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   2,204,275 20,219 SH   SOLE   20,159 60 0
ABBVIE INC. Equities 00287Y109   1,206,372 8,954 SH   SOLE   8,904 50 0
ACCENTURE PLC Equities G1151C101   1,447,240 4,690 SH   SOLE   4,690 0 0
ADOBE SYSTEMS, INC. Equities 00724F101   2,642,991 5,405 SH   SOLE   5,405 0 0
ADVANCED MICRO DEVICES INC Equities 007903107   222,694 1,955 SH   SOLE   1,955 0 0
AIR PRODUCTS AND CHEMICALS Equities 009158106   338,768 1,131 SH   SOLE   1,111 20 0
ALBEMARLE CORPORATION Equities 012653101   1,115,450 5,000 SH   SOLE   4,975 25 0
ALLSTATE CORP Equities 020002101   467,564 4,288 SH   SOLE   4,288 0 0
ALPHABET INC CL A Equities 02079K305   4,074,109 34,036 SH   SOLE   33,976 60 0
ALPHABET INC CL C Equities 02079K107   568,438 4,699 SH   SOLE   4,699 0 0
AMAZON.COM INC Equities 023135106   1,671,867 12,825 SH   SOLE   12,825 0 0
AMERICAN EXPRESS CO Equities 025816109   2,781,277 15,966 SH   SOLE   15,921 45 0
AMERICAN WATER WORKS Equities 030420103   910,602 6,379 SH   SOLE   6,359 20 0
AMERISOURCEBERGEN Equities 03073E105   512,826 2,665 SH   SOLE   2,665 0 0
ANALOG DEVICES Equities 032654105   2,670,261 13,707 SH   SOLE   13,667 40 0
APPLE COMPUTER INC Equities 037833100   8,772,487 45,226 SH   SOLE   45,161 65 0
APPLIED INDUSTRIAL Equities 03820C105   289,660 2,000 SH   SOLE   2,000 0 0
BANK OF AMERICA CORP. Equities 060505104   610,236 21,270 SH   SOLE   21,270 0 0
BECTON DICKINSON AND CO Equities 075887109   1,035,183 3,921 SH   SOLE   3,921 0 0
BRISTOL-MYERS SQUIBB Equities 110122108   460,952 7,208 SH   SOLE   7,208 0 0
CHEVRON CORPORATION Equities 166764100   6,294 40 SH   DFND   40 0 0
CHEVRON CORPORATION Equities 166764100   2,641,592 16,788 SH   SOLE   16,743 45 0
COCA COLA CO Equities 191216100   258,103 4,286 SH   SOLE   4,286 0 0
COMCAST CORP CL A Equities 20030N101   1,837,881 44,233 SH   SOLE   44,233 0 0
CONOCOPHILLIPS Equities 20825C104   321,295 3,101 SH   SOLE   3,101 0 0
COSTCO WHOLESALE Equities 22160K105   4,379,183 8,134 SH   SOLE   8,119 15 0
CUMMINS Equities 231021106   1,562,405 6,373 SH   SOLE   6,373 0 0
CVS HEALTH CORP Equities 126650100   244,858 3,542 SH   SOLE   3,542 0 0
DANAHER CORP Equities 235851102   1,826,880 7,612 SH   SOLE   7,587 25 0
DEERE & CO Equities 244199105   263,374 650 SH   SOLE   650 0 0
DOLLAR GENERAL CORP Equities 256677105   814,604 4,798 SH   SOLE   4,798 0 0
EDISON INTL Equities 281020107   333,360 4,800 SH   SOLE   4,800 0 0
ELECTRONIC ARTS INC. Equities 285512109   710,367 5,477 SH   SOLE   5,477 0 0
ELI LILLY & CO. Equities 532457108   257,939 550 SH   SOLE   550 0 0
EMERSON ELEC CO Equities 291011104   285,632 3,160 SH   SOLE   3,160 0 0
ENERGY SELECT SECTOR SPDR Equities 81369Y506   909,185 11,201 SH   SOLE   11,201 0 0
EOG RESOURCES INC Equities 26875P101   465,542 4,068 SH   SOLE   4,008 60 0
EVEREST RE GROUP LTD Equities G3223R108   670,387 1,961 SH   SOLE   1,961 0 0
EXXON MOBIL CORP. Equities 30231G102   883,311 8,236 SH   SOLE   8,236 0 0
FIRSTENERGY CORP Equities 337932107   351,592 9,043 SH   SOLE   9,043 0 0
FISERV INC Equities 337738108   687,770 5,452 SH   SOLE   5,452 0 0
GENERAL DYNAMICS Equities 369550108   953,545 4,432 SH   SOLE   4,402 30 0
GENERAL MILLS INC Equities 370334104   283,483 3,696 SH   SOLE   3,696 0 0
HOME DEPOT Equities 437076102   3,432,572 11,050 SH   SOLE   11,030 20 0
