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 Corp. COM 001957505 1,612 46,840 SH   SOLE   44,840 0 2,000
AT&T Corp. COM 001957505 93 2,700 SH   OTR   0 0 2,700
AbbVie Inc. COM 00287Y109 1,884 31,800 SH   SOLE   30,600 0 1,200
AbbVie Inc. COM 00287Y109 492 8,300 SH   OTR   0 0 8,300
Abbott Laboratories COM 002824100 1,298 28,900 SH   SOLE   28,000 0 900
Abbott Laboratories COM 002824100 373 8,300 SH   OTR   0 0 8,300
Agilent Technologies COM 00846U101 932 22,300 SH   SOLE   22,300 0 0
Apple Computer COM 037833100 1,551 14,735 SH   SOLE   14,735 0 0
Applied Materials Inc. COM 038222105 1,176 63,000 SH   SOLE   63,000 0 0
Bristol Myers Co. COM 110122108 4,129 60,020 SH   SOLE   58,020 0 2,000
Canon Inc. COM 138006309 1,256 41,700 SH   SOLE   40,200 0 1,500
Cisco Systems COM 17275R102 2,401 88,400 SH   SOLE   84,500 0 3,900
Cisco Systems COM 17275R102 41 1,500 SH   OTR   0 0 1,500
Coca Cola Co. COM 191216100 1,581 36,800 SH   SOLE   33,800 0 3,000
Coca Cola Co. COM 191216100 34 800 SH   OTR   0 0 800
Corning Inc. COM 219350105 1,170 64,000 SH   SOLE   62,000 0 2,000
E. I. duPont de Nemours & Co. COM 263534109 4,394 65,970 SH   SOLE   64,170 0 1,800
EMC Corp. COM 268648102 1,656 64,500 SH   SOLE   61,000 0 3,500
EMC Corp. COM 268648102 39 1,500 SH   OTR   0 0 1,500
Embraer-Empresa Brasileira COM 29081M102 207 7,000 SH   SOLE   7,000 0 0
Emerson Electric Co. COM 291011104 2,301 48,100 SH   SOLE   46,600 0 1,500
Emerson Electric Co. COM 291011104 72 1,500 SH   OTR   0 0 1,500
Exxon Mobil COM 30231G102 797 10,228 SH   SOLE   10,228 0 0
Exxon Mobil COM 30231G102 1,058 13,571 SH   OTR   0 0 13,571
General Electric Co. COM 369604103 4,838 155,300 SH   SOLE   151,800 0 3,500
General Electric Co. COM 369604103 619 19,878 SH   OTR   0 0 19,878
GlaxoSmithKline COM 37733W105 1,069 26,500 SH   SOLE   26,500 0 0
HP Inc. COM 40434L105 794 67,100 SH   SOLE   64,100 0 3,000
Hewlett Packard Enterprise Co. COM 42824C109 1,020 67,100 SH   SOLE   64,100 0 3,000
IBM COM 459200101 2,656 19,300 SH   SOLE   18,300 0 1,000
IBM COM 459200101 146 1,064 SH   OTR   0 0 1,064
ING Groep NV COM 456837103 1,319 98,000 SH   SOLE   98,000 0 0
Intel Corp. COM 458140100 3,228 93,710 SH   SOLE   88,710 0 5,000
Intel Corp. COM 458140100 102 2,950 SH   OTR   0 0 2,950
John Wiley & Sons Inc. A COM 968223206 901 20,000 SH   SOLE   20,000 0 0
Johnson & Johnson COM 478160104 4,530 44,100 SH   SOLE   42,100 0 2,000
Johnson & Johnson COM 478160104 35 338 SH   OTR   0 0 338
Keysight Technologies Inc. COM 49338L103 303 10,700 SH   SOLE   10,700 0 0
Koninklijke Philips NV COM 500472303 1,304 51,221 SH   SOLE   50,221 0 1,000
Koninklijke Philips NV COM 500472303 23 899 SH   OTR   0 0 899
Marsh & McLennan Companies Inc COM 571748102 1,708 30,800 SH   SOLE   29,300 0 1,500
Masco Corp. COM 574599106 1,834 64,800 SH   SOLE   64,800 0 0
Merck & Co., Inc. COM 58933Y105 2,636 49,900 SH   SOLE   47,900 0 2,000
Merck & Co., Inc. COM 58933Y105 158 3,000 SH   OTR   0 0 3,000
Microsoft Corp. COM 594918104 3,351 60,400 SH   SOLE   58,400 0 2,000
Microsoft Corp. COM 594918104 178 3,200 SH   OTR   0 0 3,200
Northern Trust Corporation COM 665859104 1,060 14,700 SH   SOLE   14,700 0 0
Nucor Corp. COM 670346105 1,942 48,200 SH   SOLE   46,200 0 2,000
Nucor Corp. COM 670346105 66 1,650 SH   OTR   0 0 1,650
Pfizer, Inc. COM 717081103 2,508 77,698 SH   SOLE   75,198 0 2,500
Pfizer, Inc. COM 717081103 191 5,910 SH   OTR   0 0 5,910
Procter & Gamble Company COM 742718109 1,429 18,000 SH   SOLE   18,000 0 0
Procter & Gamble Company COM 742718109 32 400 SH   OTR   0 0 400
Progressive Corp.-Ohio COM 743315103 2,101 66,072 SH   SOLE   66,072 0 0
Progressive Corp.-Ohio COM 743315103 17,634 554,536 SH   OTR   554,536 0 0
Staples Inc. COM 855030102 1,212 128,000 SH   SOLE   124,000 0 4,000
Staples Inc. COM 855030102 24 2,500 SH   OTR   0 0 2,500
Stryker Corp. COM 863667101 6,543 70,400 SH   SOLE   68,000 0 2,400
Stryker Corp. COM 863667101 771 8,300 SH   OTR   0 0 8,300
Symantec Corp. COM 871503108 1,207 57,500 SH   SOLE   57,500 0 0
Thermo Fisher Scientific COM 883556102 1,773 12,500 SH   SOLE   12,000 0 500
Top Build Corp. COM 89055F103 221 7,197 SH   SOLE   7,197 0 0
Unilever PLC COM 904767704 3,266 75,740 SH   SOLE   71,240 0 4,500
Unilever PLC COM 904767704 116 2,700 SH   OTR   0 0 2,700
United Parcel Service, Inc. COM 911312106 1,612 16,750 SH   SOLE   16,250 0 500
United Parcel Service, Inc. COM 911312106 77 800 SH   OTR   0 0 800
Verizon Communications COM 92343V104 1,908 41,288 SH   SOLE   39,788 0 1,500
Verizon Communications COM 92343V104 90 1,951 SH   OTR   0 0 1,951
Vodafone Group ADR COM 92857T107 1,323 40,999 SH   SOLE   40,999 0 0
Vodafone Group ADR COM 92857T107 37 1,145 SH   OTR   0 0 1,145
ING Groep NV 6.2% SER PFD 456837400 226 8,850 SH   SOLE   8,850 0 0
Morgan Stanley Series J - 617474AA9 460 460,000 PRN   SOLE   460,000 0 0