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   2,496,572 21,768 SH   SOLE   21,663 60 45
ABBVIE INC. Equities 00287Y109   1,402,357 8,511 SH   SOLE   8,471 40 0
ACCENTURE PLC Equities G1151C101   1,719,791 4,726 SH   SOLE   4,726 0 0
ADOBE SYSTEMS, INC. Equities 00724F101   3,316,436 5,423 SH   SOLE   5,388 15 20
ADVANCED MICRO DEVICES INC Equities 007903107   477,390 2,740 SH   SOLE   2,740 0 0
AIR PRODUCTS AND CHEMICALS Equities 009158106   520,759 1,998 SH   SOLE   1,988 10 0
ALBEMARLE CORPORATION Equities 012653101   633,100 5,499 SH   SOLE   5,484 15 0
ALEXANDRIA REAL ESTATE Equities 015271109   452,448 3,668 SH   SOLE   3,668 0 0
ALLSTATE CORP Equities 020002101   503,050 3,248 SH   SOLE   3,248 0 0
ALPHABET INC CL A Equities 02079K305   4,959,354 33,880 SH   SOLE   33,760 40 80
ALPHABET INC CL C Equities 02079K107   675,335 4,564 SH   SOLE   4,564 0 0
AMAZON.COM INC Equities 023135106   2,467,110 15,882 SH   SOLE   15,862 20 0
AMERICAN ELECTRIC POWER CO. Equities 025537101   331,468 4,266 SH   SOLE   4,236 30 0
AMERICAN EXPRESS CO Equities 025816109   2,271,674 12,402 SH   SOLE   12,307 45 50
AMERICAN WATER WORKS Equities 030420103   503,205 4,016 SH   SOLE   3,981 0 35
AMERISOURCEBERGEN Equities 03073E105   581,716 2,665 SH   SOLE   2,665 0 0
ANALOG DEVICES Equities 032654105   2,802,351 14,388 SH   SOLE   14,348 40 0
APPLE COMPUTER INC Equities 037833100   8,577,291 44,776 SH   SOLE   44,641 55 80
APPLIED INDUSTRIAL Equities 03820C105   350,000 2,000 SH   SOLE   2,000 0 0
ASML HOLDING NV Equities N07059210   835,129 1,102 SH   SOLE   1,097 5 0
BANK OF AMERICA CORP. Equities 060505104   685,319 21,270 SH   SOLE   21,270 0 0
BECTON DICKINSON AND CO Equities 075887109   825,615 3,500 SH   SOLE   3,500 0 0
BRISTOL-MYERS SQUIBB Equities 110122108   318,700 6,360 SH   SOLE   6,360 0 0
CHARLES SCHWAB CO Equities 808513105   496,655 7,787 SH   SOLE   7,747 40 0
CHEVRON CORPORATION Equities 166764100   5,690 40 SH   DFND   40 0 0
CHEVRON CORPORATION Equities 166764100   2,505,700 17,616 SH   SOLE   17,571 45 0
COCA COLA CO Equities 191216100   251,286 4,200 SH   SOLE   4,200 0 0
COMCAST CORP CL A Equities 20030N101   1,206,040 27,821 SH   SOLE   27,677 0 144
CONOCOPHILLIPS Equities 20825C104   560,816 5,199 SH   SOLE   5,174 25 0
COSTCO WHOLESALE Equities 22160K105   5,138,608 7,394 SH   SOLE   7,364 10 20
CUMMINS Equities 231021106   1,601,032 6,985 SH   SOLE   6,975 10 0
CVS HEALTH CORP Equities 126650100   242,871 3,317 SH   SOLE   3,217 0 100
DANAHER CORP Equities 235851102   1,747,662 7,564 SH   SOLE   7,539 25 0
DOLLAR GENERAL CORP Equities 256677105   878,337 6,643 SH   SOLE   6,613 30 0
