        0
UNITED TECHNOLOGIES CV PFD 7.5 COM              913017117     4542    75895 SH       DEFINED                     0      505    75390
UNITED TECHNOLOGIES CV PFD 7.5 COM              913017117     7701   128670 SH       OTHER                       0   128670        0
VANGUARD EQUITY INCOME FD      MUTUAL FUNDS     921921102      434    16242 SH       OTHER                       0    16242        0
VANGUARD SHORT TERM TRSY FUND  MUTUAL FUNDS     922031851      161    15036 SH       OTHER                       0    15036        0
VANGUARD WINDSOR FUND INC.     MUTUAL FUNDS     922018106      375    22200 SH       OTHER                       0    22200        0
VANGUARD WORLD FUND            MUTUAL FUNDS     921910204      379    19075 SH       OTHER                       0    19075        0
VERIZON COMMUNICATIONS         COM              92343V104       93     1897 SH       SOLE                        0        0     1897
VERIZON COMMUNICATIONS         COM              92343V104      131     2656 SH       OTHER                       0     2656        0
VODAFONE GROUP                 COM              92857W209     1091    38410 SH       DEFINED                     0      150    38260
VODAFONE GROUP                 COM              92857W209     2405    84666 SH       OTHER                       0    84666        0
WABCO HLDGS INC                COM              92927K102      653     9255 SH       SOLE                        0        0     9255
WABCO HLDGS INC                COM              92927K102     1259    17835 SH       OTHER                       0    17835        0
WAL MART STORES                COM              931142103     4678    62518 SH       DEFINED                     0      626    61892
WAL MART STORES                COM              931142103     8637   115423 SH       OTHER                       0   115423        0
WALGREEN                       COM              931422109     7189   150780 SH       DEFINED                     0     1165   149615
WALGREEN                       COM              931422109    12854   269598 SH       OTHER                       0   269598        0
WELLS FARGO PFD PRIVATE SHARES PREFERRED STOCKS KEK746889        0    30000 SH       OTHER                       0    30000        0
WELLS FARGO & CO               COM              949746101      166     4500 SH       SOLE                        0        0     4500
WELLS FARGO & CO               COM              949746101      654    17677 SH       OTHER                       0    17677        0
WILLIS GROUP HLDGS LTD         COM              G96666105     4632   117285 SH       DEFINED                     0      855   116430
WILLIS GROUP HLDGS LTD         COM              G96666105     7212   182618 SH       OTHER                       0   182618        0
XYLEM INC                      COM              98419M100     2369    85965 SH       SOLE                        0        0    85965
XYLEM INC                      COM              98419M100     4539   164706 SH       OTHER                       0   164706        0
YUM BRANDS                     COM              988498101     3114    43280 SH       DEFINED                     0      270    43010
YUM BRANDS                     COM              988498101     4392    61050 SH       OTHER                       0    61050        0