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 342 11,307 SH   SOLE   11,307 0 0
Abbott Laboratories COM 002824100 459 3,827 SH   SOLE   3,827 0 0
AbbVie Inc COM 00287Y109 3,363 31,080 SH   DFND   30,700 0 380
Adobe Inc COM 00724F101 376 790 SH   SOLE   790 0 0
Allstate Corporation COM 020002101 205 1,780 SH   SOLE   1,780 0 0
Alphabet Inc Class A COM 02079K305 6,177 2,995 SH   DFND   2,952 0 43
Amazon Com Inc COM 023135106 396 128 SH   SOLE   128 0 0
American Express Co COM 025816109 1,003 7,090 SH   SOLE   7,090 0 0
Ameriprise Finl Inc. COM 03076C106 232 1,000 SH   SOLE   1,000 0 0
Amgen Inc COM 031162100 8,446 33,947 SH   DFND   33,357 0 590
Apple Inc COM 037833100 532 4,352 SH   SOLE   4,352 0 0
Automatic Data Processing Inc COM 053015103 11,241 59,646 SH   DFND   58,526 0 1,120
Bank of America Corp COM 060505104 380 9,824 SH   SOLE   9,824 0 0
Bank of New York Mellon Corp COM 064058100 236 5,000 SH   SOLE   5,000 0 0
Baxter International Inc COM 071813109 304 3,600 SH   SOLE   3,600 0 0
Berkshire Hathaway Inc Class B COM 084670702 800 3,133 SH   SOLE   3,133 0 0
1/100 Berkshire Hathaway Cl A COM 084990175 386 100 SH   SOLE   100 0 0
Bio-Techne Corp COM 09073M104 382 1,000 SH   SOLE   1,000 0 0
Bristol-Myers Squibb Co COM 110122108 1,143 18,104 SH   SOLE   18,104 0 0
Candence Design System COM 127387108 274 2,000 SH   SOLE   2,000 0 0
Capital One Finl Corp COM 14040H105 3,930 30,892 SH   DFND   30,667 0 225
Caterpillar Inc COM 149123101 1,272 5,484 SH   SOLE   5,484 0 0
Chevron Corp New COM 166764100 1,179 11,250 SH   SOLE   11,250 0 0
Coca-Cola Company COM 191216100 217 4,125 SH   SOLE   4,125 0 0
Comcast Corp Class A COM 20030N101 407 7,514 SH   SOLE   7,514 0 0
Costco Wholesale Corp COM 22160K105 229 650 SH   SOLE   650 0 0
Danaher Corp. COM 235851102 243 1,080 SH   SOLE   1,080 0 0
The Walt Disney Company COM 254687106 8,772 47,539 SH   DFND   46,754 0 785
Ecolab Inc COM 278865100 7,782 36,353 SH   DFND   35,648 0 705
Edwards Lifesciences Corporati COM 28176E108 569 6,808 SH   SOLE   6,808 0 0
Emerson Electric Company COM 291011104 4,293 47,588 SH   DFND   46,673 0 915
Exxon Mobil Corp COM 30231G102 2,149 38,484 SH   SOLE   38,484 0 0
Fedex Corporation COM 31428X106 388 1,365 SH   SOLE   1,365 0 0
General Electric Co COM 369604103 1,075 81,845 SH   SOLE   81,845 0 0
Gilead Sciences Inc COM 375558103 2,390 36,972 SH   DFND   36,342 0 630
HP Inc COM 40434L105 4,713 148,445 SH   DFND   145,865 0 2,580
Hewlett Packard Enterprise Co COM 42824C109 2,357 149,752 SH   DFND   147,172 0 2,580
Home Depot Inc COM 437076102 355 1,164 SH   SOLE   1,164 0 0
Illinois Tool Works Inc COM 452308109 241 1,090 SH   SOLE   1,090 0 0
Intel Corp COM 458140100 804 12,557 SH   SOLE   12,557 0 0
IntercontinentalExchange Inc COM 45865V100 335 3,000 SH   SOLE   3,000 0 0
Intl Business Machines COM 459200101 4,101 30,775 SH   DFND   30,235 0 540
Intuit Inc COM 461202103 608 1,586 SH   SOLE   1,586 0 0
Invesco S&P 500 Low Volatility FUND 46138E354 257 4,427 SH   SOLE   4,427 0 0
iShares S&P 500 Index FUND 464287200 893 2,245 SH   SOLE   2,245 0 0
iShares MSCI Emerging Mkt Fund FUND 464287234 202 3,780 SH   SOLE   3,780 0 0
iShares Russell 1000 Grw ETF FUND 464287614 347 1,426 SH   SOLE   1,426 0 0
JP Morgan Chase& Co COM 46625H100 6,436 42,278 SH   DFND   41,518 0 760
