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   2,457,329 21,620 SH   SOLE   21,478 60 82
ABBVIE INC. Equities 00287Y109   1,521,446 8,355 SH   SOLE   8,315 40 0
ACCENTURE PLC Equities G1151C101   1,732,703 4,999 SH   SOLE   4,994 0 5
ADOBE SYSTEMS, INC. Equities 00724F101   2,687,500 5,326 SH   SOLE   5,281 15 30
ADVANCED MICRO DEVICES INC Equities 007903107   509,704 2,824 SH   SOLE   2,740 0 84
AIR PRODUCTS AND CHEMICALS Equities 009158106   497,138 2,052 SH   SOLE   2,042 10 0
ALBEMARLE CORPORATION Equities 012653101   714,953 5,427 SH   SOLE   5,412 15 0
ALEXANDRIA REAL ESTATE Equities 015271109   507,003 3,933 SH   SOLE   3,915 0 18
ALLSTATE CORP Equities 020002101   561,936 3,248 SH   SOLE   3,248 0 0
ALPHABET INC CL A Equities 02079K305   5,058,419 33,515 SH   SOLE   33,267 40 208
ALPHABET INC CL C Equities 02079K107   688,824 4,524 SH   SOLE   4,524 0 0
AMAZON.COM INC Equities 023135106   2,842,789 15,760 SH   SOLE   15,669 20 71
AMERICAN ELECTRIC POWER CO. Equities 025537101   426,281 4,951 SH   SOLE   4,921 30 0
AMERICAN EXPRESS CO Equities 025816109   2,739,794 12,033 SH   SOLE   11,938 45 50
AMERICAN WATER WORKS Equities 030420103   478,086 3,912 SH   SOLE   3,912 0 0
ANALOG DEVICES Equities 032654105   2,805,849 14,186 SH   SOLE   14,146 40 0
APPLE COMPUTER INC Equities 037833100   7,603,080 44,338 SH   SOLE   44,065 55 218
APPLIED INDUSTRIAL Equities 03820C105   395,100 2,000 SH   SOLE   2,000 0 0
ASML HOLDING NV Equities N07059210   1,118,952 1,153 SH   SOLE   1,136 5 12
BANK OF AMERICA CORP. Equities 060505104   806,558 21,270 SH   SOLE   21,270 0 0
BECTON DICKINSON AND CO Equities 075887109   784,417 3,170 SH   SOLE   3,170 0 0
BLACKROCK INC Equities 09247X101   316,806 380 SH   SOLE   372 0 8
BRISTOL-MYERS SQUIBB Equities 110122108   344,903 6,360 SH   SOLE   6,360 0 0
CAPITAL ONE FINANCIAL Equities 14040H105   374,905 2,518 SH   SOLE   2,500 0 18
CENCORA INC Equities 03073E105   647,568 2,665 SH   SOLE   2,665 0 0
CHARLES SCHWAB CO Equities 808513105   590,511 8,163 SH   SOLE   8,038 40 85
CHEVRON CORPORATION Equities 166764100   6,310 40 SH   DFND   40 0 0
CHEVRON CORPORATION Equities 166764100   2,846,418 18,045 SH   SOLE   17,985 45 15
COCA COLA CO Equities 191216100   267,663 4,375 SH   SOLE   4,375 0 0
COMCAST CORP CL A Equities 20030N101   1,121,855 25,879 SH   SOLE   25,735 0 144
CONOCOPHILLIPS Equities 20825C104   714,804 5,616 SH   SOLE   5,565 25 26
COSTCO WHOLESALE Equities 22160K105   5,380,435 7,344 SH   SOLE   7,307 10 27
CUMMINS Equities 231021106   2,056,068 6,978 SH   SOLE   6,968 10 0
CVS HEALTH CORP Equities 126650100   276,528 3,467 SH   SOLE   3,367 0 100
DANAHER CORP Equities 235851102   1,887,883 7,560 SH   SOLE   7,515 25 20
DEERE & CO Equities 244199105   209,477 510 SH   SOLE   510 0 0
