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
ABBOTT LABS Equities 002824100   1,982,508 21,095 SH   SOLE   21,035 60 0
ABBVIE INC. Equities 00287Y109   1,268,322 8,735 SH   SOLE   8,695 40 0
ACCENTURE PLC Equities G1151C101   1,336,083 4,575 SH   SOLE   4,575 0 0
ADOBE SYSTEMS, INC. Equities 00724F101   2,894,882 5,629 SH   SOLE   5,624 5 0
AIR PRODUCTS AND CHEMICALS Equities 009158106   507,007 1,826 SH   SOLE   1,816 10 0
ALBEMARLE CORPORATION Equities 012653101   797,063 5,895 SH   SOLE   5,880 15 0
ALLSTATE CORP Equities 020002101   414,295 3,298 SH   SOLE   3,298 0 0
ALPHABET INC CL A Equities 02079K305   4,226,608 34,565 SH   SOLE   34,525 40 0
ALPHABET INC CL C Equities 02079K107   563,997 4,569 SH   SOLE   4,569 0 0
AMAZON.COM INC Equities 023135106   1,863,618 15,586 SH   SOLE   15,566 20 0
AMERICAN ELECTRIC POWER CO. Equities 025537101   273,605 3,611 SH   SOLE   3,581 30 0
AMERICAN EXPRESS CO Equities 025816109   1,863,133 12,998 SH   SOLE   12,953 45 0
AMERICAN WATER WORKS Equities 030420103   565,434 4,791 SH   SOLE   4,791 0 0
AMERISOURCEBERGEN Equities 89417E109   502,619 2,665 SH   SOLE   2,665 0 0
ANALOG DEVICES Equities 032654105   2,318,797 14,415 SH   SOLE   14,375 40 0
APPLE COMPUTER INC Equities 037833100   7,613,021 45,617 SH   SOLE   45,562 55 0
APPLIED INDUSTRIAL Equities 03820C105   309,940 2,000 SH   SOLE   2,000 0 0
ASML HOLDING NV Equities N07059210   495,264 842 SH   SOLE   837 5 0
BANK OF AMERICA CORP. Equities 060505104   555,572 21,270 SH   SOLE   21,270 0 0
BECTON DICKINSON AND CO Equities 075887109   959,530 3,775 SH   SOLE   3,775 0 0
BRISTOL-MYERS SQUIBB Equities 110122108   340,597 6,430 SH   SOLE   6,430 0 0
CHARLES SCHWAB CO Equities 808513105   276,179 5,370 SH   SOLE   5,330 40 0
CHEVRON CORPORATION Equities 166764100   6,190 40 SH   DFND   40 0 0
CHEVRON CORPORATION Equities 166764100   2,694,817 17,414 SH   SOLE   17,369 45 0
COCA COLA CO Equities 191216100   239,073 4,286 SH   SOLE   4,286 0 0
COMCAST CORP CL A Equities 20030N101   1,485,273 37,938 SH   SOLE   37,938 0 0
CONOCOPHILLIPS Equities 20825C104   523,167 4,422 SH   SOLE   4,397 25 0
COSTCO WHOLESALE Equities 22160K105   4,275,113 7,807 SH   SOLE   7,797 10 0
CUMMINS Equities 231021106   1,524,083 6,988 SH   SOLE   6,978 10 0
CVS HEALTH CORP Equities 126650100   225,490 3,317 SH   SOLE   3,317 0 0
DANAHER CORP Equities 235851102   1,551,570 8,011 SH   SOLE   7,986 25 0
DEERE & CO Equities 244199105   229,115 620 SH   SOLE   620 0 0
DOLLAR GENERAL CORP Equities 256677105   755,028 6,243 SH   SOLE   6,228 15 0
EATON VANCE TAX/MANAGED GLOBAL Equities 27829F108   144,999 21,292 SH   SOLE   21,292 0 0
EDISON INTL Equities 281020107   302,528 4,750 SH   SOLE   4,750 0 0
ELECTRONIC ARTS INC. Equities 285512109   596,810 4,827 SH   SOLE   4,827 0 0
ELI LILLY & CO. Equities 532457108   312,455 550 SH   SOLE   550 0 0
EMERSON ELEC CO Equities 291011104   279,976 3,160 SH   SOLE   3,160 0 0
ENERGY SELECT SECTOR SPDR Equities 81369Y506   637,405 7,351 SH   SOLE   7,351 0 0
EOG RESOURCES INC Equities 26875P101   603,493 4,717 SH   SOLE   4,677 40 0
EVEREST RE GROUP LTD Equities G3223R108   707,424 1,846 SH   SOLE   1,846 0 0
EXXON MOBIL CORP. Equities 30231G102   886,194 8,236 SH   SOLE   8,236 0 0
FIRSTENERGY CORP Equities 337932107   327,281 9,076 SH   SOLE   9,076 0 0
FISERV INC Equities 337738108   622,946 5,452 SH   SOLE   5,452 0 0
GENERAL DYNAMICS Equities 369550108   1,222,475 5,082 SH   SOLE   5,052 30 0