HONEYWELL INTERNATIONAL INC. Equities 438516106   314,570 1,516 SH   SOLE   1,516 0 0
INTERCONTINENTAL EXCHANGE Equities 45866F104   1,142,673 10,105 SH   SOLE   10,105 0 0
INTERNATIONAL BUSINESS MACHINES Equities 459200101   310,439 2,320 SH   SOLE   2,320 0 0
INTUITIVE SURGICAL INC Equities 46120E602   235,939 690 SH   SOLE   690 0 0
ISHARES MSCI EM MKTS Equities 464287234   254,529 6,434 SH   SOLE   6,434 0 0
ISHARES: COHEN & STEERS REIT Equities 464287564   8,669 156 SH   DFND   126 0 30
ISHARES: COHEN & STEERS REIT Equities 464287564   3,215,225 57,859 SH   SOLE   57,798 0 61
ISHARES: Core MSCI Emerging Mar Equities 46434G103   26,124 530 SH   DFND   390 0 140
ISHARES: Core MSCI Emerging Mar Equities 46434G103   7,683,325 155,880 SH   SOLE   155,438 250 192
ISHARES: MSCI EAFE INDEX FUND Equities 464287465   3,240,315 44,694 SH   SOLE   44,577 0 117
ISHARES: MSCI EAFE SMALL CAP Equities 464288273   17,694 300 SH   DFND   225 0 75
ISHARES: MSCI EAFE SMALL CAP Equities 464288273   5,984,406 101,465 SH   SOLE   101,233 125 107
ISHARES: RUSSELL 1000 GROWTH Equities 464287614   341,223 1,240 SH   SOLE   1,240 0 0
ISHARES: S&P 500 GROWTH INDEX Equities 464287309   1,213,807 17,222 SH   SOLE   17,222 0 0
ISHARES: S&P 500 INDEX Equities 464287200   313,334 703 SH   DFND   515 0 188
ISHARES: S&P 500 INDEX Equities 464287200   41,805,369 93,795 SH   SOLE   93,538 0 257
ISHARES: S&P 500 VALUE INDEX Equities 464287408   51,581 320 SH   DFND   245 0 75
ISHARES: S&P 500 VALUE INDEX Equities 464287408   10,538,280 65,378 SH   SOLE   65,277 0 101
ISHARES: S&P CA MUNI BOND FUND Equities 464288356   3,440,350 60,410 SH   SOLE   60,410 0 0
ISHARES: S&P MID CAP VALUE INDE Equities 464287705   17,676 165 SH   DFND   120 0 45
ISHARES: S&P MID CAP VALUE INDE Equities 464287705   4,123,219 38,488 SH   SOLE   38,402 30 56
ISHARES: S&P MIDCAP 400 INDEX Equities 464287507   101,977 390 SH   DFND   305 0 85
ISHARES: S&P MIDCAP 400 INDEX Equities 464287507   42,938,415 164,213 SH   SOLE   163,971 125 117
ISHARES: S&P MIDCAP GROWTH Equities 464287606   2,113,650 28,182 SH   SOLE   27,982 200 0
ISHARES: S&P SMALLCAP 600 INDEX Equities 464287804   42,351 425 SH   DFND   350 0 75
ISHARES: S&P SMALLCAP 600 INDEX Equities 464287804   20,282,263 203,535 SH   SOLE   203,233 185 117
ISHARES: US PFD STOCK INDEX Equities 464288687   17,321 560 SH   DFND   470 0 90
ISHARES: US PFD STOCK INDEX Equities 464288687   2,691,838 87,030 SH   SOLE   86,738 80 212
JOHNSON & JOHNSON Equities 478160104   8,276 50 SH   DFND   50 0 0
JOHNSON & JOHNSON Equities 478160104   710,743 4,294 SH   SOLE   4,294 0 0
JP MORGAN CHASE & CO. Equities 46625H100   3,109,216 21,378 SH   SOLE   21,328 50 0
KBW REGIONAL BANKING SPDR Equities 78464A698   213,663 5,233 SH   SOLE   5,233 0 0
KINDER MORGAN INC Equities 49456B101   470,037 27,296 SH   SOLE   27,101 195 0
KLA CORP Equities 482480100   2,627,838 5,418 SH   SOLE   5,403 15 0
LAM RESEARCH CORP Equities 512807108   1,626,436 2,530 SH   SOLE   2,520 10 0
LOWES COMPANIES INC. Equities 548661107   501,054 2,220 SH   SOLE   2,220 0 0
M&T BANK CORPORATION Equities 55261F104   3,713 30 SH   DFND   30 0 0
M&T BANK CORPORATION Equities 55261F104   439,100 3,548 SH   SOLE   3,548 0 0
MCDONALDS CORP Equities 580135101   329,146 1,103 SH   SOLE   1,103 0 0
MCKESSON HBOC INC. Equities 58155Q103   924,699 2,164 SH   SOLE   2,164 0 0
MEDTRONIC PLC Equities G5960L103   580,755 6,592 SH   SOLE   6,592 0 0
