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
AT&T INC COM 00206R102 8,874 293,559 SH   DFND   12,702 0 280,856
ABBOTT LABORATORIES COM 002824100 9,514 104,060 SH   DFND   2,150 0 101,910
ABBVIE INC COM 00287Y109 1,770 18,026 SH   DFND   150 0 17,876
ADOBE INC. COM 00724F101 686 1,575 SH   DFND   0 0 1,575
AGILENT TECHNOLOGIES INC COM 00846U101 211 2,388 SH   DFND   0 0 2,388
AIR PRODUCTS& CHEMICALS INC COM 009158106 205 850 SH   DFND   0 0 850
ALPHABET CLASS C COM 02079K107 1,363 964 SH   DFND   20 0 944
ALPHABET CLASS A COM 02079K305 17,870 12,602 SH   DFND   557 0 12,045
AMAZON.COM COM 023135106 259 94 SH   DFND   0 0 94
AMERICAN EXPRESS CO COM 025816109 325 3,410 SH   DFND   0 0 3,410
AMERICAN WATER WORKS CO COM 030420103 15,721 122,194 SH   DFND   1,650 0 120,544
AMGEN INC COM 031162100 450 1,907 SH   DFND   325 0 1,582
APPLE INC COM 037833100 28,517 78,171 SH   DFND   3,021 0 75,150
AUTOMATIC DATA PROCESSING INC COM 053015103 782 5,252 SH   DFND   2,390 0 2,862
BANK OF AMERICA CORP COM 060505104 427 17,981 SH   DFND   1,930 0 16,051
BARON SMALL CAP FUND INSTITUTIONAL CLA 068278803 1,707 53,219 SH   DFND   0 0 53,219
BAXTER INTERNATIONAL INC COM 071813109 239 2,775 SH   DFND   0 0 2,775
BECTON DICKINSON& CO COM 075887109 260 1,087 SH   DFND   0 0 1,087
BERKSHIRE HATHAWAY INC CLASS B COM 084670702 1,812 10,149 SH   DFND   475 0 9,674
BIO RAD LABS INC COM 090572207 266 590 SH   DFND   0 0 590
BLACKROCK INC COM 09247X101 206 378 SH   DFND   0 0 378
WILLIAM BLAIR INT'L GROWTH FD CLASS I #1747 093001774 244 8,013 SH   DFND   0 0 8,013
BRISTOL-MYERS SQUIBB CO COM 110122108 268 4,565 SH   DFND   200 0 4,365
CSX CORPORATION COM 126408103 2,646 37,935 SH   DFND   375 0 37,560
CVS HEALTH CORPORATION COM 126650100 5,513 84,857 SH   DFND   2,375 0 82,482
CALIFORNIA WTR SVC GRP CA COM 130788102 200 4,200 SH   DFND   0 0 4,200
CARRIER GLOBAL CORPORATION COM 14448C104 348 15,684 SH   DFND   470 0 15,214
CHEVRON CORP COM 166764100 11,881 133,155 SH   DFND   5,576 0 127,579
CISCO SYSTEMS INC COM 17275R102 547 11,718 SH   DFND   0 0 11,718
CITIGROUP INC COM 172967424 6,358 124,420 SH   DFND   3,083 0 121,337
COCA-COLA COMPANY COM 191216100 1,286 28,774 SH   DFND   350 0 28,424
COGNIZANT TECH SOL CL A COM 192446102 212 3,725 SH   DFND   3,200 0 525
COLGATE-PALMOLIVE CO. COM 194162103 571 7,799 SH   DFND   3,300 0 4,499
COMCAST CORP CL A (NEW) COM 20030N101 657 16,859 SH   DFND   0 0 16,859
CONOCOPHILLIPS COM 20825C104 288 6,849 SH   DFND   0 0 6,849
CONSTELLATION BRANDS INC CL A COM 21036P108 6,140 35,095 SH   DFND   1,165 0 33,930
COSTCO WHSL CORP (NEW) COM 22160K105 2,076 6,848 SH   DFND   730 0 6,118
CROWN CASTLE INTERNATIONAL COM 22822V101 15,230 91,005 SH   DFND   1,325 0 89,680
DANAHER CORP COM 235851102 998 5,643 SH   DFND   0 0 5,643