GENERAL MILLS INC Equities 370334104   243,012 3,696 SH   SOLE   3,696 0 0
GOLDMAN SACHS GROUP INC. Equities 38141G104   378,365 1,274 SH   SOLE   1,269 5 0
HOME DEPOT Equities 437076102   3,080,518 11,081 SH   SOLE   11,061 20 0
HONEYWELL INTERNATIONAL INC. Equities 438516106   214,793 1,220 SH   SOLE   1,220 0 0
INTERCONTINENTAL EXCHANGE Equities 45866F104   610,695 5,692 SH   SOLE   5,692 0 0
INTERNATIONAL BUSINESS MACHINES Equities 459200101   332,086 2,310 SH   SOLE   2,310 0 0
ISHARES: COHEN & STEERS REIT Equities 464287564   9,027 186 SH   DFND   156 0 30
ISHARES: COHEN & STEERS REIT Equities 464287564   2,618,242 53,951 SH   SOLE   53,895 0 56
ISHARES: Core MSCI Emerging Mar Equities 46434G103   25,637 560 SH   DFND   420 0 140
ISHARES: Core MSCI Emerging Mar Equities 46434G103   7,883,957 172,214 SH   SOLE   171,767 250 197
ISHARES: MSCI EAFE INDEX FUND Equities 464287465   725,515 10,986 SH   SOLE   10,986 0 0
ISHARES: MSCI EAFE SMALL CAP Equities 464288273   15,714 300 SH   DFND   225 0 75
ISHARES: MSCI EAFE SMALL CAP Equities 464288273   5,225,795 99,767 SH   SOLE   99,535 125 107
ISHARES: RUSSELL 1000 GROWTH Equities 464287614   310,897 1,210 SH   SOLE   1,210 0 0
ISHARES: S&P 500 GROWTH INDEX Equities 464287309   874,832 13,247 SH   SOLE   13,247 0 0
ISHARES: S&P 500 INDEX Equities 464287200   297,575 718 SH   DFND   530 0 188
ISHARES: S&P 500 INDEX Equities 464287200   37,181,138 89,712 SH   SOLE   89,458 0 254
ISHARES: S&P 500 VALUE INDEX Equities 464287408   43,793 295 SH   DFND   220 0 75
ISHARES: S&P 500 VALUE INDEX Equities 464287408   9,251,404 62,320 SH   SOLE   62,219 0 101
ISHARES: S&P CA MUNI BOND FUND Equities 464288356   4,926,729 90,983 SH   SOLE   90,983 0 0
ISHARES: S&P MID CAP VALUE INDE Equities 464287705   15,601 165 SH   DFND   120 0 45
ISHARES: S&P MID CAP VALUE INDE Equities 464287705   3,661,922 38,730 SH   SOLE   38,643 30 57
ISHARES: S&P MIDCAP 400 INDEX Equities 464287507   89,357 380 SH   DFND   295 0 85
ISHARES: S&P MIDCAP 400 INDEX Equities 464287507   37,220,718 158,285 SH   SOLE   158,046 125 114
ISHARES: S&P MIDCAP GROWTH Equities 464287606   1,866,147 27,247 SH   SOLE   27,047 200 0
ISHARES: S&P SMALLCAP 600 INDEX Equities 464287804   30,539 345 SH   DFND   270 0 75
ISHARES: S&P SMALLCAP 600 INDEX Equities 464287804   17,188,991 194,182 SH   SOLE   193,902 185 95
ISHARES: US PFD STOCK INDEX Equities 464288687   23,521 823 SH   DFND   733 0 90
ISHARES: US PFD STOCK INDEX Equities 464288687   3,510,539 122,832 SH   SOLE   122,509 80 243
JOHNSON & JOHNSON Equities 478160104   5,960 40 SH   DFND   40 0 0
JOHNSON & JOHNSON Equities 478160104   641,296 4,304 SH   SOLE   4,304 0 0
JP MORGAN CHASE & CO. Equities 46625H100   3,318,980 23,579 SH   SOLE   23,529 50 0
KEYCORP Equities 493267108   183,467 18,040 SH   SOLE   17,840 200 0
KINDER MORGAN INC Equities 49456B101   510,235 30,553 SH   SOLE   30,553 0 0
KLA CORP Equities 482480100   2,561,103 5,589 SH   SOLE   5,574 15 0
LAM RESEARCH CORP Equities 512807108   1,496,763 2,558 SH   SOLE   2,548 10 0
LOWES COMPANIES INC. Equities 548661107   413,795 2,240 SH   SOLE   2,240 0 0
M&T BANK CORPORATION Equities 55261F104   3,392 30 SH   DFND   30 0 0
M&T BANK CORPORATION Equities 55261F104   279,824 2,475 SH   SOLE   2,475 0 0
MCDONALDS CORP Equities 580135101   268,110 1,048 SH   SOLE   1,048 0 0
MCKESSON HBOC INC. Equities 58155Q103   948,444 2,100 SH   SOLE   2,100 0 0