Johnson& Johnson COM 478160104 7,571 46,067 SH   DFND   45,247 0 820
Kimberly-Clark Corp COM 494368103 375 2,700 SH   SOLE   2,700 0 0
Lilly Eli& Company COM 532457108 1,009 5,400 SH   SOLE   5,400 0 0
Lowes Cos Inc. COM 548661107 312 1,640 SH   SOLE   1,640 0 0
Marriott Intl. Inc. CL A COM 571903202 622 4,200 SH   SOLE   4,200 0 0
Mastercard Inc Class A COM 57636Q104 712 2,000 SH   SOLE   2,000 0 0
McDonalds Corp COM 580135101 583 2,600 SH   SOLE   2,600 0 0
Merck& Company Inc COM 58933Y105 562 7,290 SH   SOLE   7,290 0 0
Microsoft Corp COM 594918104 18,596 78,872 SH   DFND   77,621 0 1,251
Moody's Corp COM 615369105 1,194 4,000 SH   SOLE   4,000 0 0
NextEra Energy Inc COM 65339F101 236 3,120 SH   SOLE   3,120 0 0
Nike Inc Cl B COM 654106103 239 1,800 SH   SOLE   1,800 0 0
Nutrien Ltd. COM 67077M108 533 9,895 SH   DFND   9,709 0 186
Omnicom Group COM 681919106 2,990 40,324 SH   DFND   39,499 0 825
PNC Bk Corp COM 693475105 220 1,252 SH   SOLE   1,252 0 0
PPG Industries COM 693506107 417 2,774 SH   SOLE   2,774 0 0
PayPal Holdings Inc COM 70450Y103 510 2,100 SH   SOLE   2,100 0 0
PepsiCo, Inc. COM 713448108 5,709 40,360 SH   DFND   39,610 0 750
Pfizer Inc COM 717081103 2,251 62,133 SH   DFND   60,438 0 1,695
Procter& Gamble Company COM 742718109 7,221 53,316 SH   DFND   52,586 0 730
Qualcomm Inc COM 747525103 1,634 12,327 SH   SOLE   12,327 0 0
Raytheon Technologies Corp COM 75513E101 1,239 16,038 SH   SOLE   16,038 0 0
SPDR S&P MidCap 400 ETF FUND 78467Y107 205 430 SH   SOLE   430 0 0
SVB Financial Group COM 78486Q101 8,444 17,104 SH   DFND   16,834 0 270
Salesforce.com Inc. COM 79466L302 3,206 15,132 SH   DFND   14,897 0 235
Schlumberger Limited COM 806857108 1,981 72,856 SH   DFND   71,891 0 965
Charles Schwab Corp COM 808513105 274 4,200 SH   SOLE   4,200 0 0
Schwab U.S. Large-Cap ETF FUND 808524201 766 7,980 SH   SOLE   7,980 0 0
Energy Select Sector SPDR Fund FUND 81369Y506 2,668 54,390 SH   DFND   53,660 0 730
Stericycle Inc. COM 858912108 1,447 21,438 SH   DFND   20,998 0 440
Target Corp. COM 87612E106 367 1,855 SH   SOLE   1,855 0 0
Texas Instruments Incorporated COM 882508104 2,041 10,800 SH   SOLE   10,800 0 0
Thermo Fisher Scientific Inc COM 883556102 317 695 SH   SOLE   695 0 0
3M CO COM 88579Y101 504 2,618 SH   SOLE   2,618 0 0
US Bancorp COM 902973304 213 3,859 SH   SOLE   3,859 0 0
Union Pacific Corp COM 907818108 673 3,052 SH   SOLE   3,052 0 0
United Health Group Inc COM 91324P102 352 945 SH   SOLE   945 0 0
Vanguard Div Appreciation Inde FUND 921908844 244 1,657 SH   SOLE   1,657 0 0
Vanguard High Div Yield Index FUND 921946406 256 2,530 SH   SOLE   2,530 0 0
Vanguard Emerging Market ETF FUND 922042858 3,907 75,067 SH   DFND   73,897 0 1,170
Vanguard Consumer Staples Index Fund ETF 92204A207 387 2,168 SH   SOLE   2,168 0 0
Vanguard Information Tech ETF FUND 92204A702 216 603 SH   SOLE   603 0 0
Vanguard S&P 500 ETF FUND 922908363 15,095 41,435 SH   DFND   40,250 0 1,185
Vanguard Total Stock Market FUND 922908769 3,812 18,443 SH   SOLE   18,443 0 0
Verizon Communications COM 92343V104 1,522 26,167 SH   DFND   25,859 0 308
Wal-Mart Inc COM 931142103 272 2,000 SH   SOLE   2,000 0 0
Wells Fargo& Co COM 949746101 267 6,825 SH   SOLE   6,825 0 0
Wintrust Financial Corporation COM 97650W108 218 2,870 SH   SOLE   2,870 0 0
Zebra Technologies Corp COM 989207105 485 1,000 SH   SOLE   1,000 0 0