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
Estimated average burden
hours per response: 23.8
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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M Company COM STK 88579y101 25,733 146,947 SH   SOLE   4,703 0 142,244
3M Company COM STK 88579y101 33 190 SH   DFND   0 0 190
ABB, Ltd. COM STK 000375204 6,377 321,585 SH   SOLE   14,166 0 307,419
ABB, Ltd. COM STK 000375204 12 580 SH   DFND   0 0 580
AFLAC, Inc. COM STK 001055102 8,893 123,241 SH   SOLE   4,835 0 118,406
AFLAC, Inc. COM STK 001055102 14 195 SH   DFND   0 0 195
AT & T, Inc. New COM STK 00206r102 22,357 517,396 SH   SOLE   19,370 0 498,026
AT & T, Inc. New COM STK 00206r102 123 2,849 SH   DFND   0 0 2,849
AbbVie, Inc. COM STK 00287Y109 959 15,495 SH   SOLE   0 0 15,495
AbbVie, Inc. COM STK 00287Y109 9 139 SH   DFND   0 0 139
Abbott Laboratories COM STK 002824100 10,855 276,135 SH   SOLE   10,433 0 265,702
Abbott Laboratories COM STK 002824100 18 449 SH   DFND   0 0 449
Aetna Inc. COM STK 00817y108 1,093 8,950 SH   SOLE   0 0 8,950
Allstate Corp. COM STK 020002101 220 3,148 SH   SOLE   0 0 3,148
Alphabet Inc. Class A COM STK 02079K305 228 324 SH   SOLE   0 0 324
Alphabet Inc. Class A COM STK 02079K305 28 40 SH   DFND   0 0 40
Alphabet Inc. Class C COM STK 02079K107 196 283 SH   SOLE   0 0 283
Alphabet Inc. Class C COM STK 02079K107 28 40 SH   DFND   0 0 40
American Growth Fd of America COM STK 399874106 621 15,000 SH   SOLE   0 0 15,000
Amgen, Inc. COM STK 031162100 580 3,812 SH   SOLE   0 0 3,812
Amgen, Inc. COM STK 031162100 365 2,400 SH   DFND   0 0 2,400
Apple Computer, Inc. COM STK 037833100 7,310 76,463 SH   SOLE   3,170 0 73,293
Apple Computer, Inc. COM STK 037833100 71 738 SH   DFND   0 0 738
Ascendant Group Ltd. COM STK g05158103 123 24,200 SH   SOLE   0 0 24,200
Automatic Data Processing COM STK 053015103 14,617 159,110 SH   SOLE   5,410 0 153,700
Automatic Data Processing COM STK 053015103 21 225 SH   DFND   0 0 225
Bank of New York Mellon Corp COM STK 064058100 9,164 235,879 SH   SOLE   10,270 0 225,609
Bank of New York Mellon Corp COM STK 064058100 8 200 SH   DFND   0 0 200
Bemis Co., Inc. COM STK 081437105 12,254 237,983 SH   SOLE   9,450 0 228,533
Bemis Co., Inc. COM STK 081437105 19 370 SH   DFND   0 0 370
Berkshire Hathaway Cl A (1/100 COM STK 084990175 434 200 SH   SOLE   0 0 200
Berkshire Hathaway Cl B COM STK 084670702 894 6,172 SH   SOLE   0 0 6,172
Bio-Rad Labs, Inc. COM STK 090572207 412 2,878 SH   SOLE   0 0 2,878
Boeing Company COM STK 097023105 474 3,650 SH   SOLE   0 0 3,650
Bristol-Myers Squibb Co. COM STK 110122108 1,707 23,208 SH   SOLE   0 0 23,208
Bristol-Myers Squibb Co. COM STK 110122108 7 100 SH   DFND   0 0 100
CDK Global, Inc. COM STK 12508e101 204 3,672 SH   SOLE   0 0 3,672
Carnival Corp COM STK 143658300 4,804 108,682 SH   SOLE   4,880 0 103,802
Carnival Corp COM STK 143658300 8 190 SH   DFND   0 0 190
Caterpillar, Inc. COM STK 149123101 353 4,659 SH   SOLE   0 0 4,659
Caterpillar, Inc. COM STK 149123101 15 200 SH   DFND   0 0 200
Chevron Corporation COM STK 166764100 16,024 152,853 SH   SOLE   5,530 0 147,323
Chevron Corporation COM STK 166764100 162 1,550 SH   DFND   0 0 1,550
