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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AT&T Inc COM 00206R102 314 10,757 SH   SOLE   10,757 0 0
AbbVie Inc COM 00287Y109 238 3,130 SH   SOLE   3,130 0 0
Adobe Inc COM 00724F101 220 690 SH   SOLE   690 0 0
Alphabet Inc Class A COM 02079K305 3,366 2,897 SH   DFND   2,854 0 43
Amazon Com Inc COM 023135106 205 105 SH   SOLE   105 0 0
Amgen Inc COM 031162100 7,106 35,052 SH   DFND   33,962 0 1,090
Apple Inc COM 037833100 274 1,078 SH   SOLE   1,078 0 0
Automatic Data Processing Inc COM 053015103 8,690 63,577 SH   DFND   62,457 0 1,120
Berkshire Hathaway Inc Class B COM 084670702 301 1,645 SH   SOLE   1,645 0 0
1/100 Berkshire Hathaway Cl A COM 084990175 336 100 SH   SOLE   100 0 0
Bristol-Myers Squibb Co COM 110122108 549 9,854 SH   SOLE   9,854 0 0
Capital One Finl Corp COM 14040H105 1,611 31,952 SH   DFND   31,727 0 225
Caterpillar Inc COM 149123101 636 5,484 SH   SOLE   5,484 0 0
Chevron Corp New COM 166764100 868 11,975 SH   DFND   11,475 0 500
Cisco Systems Inc COM 17275R102 244 6,208 SH   SOLE   6,208 0 0
Comcast Corp Class A COM 20030N101 272 7,908 SH   SOLE   7,908 0 0
DXC Technology COM 23355L106 142 10,879 SH   DFND   10,723 0 156
Dell Technologies Inc. Class C COM 24703L202 243 6,132 SH   DFND   5,939 0 193
Devon Energy Corp COM 25179M103 433 62,628 SH   DFND   59,903 0 2,725
The Walt Disney Company COM 254687106 4,942 51,159 SH   DFND   50,374 0 785
Ecolab Inc COM 278865100 5,942 38,133 SH   DFND   36,988 0 1,145
Emerson Electric Company COM 291011104 2,387 50,088 SH   DFND   48,603 0 1,485
Exxon Mobil Corp COM 30231G102 1,276 33,603 SH   SOLE   33,603 0 0
General Electric Co COM 369604103 797 100,395 SH   SOLE   100,395 0 0
Gilead Sciences Inc COM 375558103 2,892 38,682 SH   DFND   37,752 0 930
HP Inc COM 40434L105 2,702 155,670 SH   DFND   151,615 0 4,055
Hewlett Packard Enterprise Co COM 42824C109 1,538 158,367 SH   DFND   154,312 0 4,055
Home Depot Inc COM 437076102 217 1,164 SH   SOLE   1,164 0 0
Honeywell International Inc COM 438516106 302 2,256 SH   SOLE   2,256 0 0
Intel Corp COM 458140100 691 12,777 SH   SOLE   12,777 0 0
Intl Business Machines COM 459200101 3,318 29,910 SH   DFND   29,370 0 540
Intuit Inc COM 461202103 365 1,586 SH   SOLE   1,586 0 0
iShares S&P 500 Index FUND 464287200 312 1,205 SH   SOLE   1,205 0 0
iShares Russell 1000 Grw ETF FUND 464287614 215 1,426 SH   SOLE   1,426 0 0
JP Morgan Chase& Co COM 46625H100 3,591 39,883 SH   DFND   39,123 0 760
Johnson& Johnson COM 478160104 5,719 43,614 SH   DFND   42,794 0 820
Marriott Intl. Inc. CL A COM 571903202 314 4,200 SH   SOLE   4,200 0 0
McDonalds Corp COM 580135101 430 2,600 SH   SOLE   2,600 0 0
Merck& Company Inc COM 58933Y105 561 7,290 SH   SOLE   7,290 0 0
Micro Focus International PLC COM 594837403 68 13,407 SH   DFND   13,138 0 269
Microsoft Corp COM 594918104 16,413 104,068 SH   DFND   101,228 0 2,840
Nutrien Ltd. COM 67077M108 400 11,790 SH   DFND   11,444 0 346
Omnicom Group COM 681919106 2,433 44,324 SH   DFND   43,499 0 825
PPG Industries COM 693506107 248 2,972 SH   SOLE   2,972 0 0
PepsiCo, Inc. COM 713448108 4,988 41,530 SH   DFND   40,780 0 750
Pfizer Inc COM 717081103 1,893 57,996 SH   DFND   56,301 0 1,695
Procter& Gamble Company COM 742718109 5,931 53,916 SH   DFND   53,186 0 730
Qualcomm Inc COM 747525103 834 12,327 SH   SOLE   12,327 0 0
Raytheon Co COM 755111507 845 6,443 SH   SOLE   6,443 0 0
SVB Financial Group COM 78486Q101 2,829 18,727 SH   DFND   17,892 0 835
Schlumberger Limited COM 806857108 1,074 79,641 SH   DFND   78,126 0 1,515
Schwab S&P 500 Index Fund FUND 808509855 336 8,471 SH   SOLE   8,471 0 0
Stericycle Inc. COM 858912108 1,121 23,073 SH   DFND   22,323 0 750
Texas Instruments Incorporated COM 882508104 989 9,900 SH   SOLE   9,900 0 0
Union Pacific Corp COM 907818108 469 3,327 SH   SOLE   3,327 0 0
United Health Group Inc COM 91324P102 248 995 SH   SOLE   995 0 0
Vanguard Emerging Market ETF FUND 922042858 2,576 76,787 SH   DFND   72,967 0 3,820
Vanguard Consumer Staples Index Fund ETF 92204A207 299 2,168 SH   SOLE   2,168 0 0
Vanguard S&P 500 ETF FUND 922908363 9,716 41,027 SH   DFND   39,842 0 1,185
Vanguard Total Stk Mkt Index FUND 922908728 1,242 19,797 SH   SOLE   19,797 0 0
Vanguard Total Stock Market FUND 922908769 1,921 14,899 SH   SOLE   14,899 0 0
Verizon Communications COM 92343V104 1,272 23,681 SH   DFND   23,373 0 308
Vodafone Group Plc COM 92857W308 511 37,125 SH   DFND   36,484 0 641
Wal-Mart Inc COM 931142103 227 2,000 SH   SOLE   2,000 0 0
Walgreen Boots Alliance Inc COM 931427108 2,344 51,233 SH   DFND   50,058 0 1,175
Welbilt, Inc. COM 949090104 226 44,043 SH   DFND   43,273 0 770
Wells Fargo& Co COM 949746101 317 11,050 SH   DFND   9,050 0 2,000
China Water Affairs Group Ltd COM G21090124 12 16,000 SH   SOLE   16,000 0 0
China Molybdenum Company COM Y1503Z105 13 45,000 SH   SOLE   45,000 0 0
Holcim Philippines COM Y3232G101 10 40,000 SH   SOLE   40,000 0 0