DEERE& CO COM 244199105 656 4,175 SH   DFND   0 0 4,175
DEVON ENERGY CORP (NEW) COM 25179M103 666 58,769 SH   DFND   100 0 58,669
DISNEY CO. (WALT) COM 254687106 15,704 140,832 SH   DFND   8,540 0 132,292
DISCOVER FINL SVCS COM 254709108 5,141 102,640 SH   DFND   2,360 0 100,280
DOW INC COM 260557103 227 5,565 SH   DFND   244 0 5,321
DUKE ENERGY CORP COM 26441C204 631 7,893 SH   DFND   1,488 0 6,405
EOG RESOURCES INC COM 26875P101 775 15,295 SH   DFND   390 0 14,905
ETFMG PRIME CYBER SECURITY ETF COM 26924G201 13,675 307,438 SH   DFND   13,415 0 294,023
EATON VANCE DIV BUILDER I FUND 277905634 1,212 83,155 SH   DFND   0 0 83,155
ECOLAB INC COM 278865100 1,639 8,240 SH   DFND   145 0 8,095
EMERSON ELECTRIC COMPANY COM 291011104 825 13,295 SH   DFND   0 0 13,295
ENTERPRISE PRD PRTNRS LP COM 293792107 364 20,042 SH   DFND   0 0 20,042
EVERSOURCE ENERGY COM 30040W108 1,153 13,843 SH   DFND   0 0 13,843
EXXON MOBIL CORP COM 30231G102 2,689 60,130 SH   DFND   7,880 0 52,250
FORTIVE CORP COMMON SHARE COM 34959J108 206 3,050 SH   DFND   0 0 3,050
GENUINE PARTS CO COM 372460105 341 3,920 SH   DFND   2,200 0 1,720
GLOBE LIFE INC COM 37959E102 223 3,004 SH   DFND   0 0 3,004
AMERICAN GROWTH FUND F-3 FUND 399874775 6,498 118,693 SH   DFND   0 0 118,693
HEALTHPEAK PPTYS INC. COM 42250P103 303 10,991 SH   DFND   1,800 0 9,191
HOME DEPOT INC COM 437076102 4,767 19,029 SH   DFND   790 0 18,239
HONEYWELL INTERNATIONAL INC COM 438516106 708 4,899 SH   DFND   1,930 0 2,969
INTEL CORPORATION COM 458140100 1,641 27,423 SH   DFND   2,929 0 24,494
INTERNATIONAL BUSINESS MACHINE COM 459200101 432 3,581 SH   DFND   305 0 3,276
INVESCO CLEAN ENERGY ETF COM 46137V134 421 10,360 SH   DFND   0 0 10,360
INVESCO WATER RESOURCES ETF COM 46137V142 1,058 29,115 SH   DFND   0 0 29,115
INVESCO DYNAMIC PHARMACEUTICAL COM 46137V662 612 9,450 SH   DFND   0 0 9,450
ISHARES TR S&P 500 INDEX FUND COM 464287200 753 2,431 SH   DFND   0 0 2,431
ISHARES TR MSCI EAFE FUND ETF COM 464287465 1,398 22,970 SH   DFND   0 0 22,970
ISHARES RUSELL MIDCAPE VALUE COM 464287473 653 8,536 SH   DFND   0 0 8,536
ISHARES RUSSELL MID CAP GROWTH COM 464287481 871 5,506 SH   DFND   0 0 5,506
ISHARES RUSSELL MIDCAP INDEX COM 464287499 885 16,515 SH   DFND   0 0 16,515
ISHARES TR NASDAQ BIO FD NASDAQ BIOTECH IN 464287556 1,309 9,580 SH   DFND   0 0 9,580
ISHARES TR RUSSELL 2000 COM 464287655 472 3,300 SH   DFND   0 0 3,300
ISHARES DJ US REGIONAL BANKS COM 464288778 1,753 51,834 SH   DFND   3,375 0 48,459
ISHARES US MEDICAL DEVICES ETF COM 464288810 10,711 40,455 SH   DFND   555 0 39,900
JPMORGAN CHASE& CO COM 46625H100 15,342 163,105 SH   DFND   6,345 0 156,760
JACOBS ENGINEERING GROUP INC COM 469814107 8,733 102,980 SH   DFND   2,740 0 100,240
JOHNSON& JOHNSON COM 478160104 5,188 36,890 SH   DFND   710 0 36,180