EATON VANCE TAX/MANAGED GLOBAL Equities 27829F108   165,226 21,292 SH   SOLE   21,292 0 0
EDISON INTL Equities 281020107   324,378 4,750 SH   SOLE   4,750 0 0
ELECTRONIC ARTS INC. Equities 285512109   632,410 4,592 SH   SOLE   4,592 0 0
ELI LILLY & CO. Equities 532457108   345,719 550 SH   SOLE   550 0 0
EMERSON ELEC CO Equities 291011104   291,374 3,070 SH   SOLE   2,970 0 100
ENERGY SELECT SECTOR SPDR Equities 81369Y506   578,507 7,216 SH   SOLE   7,116 0 100
ENTERGY CORP Equities 29364G103   296,546 2,993 SH   SOLE   2,968 25 0
EOG RESOURCES INC Equities 26875P101   542,918 4,928 SH   SOLE   4,888 40 0
EVEREST RE GROUP LTD Equities G3223R108   654,220 1,750 SH   SOLE   1,725 0 25
EXXON MOBIL CORP. Equities 30231G102   609,040 6,282 SH   SOLE   6,282 0 0
FIRSTENERGY CORP Equities 337932107   318,286 8,600 SH   SOLE   8,600 0 0
FISERV INC Equities 337738108   757,937 5,452 SH   SOLE   5,452 0 0
GENERAL DYNAMICS Equities 369550108   1,253,682 5,028 SH   SOLE   4,998 30 0
GENERAL MILLS INC Equities 370334104   212,563 3,366 SH   SOLE   3,366 0 0
GOLDMAN SACHS GROUP INC. Equities 38141G104   694,840 1,818 SH   SOLE   1,813 5 0
HOME DEPOT Equities 437076102   3,920,551 10,818 SH   SOLE   10,772 20 26
HONEYWELL INTERNATIONAL INC. Equities 438516106   214,835 1,070 SH   SOLE   1,070 0 0
INTERCONTINENTAL EXCHANGE Equities 45866F104   614,800 4,862 SH   SOLE   4,862 0 0
INTERNATIONAL BUSINESS MACHINES Equities 459200101   475,171 2,771 SH   SOLE   2,771 0 0
INTUIT INC Equities 461202103   208,430 335 SH   SOLE   310 0 25
ISHARES: COHEN & STEERS REIT Equities 464287564   10,600 186 SH   DFND   156 0 30
ISHARES: COHEN & STEERS REIT Equities 464287564   2,646,730 46,442 SH   SOLE   46,386 0 56
ISHARES: Core MSCI Emerging Mar Equities 46434G103   27,104 560 SH   DFND   420 0 140
ISHARES: Core MSCI Emerging Mar Equities 46434G103   8,062,908 166,589 SH   SOLE   166,142 250 197
ISHARES: MSCI EAFE INDEX FUND Equities 464287465   728,211 9,850 SH   SOLE   9,850 0 0
ISHARES: MSCI EAFE SMALL CAP Equities 464288273   17,883 300 SH   DFND   225 0 75
ISHARES: MSCI EAFE SMALL CAP Equities 464288273   5,776,924 96,912 SH   SOLE   96,680 125 107
ISHARES: RUSSELL 1000 GROWTH Equities 464287614   377,798 1,210 SH   SOLE   1,210 0 0
ISHARES: S&P 500 GROWTH INDEX Equities 464287309   971,086 12,514 SH   SOLE   12,514 0 0
ISHARES: S&P 500 INDEX Equities 464287200   343,153 708 SH   DFND   520 0 188
ISHARES: S&P 500 INDEX Equities 464287200   42,750,230 88,203 SH   SOLE   87,952 0 251
ISHARES: S&P 500 VALUE INDEX Equities 464287408   50,132 290 SH   DFND   215 0 75
ISHARES: S&P 500 VALUE INDEX Equities 464287408   10,705,148 61,926 SH   SOLE   61,828 0 98
ISHARES: S&P CA MUNI BOND FUND Equities 464288356   4,957,898 86,480 SH   SOLE   86,480 0 0