MERCK Equities 58933Y105   444,252 3,850 SH   SOLE   3,850 0 0
META PLATFORMS INC Equities 30303M102   1,070,435 3,730 SH   SOLE   3,708 22 0
MICRON TECHNOLOGY INC Equities 595112103   1,025,790 16,254 SH   SOLE   16,164 90 0
MICROSOFT CORP. Equities 594918104   6,292,158 18,477 SH   SOLE   18,447 30 0
MORNINGSTAR INC Equities 617700109   939,175 4,790 SH   SOLE   4,760 30 0
NEXTERA ENERGY, INC. Equities 65339F101   1,345,914 18,139 SH   SOLE   18,094 45 0
NIKE INC. Equities 654106103   588,824 5,335 SH   SOLE   5,335 0 0
NORTHROP GRUMMAN Equities 666807102   603,935 1,325 SH   SOLE   1,325 0 0
ORACLE CORP Equities 68389X105   996,188 8,365 SH   SOLE   8,365 0 0
PARKER HANNIFIN CORP Equities 701094104   3,002,528 7,698 SH   SOLE   7,676 22 0
PEPSICO INC Equities 713448108   474,904 2,564 SH   SOLE   2,564 0 0
PFIZER INC Equities 717081103   250,341 6,825 SH   SOLE   6,825 0 0
PPG IND INC Equities 693506107   946,747 6,384 SH   SOLE   6,384 0 0
PROCTER & GAMBLE COMPANY Equities 742718109   310,612 2,047 SH   SOLE   2,047 0 0
PROGRESSIVE CORP Equities 743315103   1,218,333 9,204 SH   SOLE   9,154 50 0
QUALCOMM INC. Equities 747525103   1,473,239 12,376 SH   SOLE   12,316 60 0
S&P GLOBAL Equities 78409V104   376,837 940 SH   SOLE   940 0 0
SKYWORKS SOLUTIONS INC Equities 83088M102   1,003,073 9,062 SH   SOLE   9,062 0 0
SOUTHERN CO Equities 842587107   216,019 3,075 SH   SOLE   3,075 0 0
SPDR BARCLAY'S CONVERTIBLE Equities 78464A359   353,947 5,060 SH   SOLE   5,060 0 0
SPDR S&P MIDCAP 400 ETF Equities 78467Y107   971,229 2,028 SH   SOLE   2,028 0 0
STANDARD & POORS DEP. RECEIPTS Equities 78462F103   791,255 1,785 SH   SOLE   1,785 0 0
STRYKER CORP Equities 863667101   1,837,252 6,022 SH   SOLE   5,997 25 0
TAIWAN SEMICONDUCTOR ADR Equities 874039100   297,209 2,945 SH   SOLE   2,945 0 0
THERMO FISHER SCIENTIFIC CORP Equities 883556102   265,571 509 SH   SOLE   509 0 0
TRAVELERS COMPANIES INC Equities 89417E109   678,490 3,907 SH   SOLE   3,907 0 0
UNION PAC CORP Equities 907818108   305,498 1,493 SH   SOLE   1,493 0 0
UNITED HEALTH GROUP Equities 91324P102   1,293,883 2,692 SH   SOLE   2,675 17 0
VANGUARD INDEX FDS GROWTH ETF Equities 922908736   261,738 925 SH   SOLE   925 0 0
VANGUARD INTERM-TERM BOND ETF Equities 921937819   204,249 2,715 SH   DFND   2,420 0 295
VANGUARD INTERM-TERM BOND ETF Equities 921937819   26,527,527 352,619 SH   SOLE   351,414 275 930
VANGUARD SHT-TRM INFL-PROT ETF Equities 922020805   262,233 5,530 SH   SOLE   5,530 0 0
VANGUARD TOTAL STOCK MARKET FUN Equities 922908769   434,833 1,974 SH   SOLE   1,974 0 0
VERIZON COMMUNICATIONS Equities 92343V104   363,309 9,769 SH   SOLE   9,769 0 0
VISA INC Equities 92826C839   3,510,192 14,781 SH   SOLE   14,746 35 0
WAL MART STORES, INC Equities 931142103   1,927,027 12,260 SH   SOLE   12,260 0 0
WALT DISNEY COMPANY Equities 254687106   873,069 9,779 SH   SOLE   9,734 45 0
WASTE MANAGEMENT INC. Equities 94106L109   383,432 2,211 SH   SOLE   2,211 0 0
WATERS CORP. Equities 941848103   1,012,852 3,800 SH   SOLE   3,790 10 0
WEC ENERGY GROUP INC Equities 92939U106   294,016 3,332 SH   SOLE   3,332 0 0
WELLS FARGO & CO. Equities 949746101   1,969,298 46,141 SH   SOLE   46,141 0 0
WILLIAMS-SONOMA INC Equities 969904101   1,098,104 8,775 SH   SOLE   8,775 0 0
ZIONS BANCORP Equities 989701107   213,806 7,960 SH   SOLE   7,960 0 0