JPMORGAN INCOME BUILDER FUND CLASS I SHARES 4812A3254 1,936 193,400 SH   DFND   0 0 193,400
KIMBERLY CLARK COM 494368103 799 5,652 SH   DFND   2,745 0 2,907
KINDER MORGAN INC COM 49456B101 7,374 486,074 SH   DFND   10,412 0 475,662
ELI LILLY& COMPANY COM 532457108 407 2,477 SH   DFND   0 0 2,477
LOCKHEED MARTIN CORP COM 539830109 1,661 4,552 SH   DFND   30 0 4,522
LOWES CO INC COM 548661107 14,262 105,547 SH   DFND   2,834 0 102,713
MFS VALUE FUND CL I FUND 552983694 4,033 104,677 SH   DFND   0 0 104,677
MASTERCARD INC COM 57636Q104 202 683 SH   DFND   0 0 683
MATTHEWS ASIA DIVIDEND FUND FUND 577125107 1,532 90,986 SH   DFND   0 0 90,986
MATTHEWS PACIFIC TIGER FUND FUND 577130107 294 10,721 SH   DFND   0 0 10,721
MCDONALDS CORP COM 580135101 1,095 5,934 SH   DFND   2,969 0 2,965
MERCK& CO. INC. COM 58933Y105 12,805 165,590 SH   DFND   4,589 0 161,001
METLIFE INC COM 59156R108 6,765 185,232 SH   DFND   6,305 0 178,927
MICROSOFT CORP COM 594918104 32,163 158,040 SH   DFND   5,001 0 153,038
MID AMERICA APARTMENT COM. COM 59522J103 6,785 59,169 SH   DFND   3,215 0 55,954
MONDELEZ INTERNATIONAL INC COM 609207105 2,194 42,910 SH   DFND   2,660 0 40,250
MOODY'S CORP COM 615369105 376 1,367 SH   DFND   0 0 1,367
NESTLE SA SPNSRD ADR REP RG SH COM 641069406 443 4,008 SH   DFND   2,000 0 2,008
AMERICAN NEW PERSPECTIVE FD F3 FUND 648018778 3,145 65,722 SH   DFND   0 0 65,722
NEWMONT CORPORATION COM 651639106 340 5,500 SH   DFND   0 0 5,500
NEXTERA ENERGY INC COM 65339F101 1,478 6,154 SH   DFND   750 0 5,404
NORFOLK SOUTHERN CORP COM 655844108 259 1,476 SH   DFND   0 0 1,476
NOVO-NORDISK A-S ADR F 1 ADR REP 1 ORD 670100205 545 8,320 SH   DFND   6,500 0 1,820
ORACLE CORP COM 68389X105 1,245 22,531 SH   DFND   500 0 22,031
OTIS WORLDWIDE CORP COM 68902V107 1,189 20,917 SH   DFND   2,991 0 17,926
PEPSICO INCORPORATED COM 713448108 16,051 121,360 SH   DFND   5,120 0 116,240
PFIZER INC COM 717081103 8,572 262,155 SH   DFND   12,536 0 249,619
PIMCO INCOME FD CL I-2 FUND 72201M719 120 10,414 SH   DFND   0 0 10,414
PRICE T ROWE GROWTH STOCK FD FUND 741479109 382 4,771 SH   SOLE   4,771 0 0
PROCTER AND GAMBLE COMPANY COM 742718109 12,263 102,557 SH   DFND   5,835 0 96,722
PROSHARES ULTRA S&P500 COM 74347R107 410 3,275 SH   DFND   0 0 3,275
QUALCOMM INC. COM 747525103 15,480 169,713 SH   DFND   4,360 0 165,353
RAYTHEON TECHNOLOGIES CORP COM 75513E101 11,127 180,573 SH   DFND   9,436 0 171,137
T ROWE PRICE EQUITY INCOME FD FUND 779547108 434 16,875 SH   DFND   2,453 0 14,422
T. ROWE PRICE NEW HORIZONS FD FUND 779562107 216 3,019 SH   SOLE   3,019 0 0
S&P 500 DEPOSITARY RECEIPTS COM 78462F103 1,788 5,797 SH   DFND   1,492 0 4,305
SPDR SERIES TRUST S&P BIOTECH COM 78464A870 10,499 93,787 SH   DFND   4,280 0 89,507
SCHLUMBERGER LIMITED COM 806857108 1,066 57,982 SH   DFND   1,935 0 56,047