ISHARES: S&P MID CAP VALUE INDE Equities 464287705   18,299 165 SH   DFND   120 0 45
ISHARES: S&P MID CAP VALUE INDE Equities 464287705   4,110,509 37,065 SH   SOLE   36,978 30 57
ISHARES: S&P MIDCAP 400 INDEX Equities 464287507   101,077 370 SH   DFND   285 0 85
ISHARES: S&P MIDCAP 400 INDEX Equities 464287507   40,947,770 149,893 SH   SOLE   149,654 125 114
ISHARES: S&P MIDCAP GROWTH Equities 464287606   1,727,814 21,860 SH   SOLE   21,660 200 0
ISHARES: S&P SMALLCAP 600 INDEX Equities 464287804   35,997 345 SH   DFND   270 0 75
ISHARES: S&P SMALLCAP 600 INDEX Equities 464287804   19,670,281 188,521 SH   SOLE   187,940 185 396
ISHARES: US PFD STOCK INDEX Equities 464288687   25,916 823 SH   DFND   733 0 90
ISHARES: US PFD STOCK INDEX Equities 464288687   3,771,022 119,753 SH   SOLE   119,280 80 393
JOHNSON & JOHNSON Equities 478160104   6,467 40 SH   DFND   40 0 0
JOHNSON & JOHNSON Equities 478160104   695,871 4,304 SH   SOLE   4,304 0 0
JP MORGAN CHASE & CO. Equities 46625H100   4,089,313 24,011 SH   SOLE   23,911 50 50
KINDER MORGAN INC Equities 49456B101   555,285 32,284 SH   SOLE   32,034 250 0
KLA CORP Equities 482480100   3,155,060 5,147 SH   SOLE   5,112 15 20
LAM RESEARCH CORP Equities 512807108   1,990,605 2,409 SH   SOLE   2,389 10 10
LOWES COMPANIES INC. Equities 548661107   488,422 2,220 SH   SOLE   2,220 0 0
M&T BANK CORPORATION Equities 55261F104   4,182 30 SH   DFND   30 0 0
M&T BANK CORPORATION Equities 55261F104   294,810 2,115 SH   SOLE   2,115 0 0
MCDONALDS CORP Equities 580135101   262,363 873 SH   SOLE   873 0 0
MCKESSON HBOC INC. Equities 58155Q103   988,584 2,040 SH   SOLE   1,990 0 50
MEDTRONIC PLC Equities G5960L103   627,225 7,252 SH   SOLE   7,177 75 0
MERCK Equities 58933Y105   422,060 3,550 SH   SOLE   3,550 0 0
META PLATFORMS INC Equities 30303M102   1,818,703 4,743 SH   SOLE   4,721 22 0
MICRON TECHNOLOGY INC Equities 595112103   1,737,161 19,851 SH   SOLE   19,761 90 0
MICROSOFT CORP. Equities 594918104   7,216,724 18,102 SH   SOLE   18,022 30 50
MORGAN STANLEY Equities 617446448   426,956 5,003 SH   SOLE   5,003 0 0
MORNINGSTAR INC Equities 617700109   509,409 1,828 SH   SOLE   1,828 0 0
NETFLIX INC COM Equities 64110L106   395,536 819 SH   SOLE   819 0 0
NEXTERA ENERGY, INC. Equities 65339F101   787,554 13,754 SH   SOLE   13,684 0 70
NIKE INC. Equities 654106103   431,547 4,240 SH   SOLE   4,240 0 0
NORTHROP GRUMMAN Equities 666807102   681,726 1,449 SH   SOLE   1,449 0 0
NOVO NORDISK A-S Equities 670100205   344,625 3,222 SH   SOLE   3,222 0 0
ORACLE CORP Equities 68389X105   1,140,020 10,395 SH   SOLE   10,360 35 0
PALO ALTO NETWORKS INC Equities 697435105   289,443 857 SH   SOLE   857 0 0
