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   206,226 1,962 SH   SOLE   1,962 0 0
ABBOTT LABS Equities 002824100   2,062,565 20,369 SH   SOLE   20,309 60 0
ABBVIE INC. Equities 00287Y109   1,438,952 9,029 SH   SOLE   8,979 50 0
ACCENTURE PLC Equities G1151C101   1,352,739 4,733 SH   SOLE   4,733 0 0
ADOBE SYSTEMS, INC. Equities 00724F101   2,038,607 5,290 SH   SOLE   5,275 15 0
AIR PRODUCTS AND CHEMICALS Equities 009158106   303,868 1,058 SH   SOLE   1,038 20 0
ALBEMARLE CORPORATION Equities 012653101   1,049,719 4,749 SH   SOLE   4,724 25 0
ALLSTATE CORP Equities 020002101   479,586 4,328 SH   SOLE   4,328 0 0
ALPHABET INC CL A Equities 02079K305   3,424,231 33,011 SH   SOLE   32,951 60 0
ALPHABET INC CL C Equities 02079K107   483,600 4,650 SH   SOLE   4,650 0 0
AMAZON.COM INC Equities 023135106   1,181,947 11,443 SH   SOLE   11,403 40 0
AMERICAN EXPRESS CO Equities 025816109   2,622,045 15,896 SH   SOLE   15,851 45 0
AMERICAN WATER WORKS Equities 030420103   939,880 6,416 SH   SOLE   6,396 20 0
AMERISOURCEBERGEN Equities 03073E105   428,614 2,677 SH   SOLE   2,677 0 0
ANALOG DEVICES Equities 032654105   2,767,588 14,033 SH   SOLE   13,993 40 0
APPLE COMPUTER INC Equities 037833100   7,321,065 44,397 SH   SOLE   44,332 65 0
APPLIED INDUSTRIAL Equities 03820C105   284,260 2,000 SH   SOLE   2,000 0 0
BANK OF AMERICA CORP. Equities 060505104   615,558 21,523 SH   SOLE   21,523 0 0
BECTON DICKINSON AND CO Equities 075887109   1,008,478 4,074 SH   SOLE   4,074 0 0
BRISTOL-MYERS SQUIBB Equities 110122108   468,605 6,761 SH   SOLE   6,761 0 0
CENTERPOINT ENERGY INC Equities 15189T107   206,220 7,000 SH   SOLE   7,000 0 0
CHEVRON CORPORATION Equities 166764100   6,526 40 SH   DFND   40 0 0
CHEVRON CORPORATION Equities 166764100   2,729,177 16,727 SH   SOLE   16,682 45 0
COCA COLA CO Equities 191216100   265,861 4,286 SH   SOLE   4,286 0 0
COMCAST CORP CL A Equities 20030N101   1,676,304 44,218 SH   SOLE   44,093 125 0
CONOCOPHILLIPS Equities 20825C104   375,311 3,783 SH   SOLE   3,783 0 0
COSTCO WHOLESALE Equities 22160K105   4,026,634 8,104 SH   SOLE   8,089 15 0
CUMMINS Equities 231021106   1,549,853 6,488 SH   SOLE   6,460 28 0
CVS HEALTH CORP Equities 126650100   278,068 3,742 SH   SOLE   3,742 0 0
DANAHER CORP Equities 235851102   1,886,015 7,483 SH   SOLE   7,458 25 0
DEERE & CO Equities 244199105   278,694 675 SH   SOLE   675 0 0
DOLLAR GENERAL CORP Equities 256677105   1,154,584 5,486 SH   SOLE   5,451 35 0
EDISON INTL Equities 281020107   340,103 4,818 SH   SOLE   4,818 0 0
ELECTRONIC ARTS INC. Equities 285512109   714,148 5,929 SH   SOLE   5,929 0 0
EMERSON ELEC CO Equities 291011104   275,362 3,160 SH   SOLE   3,160 0 0
ENERGY SELECT SECTOR SPDR Equities 81369Y506   962,070 11,615 SH   SOLE   11,615 0 0
EOG RESOURCES INC Equities 26875P101   545,295 4,757 SH   SOLE   4,697 60 0
EUROPEAN CANNABIS Equities Q7133W106   939 302,781 SH   SOLE   302,781 0 0
EVEREST RE GROUP LTD Equities G3223R108   705,657 1,971 SH   SOLE   1,971 0 0
EXXON MOBIL CORP. Equities 30231G102   906,450 8,266 SH   SOLE   8,266 0 0
FIRSTENERGY CORP Equities 337932107   385,818 9,631 SH   SOLE   9,631 0 0
FISERV INC Equities 337738108   617,935 5,467 SH   SOLE   5,467 0 0
GENERAL DYNAMICS Equities 369550108   1,000,016 4,382 SH   SOLE   4,352 30 0
GENERAL MILLS INC Equities 370334104   318,766 3,730 SH   SOLE   3,730 0 0
HOME DEPOT Equities 437076102   3,317,149 11,240 SH   SOLE   11,220 20 0