DOLLAR GENERAL CORP Equities 256677105   1,045,290 6,698 SH   SOLE   6,627 30 41
EATON VANCE TAX/MANAGED GLOBAL Equities 27829F108   173,743 21,292 SH   SOLE   21,292 0 0
EDISON INTL Equities 281020107   335,968 4,750 SH   SOLE   4,750 0 0
ELECTRONIC ARTS INC. Equities 285512109   609,221 4,592 SH   SOLE   4,592 0 0
ELI LILLY & CO. Equities 532457108   427,878 550 SH   SOLE   550 0 0
EMERSON ELEC CO Equities 291011104   348,199 3,070 SH   SOLE   2,970 0 100
ENERGY SELECT SECTOR SPDR Equities 81369Y506   676,542 7,166 SH   SOLE   7,066 0 100
ENTERGY CORP Equities 29364G103   337,225 3,191 SH   SOLE   3,166 25 0
EOG RESOURCES INC Equities 26875P101   665,152 5,203 SH   SOLE   5,163 40 0
EVEREST RE GROUP LTD Equities G3223R108   677,738 1,705 SH   SOLE   1,680 0 25
EXXON MOBIL CORP. Equities 30231G102   1,144,267 9,844 SH   SOLE   9,780 0 64
FIRSTENERGY CORP Equities 337932107   323,829 8,385 SH   SOLE   8,385 0 0
FISERV INC Equities 337738108   670,765 4,197 SH   SOLE   4,197 0 0
GENERAL DYNAMICS Equities 369550108   1,401,150 4,960 SH   SOLE   4,930 30 0
GENERAL MILLS INC Equities 370334104   228,522 3,266 SH   SOLE   3,266 0 0
GOLDMAN SACHS GROUP INC. Equities 38141G104   997,026 2,387 SH   SOLE   2,370 5 12
HOME DEPOT Equities 437076102   4,122,933 10,748 SH   SOLE   10,685 20 43
HONEYWELL INTERNATIONAL INC. Equities 438516106   207,303 1,010 SH   SOLE   1,010 0 0
INTERCONTINENTAL EXCHANGE Equities 45866F104   587,651 4,276 SH   SOLE   4,276 0 0
INTERNATIONAL BUSINESS MACHINES Equities 459200101   643,153 3,368 SH   SOLE   3,358 0 10
INTUIT INC Equities 461202103   217,750 335 SH   SOLE   310 0 25
ISHARES: COHEN & STEERS REIT Equities 464287564   10,732 186 SH   DFND   156 0 30
ISHARES: COHEN & STEERS REIT Equities 464287564   2,520,278 43,679 SH   SOLE   43,623 0 56
ISHARES: Core MSCI Emerging Mar Equities 46434G103   28,896 560 SH   DFND   420 0 140
ISHARES: Core MSCI Emerging Mar Equities 46434G103   8,281,697 160,498 SH   SOLE   160,051 250 197
ISHARES: MSCI EAFE INDEX FUND Equities 464287465   696,219 8,718 SH   SOLE   8,718 0 0
ISHARES: MSCI EAFE SMALL CAP Equities 464288273   18,999 300 SH   DFND   225 0 75
ISHARES: MSCI EAFE SMALL CAP Equities 464288273   6,026,799 95,165 SH   SOLE   94,933 125 107
ISHARES: RUSSELL 1000 GROWTH Equities 464287614   380,867 1,130 SH   SOLE   1,130 0 0
ISHARES: S&P 500 GROWTH INDEX Equities 464287309   1,010,662 11,969 SH   SOLE   11,969 0 0
ISHARES: S&P 500 INDEX Equities 464287200   372,217 708 SH   DFND   520 0 188
ISHARES: S&P 500 INDEX Equities 464287200   45,551,876 86,645 SH   SOLE   86,394 0 251
ISHARES: S&P 500 VALUE INDEX Equities 464287408   54,175 290 SH   DFND   215 0 75
ISHARES: S&P 500 VALUE INDEX Equities 464287408   11,227,841 60,103 SH   SOLE   60,005 0 98