Clorox Company COM STK 189054109 5,140 37,140 SH   SOLE   0 0 37,140
Clorox Company COM STK 189054109 424 3,067 SH   DFND   0 0 3,067
Coca Cola Co COM STK 191216100 19,734 435,335 SH   SOLE   15,805 0 419,530
Coca Cola Co COM STK 191216100 31 692 SH   DFND   0 0 692
Colgate Palmolive COM STK 194162103 5,247 71,675 SH   SOLE   2,800 0 68,875
Colgate Palmolive COM STK 194162103 12 165 SH   DFND   0 0 165
DFA Tax Mgd US Equity Fd COM STK 233203447 210 9,359 SH   SOLE   0 0 9,359
Deere & Co. COM STK 244199105 317 3,910 SH   SOLE   0 0 3,910
Disney Company, Walt COM STK 254687106 643 6,577 SH   SOLE   0 0 6,577
Dominion Res, Inc. COM STK 25746U109 265 3,398 SH   SOLE   0 0 3,398
Dover Corp. COM STK 260003108 250 3,600 SH   SOLE   0 0 3,600
Dow Chemical COM STK 260543103 355 7,132 SH   SOLE   0 0 7,132
Du Pont COM STK 263534109 14,980 231,172 SH   SOLE   9,150 0 222,022
Du Pont COM STK 263534109 30 460 SH   DFND   0 0 460
Edison Intl Corp COM STK 281020107 629 8,100 SH   SOLE   0 0 8,100
Edison Intl Corp COM STK 281020107 8 100 SH   DFND   0 0 100
Eli Lilly Co COM STK 532457108 1,059 13,450 SH   SOLE   0 0 13,450
Exxon Mobil Corp COM STK 30231G102 15,959 170,242 SH   SOLE   5,125 0 165,117
Exxon Mobil Corp COM STK 30231G102 30 315 SH   DFND   0 0 315
Ford Motor Co COM STK 345370860 5,347 425,401 SH   SOLE   21,580 0 403,821
Ford Motor Co COM STK 345370860 5 400 SH   DFND   0 0 400
General Electric COM STK 369604103 30,080 955,517 SH   SOLE   33,675 0 921,842
General Electric COM STK 369604103 57 1,816 SH   DFND   0 0 1,816
General Mills COM STK 370334104 670 9,400 SH   SOLE   0 0 9,400
Gilead Sciences, Inc. COM STK 375558103 204 2,450 SH   SOLE   0 0 2,450
Grainger, W.W., Inc. COM STK 384802104 2,493 10,969 SH   SOLE   125 0 10,844
Grainger, W.W., Inc. COM STK 384802104 57 250 SH   DFND   0 0 250
Home Depot, Inc. COM STK 437076102 17,402 136,286 SH   SOLE   5,165 0 131,121
Home Depot, Inc. COM STK 437076102 11 90 SH   DFND   0 0 90
Honeywell, Inc. COM STK 438516106 553 4,750 SH   SOLE   0 0 4,750
Intel Corp COM STK 458140100 17,435 531,564 SH   SOLE   21,250 0 510,314
Intel Corp COM STK 458140100 205 6,250 SH   DFND   0 0 6,250
Intl Business Machines Corp COM STK 459200101 12,590 82,951 SH   SOLE   2,963 0 79,988
Intl Business Machines Corp COM STK 459200101 2 10 SH   DFND   0 0 10
J P Morgan Chase & Co COM STK 46625H100 21,733 349,739 SH   SOLE   13,085 0 336,654
J P Morgan Chase & Co COM STK 46625H100 52 841 SH   DFND   0 0 841
Johnson & Johnson COM STK 478160104 29,337 241,859 SH   SOLE   9,024 0 232,835
Johnson & Johnson COM STK 478160104 43 355 SH   DFND   0 0 355
Kellogg Co. COM STK 487836108 212 2,600 SH   SOLE   0 0 2,600
Keytech Ltd. COM STK g52536102 76 27,247 SH   SOLE   0 0 27,247
Kimberly-Clark COM STK 494368103 280 2,040 SH   SOLE   150 0 1,890
Lincoln National Corp COM STK 534187109 268 6,900 SH   SOLE   0 0 6,900
Lincoln National Corp COM STK 534187109 16 400 SH   DFND   0 0 400
Marsh & McLennan, Inc. COM STK 571748102 561 8,200 SH   SOLE   0 0 8,200
McDonald's Corp COM STK 580135101 1,474 12,248 SH   SOLE   100 0 12,148
McGrath Rent Corp COM STK 580589109 245 8,000 SH   SOLE   0 0 8,000
McKesson HBOC Corp. COM STK 58155Q103 653 3,500 SH   SOLE   0 0 3,500
