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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M COMPANY Equities 88579Y101   205 1,712 SH   SOLE   1,712 0 0
ABBOTT LABS Equities 002824100   2,397 21,830 SH   SOLE   21,770 60 0
ABBVIE INC. Equities 00287Y109   1,337 8,270 SH   SOLE   8,220 50 0
ACCENTURE PLC Equities G1151C101   1,371 5,139 SH   SOLE   5,139 0 0
ADOBE SYSTEMS, INC. Equities 00724F101   2,106 6,258 SH   SOLE   6,243 15 0
AIR PRODUCTS AND CHEMICALS Equities 009158106   268 869 SH   SOLE   849 20 0
ALBEMARLE CORPORATION Equities 012653101   1,027 4,736 SH   SOLE   4,701 35 0
ALLSTATE CORP Equities 020002101   670 4,938 SH   SOLE   4,938 0 0
ALPHABET INC CL A Equities 02079K305   3,294 37,332 SH   SOLE   37,272 60 0
ALPHABET INC CL C Equities 02079K107   414 4,670 SH   SOLE   4,670 0 0
AMAZON.COM INC Equities 023135106   1,153 13,723 SH   SOLE   13,683 40 0
AMERICAN EXPRESS CO Equities 025816109   2,553 17,278 SH   SOLE   17,218 60 0
AMERICAN WATER WORKS Equities 030420103   1,125 7,379 SH   SOLE   7,359 20 0
AMERISOURCEBERGEN Equities 03073E105   467 2,817 SH   SOLE   2,817 0 0
ANALOG DEVICES Equities 032654105   2,503 15,257 SH   SOLE   15,217 40 0
APPLE COMPUTER INC Equities 037833100   6,560 50,490 SH   SOLE   50,410 80 0
APPLIED INDUSTRIAL Equities 03820C105   252 2,000 SH   SOLE   2,000 0 0
BECTON DICKINSON AND CO Equities 075887109   1,105 4,344 SH   SOLE   4,344 0 0
BRISTOL-MYERS SQUIBB Equities 110122108   521 7,236 SH   SOLE   7,236 0 0
CENTERPOINT ENERGY INC Equities 15189T107   210 7,000 SH   SOLE   7,000 0 0
CHEVRON CORPORATION Equities 166764100   7 40 SH   DFND   40 0 0
CHEVRON CORPORATION Equities 166764100   3,165 17,635 SH   SOLE   17,590 45 0
COCA COLA CO Equities 191216100   273 4,286 SH   SOLE   4,286 0 0
COMCAST CORP CL A Equities 20030N101   1,500 42,907 SH   SOLE   42,782 125 0
CONAGRA FOODS INC Equities 205887102   254 6,565 SH   SOLE   6,565 0 0
CONOCOPHILLIPS Equities 20825C104   516 4,375 SH   SOLE   4,375 0 0
COSTCO WHOLESALE Equities 22160K105   4,272 9,358 SH   SOLE   9,340 18 0
CUMMINS Equities 231021106   1,700 7,015 SH   SOLE   6,987 28 0
CVS HEALTH CORP Equities 126650100   363 3,892 SH   SOLE   3,892 0 0
DANAHER CORP Equities 235851102   2,271 8,556 SH   SOLE   8,531 25 0
DEERE & CO Equities 244199105   217 505 SH   SOLE   505 0 0
DOLLAR GENERAL CORP Equities 256677105   1,361 5,528 SH   SOLE   5,493 35 0
ELECTRONIC ARTS INC. Equities 285512109   757 6,194 SH   SOLE   6,194 0 0
ELI LILLY & CO. Equities 532457108   269 735 SH   SOLE   735 0 0
EMERSON ELEC CO Equities 291011104   248 2,585 SH   SOLE   2,585 0 0
ENERGY SELECT SECTOR SPDR Equities 81369Y506   1,195 13,665 SH   SOLE   13,665 0 0
EOG RESOURCES INC Equities 26875P101   695 5,367 SH   SOLE   5,307 60 0
EVEREST RE GROUP LTD Equities G3223R108   673 2,031 SH   SOLE   2,031 0 0
EXXON MOBIL CORP. Equities 30231G102   1,000 9,066 SH   SOLE   9,066 0 0
FIRSTENERGY CORP Equities 337932107   427 10,170 SH   SOLE   10,170 0 0
FISERV INC Equities 337738108   567 5,609 SH   SOLE   5,609 0 0
GENERAL DYNAMICS Equities 369550108   986 3,976 SH   SOLE   3,946 30 0
GENERAL MILLS INC Equities 370334104   313 3,730 SH   SOLE   3,730 0 0