SCHWAB S&P 500 INDEX FUN D - SELECT SHARES 808509855 638 13,324 SH   DFND   2,800 0 10,523
SCHWAB 1000 FUND FUND 808517106 252 3,646 SH   DFND   860 0 2,785
SCHWAB US LARGE CAP COM 808524201 528 7,130 SH   DFND   270 0 6,860
SECT SPDR MATERIALS FUND COM 81369Y100 690 12,250 SH   DFND   3,000 0 9,250
SECT SPDR HEALTH CARE SELECT COM 81369Y209 599 5,987 SH   DFND   500 0 5,487
AMEX FINANCIAL SELECT SPDR COM 81369Y605 511 22,095 SH   DFND   400 0 21,695
SPDR AMEX TECH SELECT INDEX COM 81369Y803 293 2,800 SH   DFND   300 0 2,500
SECT SPDR THE UTILITES SEL FD COM 81369Y886 722 12,793 SH   DFND   4,568 0 8,225
SEMPRA ENERGY COM 816851109 252 2,149 SH   DFND   0 0 2,149
SIRIUS XM HOLDINGS INC. COM 82968B103 68 11,500 SH   DFND   4,000 0 7,500
STARBUCKS CORP COM 855244109 489 6,645 SH   DFND   0 0 6,645
STARWOOD PROPERTY TRUST, INC. COM 85571B105 4,134 276,352 SH   DFND   14,810 0 261,542
STRYKER CORP COM 863667101 422 2,340 SH   DFND   1,500 0 840
THERMO FISHER SCIENTIFIC INC COM 883556102 17,485 48,256 SH   DFND   175 0 48,081
3M CO COM 88579Y101 681 4,368 SH   DFND   1,665 0 2,703
TRAVELERS COS INC/THE COM 89417E109 1,300 11,402 SH   DFND   0 0 11,402
U.S. BANCORP COM 902973304 5,702 154,870 SH   DFND   6,338 0 148,532
UNION PACIFIC CORPORATION COM 907818108 1,074 6,352 SH   DFND   280 0 6,072
UNITED PARCEL SERVICE -CL B COM 911312106 6,164 55,438 SH   DFND   2,195 0 53,243
UNITED HEALTH GROUP INC. COM 91324P102 11,758 39,863 SH   DFND   2,090 0 37,773
UNIVERSAL DISPLAY CORP COM 91347P105 400 2,675 SH   DFND   400 0 2,275
VANGUARD INTERNATIONAL GROWTH FUND 921910204 247 6,806 SH   DFND   4,410 0 2,396
VANGUARD FTSE ALL WORLD ex US ETF 922042775 1,036 21,770 SH   DFND   0 0 21,770
VANGUARD INFORMATION TECH ETF COM 92204A702 3,045 10,924 SH   DFND   0 0 10,924
VANGUARD INDEX FUNDS 500 INDEX ADMI 922908710 749 2,618 SH   DFND   1,782 0 836
VANGUARD TOTAL STOCK MKT COM 922908769 739 4,721 SH   DFND   0 0 4,721
VERIZON COMMUNICATIONS COM 92343V104 1,846 33,485 SH   DFND   3,017 0 30,467
VISA INC-CLASS A SHRS COM 92826C839 17,727 91,767 SH   DFND   1,950 0 89,817
WEC ENERGY GROUP INC COM 92939U106 253 2,892 SH   DFND   2,600 0 292
WAL MART INC. COM 931142103 496 4,141 SH   DFND   0 0 4,141
WALGREEN BOOTS ALLIANCE INC COM 931427108 212 5,000 SH   DFND   0 0 5,000
WASTE MANAGEMENT INC. COM 94106L109 1,513 14,283 SH   DFND   0 0 14,283
WELLS FARGO& CO (NEW) COM 949746101 315 12,316 SH   DFND   750 0 11,566
WEYERHAEUSER COMPANY COM 962166104 4,199 186,971 SH   DFND   6,070 0 180,901
WHEATON PRECIOUS METALS CORP COM 962879102 339 7,700 SH   DFND   0 0 7,700
WISDOMTREE TRUST EUROPE HEDGED EQUITY FUND 97717X701 2,512 41,379 SH   DFND   1,560 0 39,819
PENTAIR PLC COM G7S00T104 3,716 97,807 SH   DFND   4,625 0 93,182
CHUBB LIMITED COM H1467J104 210 1,656 SH   DFND   0 0 1,656