What you want is though not possible with css, you can do it with jquery : http://jsfiddle.net/KyP8L/92/
Just check the scroll, if it reaches top, then assign the z-index(higher) to the .div-bottom
$(window).on('scroll',function(){
$(window).scrollTop() ;
    ;
    if($(window).scrollTop()> parseInt($('.div-bottom').css('margin-top')))
    {
        $('.div-bottom').css('z-index','600');
    }else{
         $('.div-bottom').css('z-index','0');
    }
    console.log('top'+$('.div-bottom').css('margin-top'))
  console.log('scroll'+$(window).scrollTop())    
                           });
Edit:
As the OP says in comments what he wants is, to be able to scroll down
  the top div and then I want the bottom div to scroll over the top div
here is the fiddle http://jsfiddle.net/KyP8L/108/