HOME DEPOT Equities 437076102   3,787 11,988 SH   SOLE   11,968 20 0
HONEYWELL INTERNATIONAL INC. Equities 438516106   325 1,515 SH   SOLE   1,515 0 0
INTERCONTINENTAL EXCHANGE Equities 45866F104   1,189 11,586 SH   SOLE   11,586 0 0
INTERNATIONAL BUSINESS MACHINES Equities 459200101   327 2,320 SH   SOLE   2,320 0 0
ISHARES MSCI EM MKTS Equities 464287234   625 16,490 SH   SOLE   16,490 0 0
ISHARES: COHEN & STEERS REIT Equities 464287564   4,896 89,279 SH   SOLE   89,101 150 28
ISHARES: COHEN & STEERS REIT Equities 464287564   4 70 SH   DFND   70 0 0
ISHARES: MSCI EAFE INDEX FUND Equities 464287465   17 260 SH   DFND   130 0 130
ISHARES: MSCI EAFE INDEX FUND Equities 464287465   11,249 171,373 SH   SOLE   170,971 225 177
ISHARES: MSCI EAFE SMALL CAP Equities 464288273   5,962 105,564 SH   SOLE   105,327 125 112
ISHARES: MSCI EAFE SMALL CAP Equities 464288273   6 110 SH   DFND   40 0 70
ISHARES: RUSSELL 1000 GROWTH Equities 464287614   266 1,240 SH   SOLE   1,240 0 0
ISHARES: S&P 500 GROWTH INDEX Equities 464287309   1,010 17,265 SH   SOLE   17,265 0 0
ISHARES: S&P 500 INDEX Equities 464287200   357 930 SH   DFND   695 0 235
ISHARES: S&P 500 INDEX Equities 464287200   39,737 103,426 SH   SOLE   103,105 0 321
ISHARES: S&P 500 VALUE INDEX Equities 464287408   11,152 76,872 SH   SOLE   76,742 0 130
ISHARES: S&P 500 VALUE INDEX Equities 464287408   104 715 SH   DFND   615 0 100
ISHARES: S&P CA MUNI BOND FUND Equities 464288356   502 8,948 SH   SOLE   8,948 0 0
ISHARES: S&P MID CAP VALUE INDE Equities 464287705   3,643 36,139 SH   SOLE   36,045 30 64
ISHARES: S&P MID CAP VALUE INDE Equities 464287705   21 210 SH   DFND   165 0 45
ISHARES: S&P MIDCAP 400 INDEX Equities 464287507   39,823 164,632 SH   SOLE   164,520 0 112
ISHARES: S&P MIDCAP 400 INDEX Equities 464287507   102 420 SH   DFND   345 0 75
ISHARES: S&P MIDCAP GROWTH Equities 464287606   2,118 31,012 SH   SOLE   30,512 500 0
ISHARES: S&P SMALLCAP 600 INDEX Equities 464287804   22,483 237,566 SH   SOLE   237,150 225 191
ISHARES: S&P SMALLCAP 600 INDEX Equities 464287804   56 595 SH   DFND   460 0 135
ISHARES: US PFD STOCK INDEX Equities 464288687   3 90 SH   DFND   0 0 90
ISHARES: US PFD STOCK INDEX Equities 464288687   2,064 67,607 SH   SOLE   67,335 80 192
JOHNSON & JOHNSON Equities 478160104   781 4,423 SH   SOLE   4,423 0 0
JOHNSON & JOHNSON Equities 478160104   10 55 SH   DFND   55 0 0
JP MORGAN CHASE & CO. Equities 46625H100   3,311 24,694 SH   SOLE   24,644 50 0
JP MORGAN CHASE & CO. Equities 46625H100   9 65 SH   DFND   65 0 0
KINDER MORGAN INC Equities 49456B101   500 27,640 SH   SOLE   27,445 195 0
KLA CORP Equities 482480100   2,230 5,915 SH   SOLE   5,893 22 0
LAM RESEARCH CORP Equities 512807108   1,083 2,577 SH   SOLE   2,567 10 0
LOWES COMPANIES INC. Equities 548661107   510 2,560 SH   SOLE   2,560 0 0
M&T BANK CORPORATION Equities 55261F104   749 5,162 SH   SOLE   5,142 20 0
MCDONALDS CORP Equities 580135101   363 1,378 SH   SOLE   1,378 0 0
MCKESSON HBOC INC. Equities 58155Q103   872 2,324 SH   SOLE   2,324 0 0
MEDTRONIC PLC Equities G5960L103   637 8,192 SH   SOLE   8,157 35 0
MERCK Equities 58933Y105   357 3,220 SH   SOLE   3,220 0 0
META PLATFORMS INC Equities 30303M102   445 3,698 SH   SOLE   3,676 22 0