HONEYWELL INTERNATIONAL INC. Equities 438516106   289,547 1,515 SH   SOLE   1,515 0 0
INTERCONTINENTAL EXCHANGE Equities 45866F104   1,146,356 10,992 SH   SOLE   10,992 0 0
INTERNATIONAL BUSINESS MACHINES Equities 459200101   304,129 2,320 SH   SOLE   2,320 0 0
ISHARES MSCI EM MKTS Equities 464287234   602,909 15,279 SH   SOLE   15,279 0 0
ISHARES: COHEN & STEERS REIT Equities 464287564   8,609 155 SH   DFND   125 0 30
ISHARES: COHEN & STEERS REIT Equities 464287564   3,261,698 58,727 SH   SOLE   58,567 100 60
ISHARES: Core MSCI Emerging Mar Equities 46434G103   26,347 540 SH   DFND   390 0 150
ISHARES: Core MSCI Emerging Mar Equities 46434G103   6,389,148 130,952 SH   SOLE   130,509 250 193
ISHARES: MSCI EAFE INDEX FUND Equities 464287465   17,022 238 SH   DFND   140 0 98
ISHARES: MSCI EAFE INDEX FUND Equities 464287465   8,738,886 122,188 SH   SOLE   121,941 115 132
ISHARES: MSCI EAFE SMALL CAP Equities 464288273   18,448 310 SH   DFND   225 0 85
ISHARES: MSCI EAFE SMALL CAP Equities 464288273   5,955,999 100,084 SH   SOLE   99,852 125 107
ISHARES: RUSSELL 1000 GROWTH Equities 464287614   302,969 1,240 SH   SOLE   1,240 0 0
ISHARES: S&P 500 GROWTH INDEX Equities 464287309   889,093 13,916 SH   SOLE   13,916 0 0
ISHARES: S&P 500 INDEX Equities 464287200   288,989 703 SH   DFND   515 0 188
ISHARES: S&P 500 INDEX Equities 464287200   36,858,255 89,662 SH   SOLE   89,406 0 256
ISHARES: S&P 500 VALUE INDEX Equities 464287408   48,563 320 SH   DFND   245 0 75
ISHARES: S&P 500 VALUE INDEX Equities 464287408   11,113,233 73,229 SH   SOLE   73,128 0 101
ISHARES: S&P CA MUNI BOND FUND Equities 464288356   1,043,321 18,170 SH   SOLE   18,170 0 0
ISHARES: S&P MID CAP VALUE INDE Equities 464287705   16,957 165 SH   DFND   120 0 45
ISHARES: S&P MID CAP VALUE INDE Equities 464287705   3,958,289 38,516 SH   SOLE   38,431 30 55
ISHARES: S&P MIDCAP 400 INDEX Equities 464287507   100,064 400 SH   DFND   305 0 95
ISHARES: S&P MIDCAP 400 INDEX Equities 464287507   43,314,954 173,149 SH   SOLE   173,030 0 119
ISHARES: S&P MIDCAP GROWTH Equities 464287606   2,097,531 29,332 SH   SOLE   28,832 500 0
ISHARES: S&P SMALLCAP 600 INDEX Equities 464287804   43,515 450 SH   DFND   360 0 90
ISHARES: S&P SMALLCAP 600 INDEX Equities 464287804   21,697,256 224,377 SH   SOLE   224,073 185 119
ISHARES: US PFD STOCK INDEX Equities 464288687   16,859 540 SH   DFND   450 0 90
ISHARES: US PFD STOCK INDEX Equities 464288687   2,386,550 76,443 SH   SOLE   76,151 80 212
JOHNSON & JOHNSON Equities 478160104   7,750 50 SH   DFND   50 0 0
JOHNSON & JOHNSON Equities 478160104   668,515 4,313 SH   SOLE   4,313 0 0
JP MORGAN CHASE & CO. Equities 46625H100   2,727,519 20,931 SH   SOLE   20,881 50 0
KINDER MORGAN INC Equities 49456B101   462,054 26,388 SH   SOLE   26,193 195 0
KLA CORP Equities 482480100   2,163,501 5,420 SH   SOLE   5,405 15 0
LAM RESEARCH CORP Equities 512807108   1,285,011 2,424 SH   SOLE   2,414 10 0
LOWES COMPANIES INC. Equities 548661107   444,933 2,225 SH   SOLE   2,225 0 0
M&T BANK CORPORATION Equities 55261F104   3,587 30 SH   DFND   30 0 0
M&T BANK CORPORATION Equities 55261F104   489,998 4,098 SH   SOLE   4,078 20 0
MCDONALDS CORP Equities 580135101   381,108 1,363 SH   SOLE   1,363 0 0
MCKESSON HBOC INC. Equities 58155Q103   798,976 2,244 SH   SOLE   2,244 0 0
MEDTRONIC PLC Equities G5960L103   591,751 7,340 SH   SOLE   7,305 35 0