MEDTRONIC PLC Equities G5960L103   543,397 7,722 SH   SOLE   7,722 0 0
MERCK Equities 58933Y105   374,703 3,550 SH   SOLE   3,550 0 0
META PLATFORMS INC Equities 30303M102   1,252,304 4,343 SH   SOLE   4,321 22 0
MICRON TECHNOLOGY INC Equities 595112103   1,246,784 19,321 SH   SOLE   19,231 90 0
MICROSOFT CORP. Equities 594918104   6,099,082 18,601 SH   SOLE   18,571 30 0
MORGAN STANLEY Equities 617446448   259,452 3,600 SH   SOLE   3,600 0 0
MORNINGSTAR INC Equities 617700109   703,328 2,836 SH   SOLE   2,836 0 0
NETFLIX INC COM Equities 64110L106   212,666 527 SH   SOLE   527 0 0
NEXTERA ENERGY, INC. Equities 65339F101   826,417 14,355 SH   SOLE   14,355 0 0
NIKE INC. Equities 654106103   453,591 4,535 SH   SOLE   4,535 0 0
NORTHROP GRUMMAN Equities 666807102   692,303 1,449 SH   SOLE   1,449 0 0
ORACLE CORP Equities 68389X105   831,312 8,280 SH   SOLE   8,280 0 0
PARKER HANNIFIN CORP Equities 701094104   2,927,493 7,913 SH   SOLE   7,898 15 0
PEPSICO INC Equities 713448108   400,135 2,479 SH   SOLE   2,479 0 0
PFIZER INC Equities 717081103   213,446 6,850 SH   SOLE   6,850 0 0
PNC FINANCIAL SERVICES GROUP Equities 693475105   297,336 2,600 SH   SOLE   2,580 20 0
PPG IND INC Equities 693506107   765,857 6,277 SH   SOLE   6,277 0 0
PROCTER & GAMBLE COMPANY Equities 742718109   306,641 2,047 SH   SOLE   2,047 0 0
PROGRESSIVE CORP Equities 743315103   1,691,383 10,993 SH   SOLE   10,943 50 0
QUALCOMM INC. Equities 747525103   1,323,524 12,531 SH   SOLE   12,471 60 0
S&P GLOBAL Equities 78409V104   322,141 925 SH   SOLE   925 0 0
SKYWORKS SOLUTIONS INC Equities 83088M102   876,264 9,889 SH   SOLE   9,889 0 0
SPDR BARCLAY'S CONVERTIBLE Equities 78464A359   319,088 4,900 SH   SOLE   4,900 0 0
SPDR S&P MIDCAP 400 ETF Equities 78467Y107   697,002 1,618 SH   SOLE   1,618 0 0
STANDARD & POORS DEP. RECEIPTS Equities 78462F103   643,578 1,560 SH   SOLE   1,560 0 0
STRYKER CORP Equities 863667101   1,694,216 6,552 SH   SOLE   6,527 25 0
TAIWAN SEMICONDUCTOR ADR Equities 874039100   257,540 2,945 SH   SOLE   2,945 0 0
TMOBILE US Equities 872590104   206,861 1,448 SH   SOLE   1,448 0 0
TRAVELERS COMPANIES INC Equities 89417E109   556,204 3,382 SH   SOLE   3,382 0 0
U.S. BANCORP Equities 902973304   265,407 8,354 SH   SOLE   8,294 60 0
UNION PAC CORP Equities 907818108   296,079 1,464 SH   SOLE   1,464 0 0
UNITED HEALTH GROUP Equities 91324P102   1,643,728 3,111 SH   SOLE   3,094 17 0
VANGUARD INDEX FDS GROWTH ETF Equities 922908736   236,694 905 SH   SOLE   905 0 0
VANGUARD INTERM-TERM BOND ETF Equities 921937819   164,897 2,315 SH   DFND   2,020 0 295
VANGUARD INTERM-TERM BOND ETF Equities 921937819   25,637,458 359,925 SH   SOLE   358,878 275 772
VANGUARD TOTAL STOCK MARKET FUN Equities 922908769   500,952 2,453 SH   SOLE   2,453 0 0
VERIZON COMMUNICATIONS Equities 92343V104   336,737 9,769 SH   SOLE   9,769 0 0
VISA INC Equities 92826C839   3,419,706 14,786 SH   SOLE   14,751 35 0
WAL MART STORES, INC Equities 931142103   2,157,688 13,338 SH   SOLE   13,318 20 0
WALT DISNEY COMPANY Equities 254687106   765,409 9,594 SH   SOLE   9,549 45 0
WASTE MANAGEMENT INC. Equities 94106L109   338,177 2,077 SH   SOLE   2,077 0 0
WATERS CORP. Equities 941848103   931,843 3,812 SH   SOLE   3,802 10 0
WEC ENERGY GROUP INC Equities 92939U106   247,894 2,982 SH   SOLE   2,982 0 0
WELLS FARGO & CO. Equities 949746101   1,734,331 43,741 SH   SOLE   43,741 0 0
WILLIAMS-SONOMA INC Equities 969904101   1,280,618 8,879 SH   SOLE   8,879 0 0