ISHARES: S&P CA MUNI BOND FUND Equities 464288356   4,973,470 86,435 SH   SOLE   86,435 0 0
ISHARES: S&P MID CAP VALUE INDE Equities 464287705   19,518 165 SH   DFND   120 0 45
ISHARES: S&P MID CAP VALUE INDE Equities 464287705   4,300,906 36,359 SH   SOLE   36,272 30 57
ISHARES: S&P MIDCAP 400 INDEX Equities 464287507   112,369 1,850 SH   DFND   1,425 0 425
ISHARES: S&P MIDCAP 400 INDEX Equities 464287507   45,341,742 746,489 SH   SOLE   745,294 625 570
ISHARES: S&P MIDCAP GROWTH Equities 464287606   1,881,575 20,620 SH   SOLE   20,420 200 0
ISHARES: S&P SMALLCAP 600 INDEX Equities 464287804   38,129 345 SH   DFND   270 0 75
ISHARES: S&P SMALLCAP 600 INDEX Equities 464287804   20,676,524 187,084 SH   SOLE   186,503 185 396
ISHARES: US PFD STOCK INDEX Equities 464288687   26,525 823 SH   DFND   733 0 90
ISHARES: US PFD STOCK INDEX Equities 464288687   3,926,323 121,822 SH   SOLE   120,984 80 758
JOHNSON & JOHNSON Equities 478160104   6,328 40 SH   DFND   40 0 0
JOHNSON & JOHNSON Equities 478160104   675,788 4,272 SH   SOLE   4,272 0 0
JP MORGAN CHASE & CO. Equities 46625H100   4,876,304 24,345 SH   SOLE   24,215 50 80
KINDER MORGAN INC Equities 49456B101   599,700 32,699 SH   SOLE   32,449 250 0
KLA CORP Equities 482480100   3,528,477 5,051 SH   SOLE   5,016 15 20
LAM RESEARCH CORP Equities 512807108   2,274,445 2,341 SH   SOLE   2,321 10 10
LOWES COMPANIES INC. Equities 548661107   560,406 2,200 SH   SOLE   2,200 0 0
MCDONALDS CORP Equities 580135101   246,142 873 SH   SOLE   873 0 0
MCKESSON HBOC INC. Equities 58155Q103   1,215,965 2,265 SH   SOLE   2,215 0 50
MEDTRONIC PLC Equities G5960L103   628,787 7,215 SH   SOLE   7,140 75 0
MERCK Equities 58933Y105   473,964 3,592 SH   SOLE   3,550 0 42
META PLATFORMS INC Equities 30303M102   2,314,760 4,767 SH   SOLE   4,740 22 5
MICRON TECHNOLOGY INC Equities 595112103   2,313,002 19,620 SH   SOLE   19,530 90 0
MICROSOFT CORP. Equities 594918104   7,607,038 18,081 SH   SOLE   17,941 30 110
MORGAN STANLEY Equities 617446448   606,202 6,438 SH   SOLE   6,352 0 86
MORNINGSTAR INC Equities 617700109   428,326 1,389 SH   SOLE   1,389 0 0
NETFLIX INC COM Equities 64110L106   550,848 907 SH   SOLE   893 0 14
NEXTERA ENERGY, INC. Equities 65339F101   858,759 13,437 SH   SOLE   13,367 0 70
NIKE INC. Equities 654106103   398,475 4,240 SH   SOLE   4,240 0 0
NORTHROP GRUMMAN Equities 666807102   681,612 1,424 SH   SOLE   1,424 0 0
NOVO NORDISK A-S Equities 670100205   505,896 3,940 SH   SOLE   3,797 0 143
ORACLE CORP Equities 68389X105   1,344,027 10,700 SH   SOLE   10,609 35 56
PALO ALTO NETWORKS INC Equities 697435105   304,587 1,072 SH   SOLE   1,062 0 10
PARKER HANNIFIN CORP Equities 701094104   4,204,551 7,565 SH   SOLE   7,550 15 0