PARKER HANNIFIN CORP Equities 701094104   3,599,271 7,652 SH   SOLE   7,637 15 0
PEPSICO INC Equities 713448108   394,391 2,379 SH   SOLE   2,379 0 0
PNC FINANCIAL SERVICES GROUP Equities 693475105   537,868 3,567 SH   SOLE   3,547 20 0
PPG IND INC Equities 693506107   848,906 6,004 SH   SOLE   6,004 0 0
PROCTER & GAMBLE COMPANY Equities 742718109   221,945 1,504 SH   SOLE   1,504 0 0
PROGRESSIVE CORP Equities 743315103   1,738,150 10,216 SH   SOLE   10,166 50 0
QUALCOMM INC. Equities 747525103   1,837,500 12,092 SH   SOLE   12,032 60 0
S&P GLOBAL Equities 78409V104   386,706 875 SH   SOLE   875 0 0
SKYWORKS SOLUTIONS INC Equities 83088M102   976,522 9,209 SH   SOLE   9,174 0 35
SPDR BARCLAY'S CONVERTIBLE Equities 78464A359   348,439 4,900 SH   SOLE   4,900 0 0
SPDR S&P MIDCAP 400 ETF Equities 78467Y107   726,776 1,453 SH   SOLE   1,453 0 0
STANDARD & POORS DEP. RECEIPTS Equities 78462F103   752,591 1,560 SH   SOLE   1,560 0 0
STRYKER CORP Equities 863667101   2,086,261 6,622 SH   SOLE   6,577 25 20
TAIWAN SEMICONDUCTOR ADR Equities 874039100   336,319 2,945 SH   SOLE   2,945 0 0
THERMO FISHER SCIENTIFIC CORP Equities 883556102   209,113 379 SH   SOLE   379 0 0
TMOBILE US Equities 872590104   513,152 3,107 SH   SOLE   3,067 40 0
TRAVELERS COMPANIES INC Equities 89417E109   705,284 3,332 SH   SOLE   3,332 0 0
U.S. BANCORP Equities 902973304   385,358 9,173 SH   SOLE   9,113 60 0
UNION PAC CORP Equities 907818108   332,346 1,389 SH   SOLE   1,389 0 0
UNITED HEALTH GROUP Equities 91324P102   1,487,516 2,954 SH   SOLE   2,937 17 0
VANGUARD INDEX FDS GROWTH ETF Equities 922908736   283,182 885 SH   SOLE   885 0 0
VANGUARD INTERM-TERM BOND ETF Equities 921937819   174,852 2,315 SH   DFND   2,020 0 295
VANGUARD INTERM-TERM BOND ETF Equities 921937819   26,639,355 352,699 SH   SOLE   351,448 275 976
VANGUARD TOTAL STOCK MARKET FUN Equities 922908769   711,434 2,970 SH   SOLE   2,970 0 0
VERIZON COMMUNICATIONS Equities 92343V104   310,235 7,888 SH   SOLE   7,888 0 0
VISA INC Equities 92826C839   3,742,213 13,814 SH   SOLE   13,739 35 40
WAL MART STORES, INC Equities 931142103   2,144,715 13,208 SH   SOLE   13,138 20 50
WALT DISNEY COMPANY Equities 254687106   909,010 9,768 SH   SOLE   9,723 45 0
WASTE MANAGEMENT INC. Equities 94106L109   351,746 1,907 SH   SOLE   1,907 0 0
WATERS CORP. Equities 941848103   1,153,253 3,691 SH   SOLE   3,681 10 0
WEC ENERGY GROUP INC Equities 92939U106   238,649 2,982 SH   SOLE   2,982 0 0
WELLS FARGO & CO. Equities 949746101   2,104,817 43,741 SH   SOLE   43,741 0 0
WILLIAMS-SONOMA INC Equities 969904101   1,760,556 8,529 SH   SOLE   8,454 25 50
ZIONS BANCORP Equities 989701107   200,234 4,811 SH   SOLE   4,811 0 0