MICRON TECHNOLOGY INC Equities 595112103   898 17,972 SH   SOLE   17,882 90 0
MICROSOFT CORP. Equities 594918104   4,931 20,560 SH   SOLE   20,530 30 0
MONSTER BEVERAGE.COM Equities 61174X109   244 2,400 SH   SOLE   2,400 0 0
MORNINGSTAR INC Equities 617700109   1,288 5,948 SH   SOLE   5,918 30 0
NEXTERA ENERGY, INC. Equities 65339F101   1,719 20,564 SH   SOLE   20,519 45 0
NIKE INC. Equities 654106103   671 5,732 SH   SOLE   5,732 0 0
NORTHROP GRUMMAN Equities 666807102   723 1,325 SH   SOLE   1,325 0 0
ORACLE CORP Equities 68389X105   699 8,550 SH   SOLE   8,550 0 0
PACKAGING CORP OF AMERICA Equities 695156109   266 2,077 SH   SOLE   2,077 0 0
PARKER HANNIFIN CORP Equities 701094104   2,581 8,871 SH   SOLE   8,849 22 0
PEPSICO INC Equities 713448108   480 2,655 SH   SOLE   2,655 0 0
PFIZER INC Equities 717081103   288 5,629 SH   SOLE   5,629 0 0
PPG IND INC Equities 693506107   916 7,285 SH   SOLE   7,285 0 0
PROCTER & GAMBLE COMPANY Equities 742718109   238 1,571 SH   SOLE   1,571 0 0
PROGRESSIVE CORP Equities 743315103   1,514 11,670 SH   SOLE   11,595 75 0
QUALCOMM INC. Equities 747525103   1,454 13,221 SH   SOLE   13,161 60 0
S&P GLOBAL Equities 78409V104   350 1,044 SH   SOLE   1,044 0 0
SKYWORKS SOLUTIONS INC Equities 83088M102   997 10,943 SH   SOLE   10,943 0 0
SOUTHERN CO Equities 842587107   335 4,685 SH   SOLE   4,685 0 0
SPDR BARCLAY'S CONVERTIBLE Equities 78464A359   403 6,260 SH   SOLE   6,260 0 0
SPDR S&P MIDCAP 400 ETF Equities 78467Y107   2,025 4,573 SH   SOLE   4,573 0 0
STANDARD & POORS DEP. RECEIPTS Equities 78462F103   826 2,160 SH   SOLE   2,160 0 0
STRYKER CORP Equities 863667101   1,807 7,389 SH   SOLE   7,364 25 0
TAIWAN SEMICONDUCTOR ADR Equities 874039100   222 2,980 SH   SOLE   2,980 0 0
THERMO FISHER SCIENTIFIC CORP Equities 883556102   344 625 SH   SOLE   625 0 0
TRAVELERS COMPANIES INC Equities 89417E109   747 3,982 SH   SOLE   3,982 0 0
UNION PAC CORP Equities 907818108   332 1,603 SH   SOLE   1,603 0 0
UNITED HEALTH GROUP Equities 91324P102   1,439 2,715 SH   SOLE   2,698 17 0
VANGUARD INTERM-TERM BOND ETF Equities 921937819   20,327 273,509 SH   SOLE   272,680 275 554
VANGUARD INTERM-TERM BOND ETF Equities 921937819   9 115 SH   DFND   0 0 115
VANGUARD SHT-TRM INFL-PROT ETF Equities 922020805   7,852 168,109 SH   SOLE   167,599 0 510
VANGUARD SHT-TRM INFL-PROT ETF Equities 922020805   187 4,000 SH   DFND   3,550 0 450
VANGUARD TOTAL STOCK MARKET FUN Equities 922908769   479 2,504 SH   SOLE   2,504 0 0
VERIZON COMMUNICATIONS Equities 92343V104   406 10,298 SH   SOLE   10,298 0 0
VISA INC Equities 92826C839   3,247 15,630 SH   SOLE   15,595 35 0
WAL MART STORES, INC Equities 931142103   2,044 14,415 SH   SOLE   14,415 0 0
WALT DISNEY COMPANY Equities 254687106   975 11,227 SH   SOLE   11,182 45 0
WASTE MANAGEMENT INC. Equities 94106L109   294 1,871 SH   SOLE   1,871 0 0
WATERS CORP. Equities 941848103   1,679 4,901 SH   SOLE   4,891 10 0
WEC ENERGY GROUP INC Equities 92939U106   312 3,332 SH   SOLE   3,332 0 0
WELLS FARGO & CO. Equities 949746101   1,907 46,180 SH   SOLE   46,180 0 0
WILLIAMS-SONOMA INC Equities 969904101   1,012 8,806 SH   SOLE   8,806 0 0
ZIONS BANCORP Equities 989701107   398 8,095 SH   SOLE   8,045 50 0