Merck & Co, Inc. COM STK 58933Y105 565 9,799 SH   SOLE   0 0 9,799
Microsoft Corp COM STK 594918104 15,455 302,042 SH   SOLE   12,500 0 289,542
Microsoft Corp COM STK 594918104 27 535 SH   DFND   0 0 535
Mondelez Intl, Inc. COM STK 609207105 789 17,329 SH   SOLE   650 0 16,679
Mondelez Intl, Inc. COM STK 609207105 7 155 SH   DFND   0 0 155
Mynd Analytics Inc. COM STK 62857N103 1 32,181 SH   SOLE   0 0 32,181
Nextera Energy, Inc. COM STK 65339F101 787 6,033 SH   SOLE   0 0 6,033
Norfolk Southern Grp COM STK 655844108 1,502 17,639 SH   SOLE   0 0 17,639
Oracle Corp COM STK 68389X105 1,290 31,528 SH   SOLE   0 0 31,528
PNC Financial Services Group COM STK 693475105 508 6,243 SH   SOLE   0 0 6,243
Paccar Inc. COM STK 693718108 1,385 26,700 SH   SOLE   0 0 26,700
Pepsico, Inc. COM STK 713448108 1,060 10,002 SH   SOLE   0 0 10,002
Pfizer, Inc. COM STK 717081103 1,848 52,478 SH   SOLE   0 0 52,478
Pfizer, Inc. COM STK 717081103 28 801 SH   DFND   0 0 801
Pitney Bowes, Inc. COM STK 724479100 263 14,750 SH   SOLE   0 0 14,750
Praxair, Inc. COM STK 74005P104 322 2,863 SH   SOLE   0 0 2,863
Praxair, Inc. COM STK 74005P104 2 20 SH   DFND   0 0 20
Procter & Gamble Co COM STK 742718109 25,458 300,670 SH   SOLE   10,536 0 290,134
Procter & Gamble Co COM STK 742718109 26 310 SH   DFND   0 0 310
Qualcomm Inc COM STK 747525103 12,624 235,649 SH   SOLE   9,330 0 226,319
Qualcomm Inc COM STK 747525103 35 655 SH   DFND   0 0 655
Royal Dutch Shell A COM STK 780259206 691 12,510 SH   SOLE   0 0 12,510
SJW Corporation COM STK 784305104 240 6,100 SH   SOLE   0 0 6,100
Schlumberger, Ltd. COM STK 806857108 11,271 142,524 SH   SOLE   6,122 0 136,402
Schlumberger, Ltd. COM STK 806857108 13 165 SH   DFND   0 0 165
Stryker Corp. COM STK 863667101 14,098 117,647 SH   SOLE   3,892 0 113,755
Stryker Corp. COM STK 863667101 18 150 SH   DFND   0 0 150
Target Corporation COM STK 87612E106 255 3,648 SH   SOLE   0 0 3,648
Toyota Motor Corp COM STK 892331307 227 2,275 SH   SOLE   0 0 2,275
US Bancorp COM STK 902973304 964 23,900 SH   SOLE   0 0 23,900
Unilever NV COM STK 904784709 722 15,381 SH   SOLE   0 0 15,381
Union Pacific Corp COM STK 907818108 6,869 78,731 SH   SOLE   1,460 0 77,271
Union Pacific Corp COM STK 907818108 6 70 SH   DFND   0 0 70
United Parcel Service COM STK 911312106 7,463 69,279 SH   SOLE   2,515 0 66,764
United Parcel Service COM STK 911312106 10 95 SH   DFND   0 0 95
United Techs Corp COM STK 913017109 832 8,113 SH   SOLE   0 0 8,113
V F Corp COM STK 918204108 8,721 141,825 SH   SOLE   7,070 0 134,755
V F Corp COM STK 918204108 20 320 SH   DFND   0 0 320
Verizon Communications COM STK 92343V104 494 8,851 SH   SOLE   0 0 8,851
Verizon Communications COM STK 92343V104 6 114 SH   DFND   0 0 114
Wal Mart Stores, Inc. COM STK 931142103 751 10,283 SH   SOLE   0 0 10,283
Wells Fargo & Co. COM STK 949746101 11,930 252,070 SH   SOLE   6,950 0 245,120
Wells Fargo & Co. COM STK 949746101 30 625 SH   DFND   0 0 625
WestAmerica Bancorp COM STK 957090103 233 4,735 SH   SOLE   0 0 4,735
Xcel Energy, Inc. COM STK 98389B100 24,378 544,393 SH   SOLE   23,560 0 520,833
Xcel Energy, Inc. COM STK 98389B100 14 310 SH   DFND   0 0 310
Yum Brands, Inc. COM STK 895953107 208 2,513 SH   SOLE   0 0 2,513