PEPSICO INC Equities 713448108   464,827 2,656 SH   SOLE   2,656 0 0
PNC FINANCIAL SERVICES GROUP Equities 693475105   602,606 3,729 SH   SOLE   3,695 20 14
PPG IND INC Equities 693506107   794,197 5,481 SH   SOLE   5,481 0 0
PROCTER & GAMBLE COMPANY Equities 742718109   279,719 1,724 SH   SOLE   1,724 0 0
PROGRESSIVE CORP Equities 743315103   2,121,766 10,259 SH   SOLE   10,209 50 0
QUALCOMM INC. Equities 747525103   2,041,758 12,060 SH   SOLE   11,980 60 20
S&P GLOBAL Equities 78409V104   368,014 865 SH   SOLE   865 0 0
SALESFORCE.COM Equities 79466L302   274,977 913 SH   SOLE   876 0 37
SEMPRA ENERGY INC. Equities 816851109   235,459 3,278 SH   SOLE   3,278 0 0
SKYWORKS SOLUTIONS INC Equities 83088M102   986,145 9,104 SH   SOLE   9,069 0 35
SOUTHERN CO Equities 842587107   204,100 2,845 SH   SOLE   2,845 0 0
SPDR BARCLAY'S CONVERTIBLE Equities 78464A359   343,288 4,700 SH   SOLE   4,700 0 0
SPDR S&P MIDCAP 400 ETF Equities 78467Y107   808,449 1,453 SH   SOLE   1,453 0 0
STANDARD & POORS DEP. RECEIPTS Equities 78462F103   815,989 1,560 SH   SOLE   1,560 0 0
STRYKER CORP Equities 863667101   2,354,785 6,580 SH   SOLE   6,535 25 20
TAIWAN SEMICONDUCTOR ADR Equities 874039100   409,374 3,009 SH   SOLE   2,945 0 64
THERMO FISHER SCIENTIFIC CORP Equities 883556102   222,022 382 SH   SOLE   377 0 5
TMOBILE US Equities 872590104   538,626 3,300 SH   SOLE   3,247 40 13
TRAVELERS COMPANIES INC Equities 89417E109   766,826 3,332 SH   SOLE   3,332 0 0
U.S. BANCORP Equities 902973304   427,913 9,573 SH   SOLE   9,463 60 50
UNION PAC CORP Equities 907818108   344,302 1,400 SH   SOLE   1,389 0 11
UNITED HEALTH GROUP Equities 91324P102   1,521,697 3,076 SH   SOLE   3,053 17 6
VANGUARD INDEX FDS GROWTH ETF Equities 922908736   304,617 885 SH   SOLE   885 0 0
VANGUARD INTERM-TERM BOND ETF Equities 921937819   174,551 2,315 SH   DFND   2,020 0 295
VANGUARD INTERM-TERM BOND ETF Equities 921937819   26,426,795 350,488 SH   SOLE   349,237 275 976
VANGUARD TOTAL STOCK MARKET FUN Equities 922908769   810,108 3,117 SH   SOLE   3,117 0 0
VERIZON COMMUNICATIONS Equities 92343V104   319,441 7,613 SH   SOLE   7,613 0 0
VISA INC Equities 92826C839   3,827,303 13,714 SH   SOLE   13,621 35 58
WAL MART STORES, INC Equities 931142103   2,372,022 39,422 SH   SOLE   39,137 60 225
WALT DISNEY COMPANY Equities 254687106   1,193,744 9,756 SH   SOLE   9,671 45 40
WASTE MANAGEMENT INC. Equities 94106L109   393,688 1,847 SH   SOLE   1,847 0 0
WATERS CORP. Equities 941848103   1,268,143 3,684 SH   SOLE   3,674 10 0
WEC ENERGY GROUP INC Equities 92939U106   244,882 2,982 SH   SOLE   2,982 0 0
WELLS FARGO & CO. Equities 949746101   2,530,012 43,651 SH   SOLE   43,651 0 0
WILLIAMS-SONOMA INC Equities 969904101   2,705,673 8,521 SH   SOLE   8,469 25 27