MERCK Equities 58933Y105   409,602 3,850 SH   SOLE   3,850 0 0
META PLATFORMS INC Equities 30303M102   731,829 3,453 SH   SOLE   3,431 22 0
MICRON TECHNOLOGY INC Equities 595112103   938,830 15,559 SH   SOLE   15,469 90 0
MICROSOFT CORP. Equities 594918104   5,298,666 18,379 SH   SOLE   18,349 30 0
MORNINGSTAR INC Equities 617700109   1,110,777 5,471 SH   SOLE   5,441 30 0
NEXTERA ENERGY, INC. Equities 65339F101   1,401,469 18,182 SH   SOLE   18,137 45 0
NIKE INC. Equities 654106103   673,539 5,492 SH   SOLE   5,492 0 0
NORTHROP GRUMMAN Equities 666807102   611,779 1,325 SH   SOLE   1,325 0 0
ORACLE CORP Equities 68389X105   777,276 8,365 SH   SOLE   8,365 0 0
PACKAGING CORP OF AMERICA Equities 695156109   200,887 1,447 SH   SOLE   1,447 0 0
PARKER HANNIFIN CORP Equities 701094104   2,636,447 7,844 SH   SOLE   7,822 22 0
PEPSICO INC Equities 713448108   469,423 2,575 SH   SOLE   2,575 0 0
PFIZER INC Equities 717081103   278,460 6,825 SH   SOLE   6,825 0 0
PPG IND INC Equities 693506107   859,587 6,435 SH   SOLE   6,435 0 0
PROCTER & GAMBLE COMPANY Equities 742718109   306,450 2,061 SH   SOLE   2,061 0 0
PROGRESSIVE CORP Equities 743315103   1,309,571 9,154 SH   SOLE   9,104 50 0
QUALCOMM INC. Equities 747525103   1,552,393 12,168 SH   SOLE   12,108 60 0
S&P GLOBAL Equities 78409V104   325,463 944 SH   SOLE   944 0 0
SKYWORKS SOLUTIONS INC Equities 83088M102   1,075,034 9,112 SH   SOLE   9,112 0 0
SOUTHERN CO Equities 842587107   242,486 3,485 SH   SOLE   3,485 0 0
SPDR BARCLAY'S CONVERTIBLE Equities 78464A359   419,858 6,260 SH   SOLE   6,260 0 0
SPDR S&P MIDCAP 400 ETF Equities 78467Y107   1,397,234 3,048 SH   SOLE   3,048 0 0
STANDARD & POORS DEP. RECEIPTS Equities 78462F103   730,761 1,785 SH   SOLE   1,785 0 0
STRYKER CORP Equities 863667101   1,796,748 6,294 SH   SOLE   6,269 25 0
TAIWAN SEMICONDUCTOR ADR Equities 874039100   273,944 2,945 SH   SOLE   2,945 0 0
THERMO FISHER SCIENTIFIC CORP Equities 883556102   308,358 535 SH   SOLE   535 0 0
TRAVELERS COMPANIES INC Equities 89417E109   669,699 3,907 SH   SOLE   3,907 0 0
UNION PAC CORP Equities 907818108   300,481 1,493 SH   SOLE   1,493 0 0
UNITED HEALTH GROUP Equities 91324P102   1,261,815 2,670 SH   SOLE   2,653 17 0
VANGUARD INDEX FDS GROWTH ETF Equities 922908736   230,732 925 SH   SOLE   925 0 0
VANGUARD INTERM-TERM BOND ETF Equities 921937819   228,302 2,975 SH   DFND   2,600 0 375
VANGUARD INTERM-TERM BOND ETF Equities 921937819   29,808,655 388,437 SH   SOLE   387,204 275 958
VANGUARD SHT-TRM INFL-PROT ETF Equities 922020805   340,957 7,130 SH   SOLE   7,130 0 0
VANGUARD TOTAL STOCK MARKET FUN Equities 922908769   377,585 1,850 SH   SOLE   1,850 0 0
VERIZON COMMUNICATIONS Equities 92343V104   418,768 10,768 SH   SOLE   10,768 0 0
VISA INC Equities 92826C839   3,312,909 14,694 SH   SOLE   14,659 35 0
WAL MART STORES, INC Equities 931142103   1,825,431 12,380 SH   SOLE   12,380 0 0
WALT DISNEY COMPANY Equities 254687106   1,028,135 10,268 SH   SOLE   10,223 45 0
WASTE MANAGEMENT INC. Equities 94106L109   381,981 2,341 SH   SOLE   2,341 0 0
WATERS CORP. Equities 941848103   1,259,265 4,067 SH   SOLE   4,057 10 0
WEC ENERGY GROUP INC Equities 92939U106   315,840 3,332 SH   SOLE   3,332 0 0
WELLS FARGO & CO. Equities 949746101   1,726,208 46,180 SH   SOLE   46,180 0 0
WILLIAMS-SONOMA INC Equities 969904101   1,130,343 9,291 SH   SOLE   9,291 0 0
ZIONS BANCORP Equities 989701107   295,259 9,865 SH   SOLE   9,815 50 0