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
Estimated average burden
hours per response: 23.8
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
3M Company COM STK 88579y101 23,196 150,331 SH   SOLE   4,453 0 145,878
3M Company COM STK 88579y101 37 240 SH   DFND   0 0 240
ABB, Ltd. COM STK 000375204 6,086 291,495 SH   SOLE   12,366 0 279,129
ABB, Ltd. COM STK 000375204 8 380 SH   DFND   0 0 380
AFLAC, Inc. COM STK 001055102 7,380 118,648 SH   SOLE   4,585 0 114,063
AFLAC, Inc. COM STK 001055102 16 260 SH   DFND   0 0 260
AT & T, Inc. New COM STK 00206r102 17,735 499,300 SH   SOLE   18,560 0 480,740
AT & T, Inc. New COM STK 00206r102 108 3,049 SH   DFND   0 0 3,049
AbbVie, Inc. COM STK 00287Y109 1,098 16,345 SH   SOLE   0 0 16,345
AbbVie, Inc. COM STK 00287Y109 16 239 SH   DFND   0 0 239
Abbott Laboratories COM STK 002824100 11,098 226,110 SH   SOLE   8,383 0 217,727
Abbott Laboratories COM STK 002824100 22 449 SH   DFND   0 0 449
Aetna Inc. COM STK 00817y108 1,285 10,080 SH   SOLE   0 0 10,080
Allstate Corp. COM STK 020002101 204 3,148 SH   SOLE   0 0 3,148
American Express COM STK 025816109 315 4,050 SH   SOLE   0 0 4,050
American Growth Fd of America COM STK 399874106 700 15,652 SH   SOLE   0 0 15,652
Amgen, Inc. COM STK 031162100 609 3,967 SH   SOLE   0 0 3,967
Amgen, Inc. COM STK 031162100 376 2,450 SH   DFND   0 0 2,450
Apple Computer, Inc. COM STK 037833100 7,005 55,850 SH   SOLE   2,300 0 53,550
Apple Computer, Inc. COM STK 037833100 74 593 SH   DFND   0 0 593
Ascendant Group Ltd. COM STK g05158103 122 24,200 SH   SOLE   0 0 24,200
Automatic Data Processing COM STK 053015103 12,792 159,440 SH   SOLE   5,390 0 154,050
Automatic Data Processing COM STK 053015103 18 225 SH   DFND   0 0 225
Bank of America Corp COM STK 060505104 222 13,019 SH   SOLE   0 0 13,019
Bank of New York Mellon Corp COM STK 064058100 9,185 218,838 SH   SOLE   9,567 0 209,271
Bank of New York Mellon Corp COM STK 064058100 8 200 SH   DFND   0 0 200
Bemis Co., Inc. COM STK 081437105 10,635 236,275 SH   SOLE   9,830 0 226,445
Bemis Co., Inc. COM STK 081437105 14 300 SH   DFND   0 0 300
Berkshire Hathaway Cl A (1/100 COM STK 084990175 410 200 SH   SOLE   0 0 200
Berkshire Hathaway Cl B COM STK 084670702 817 6,004 SH   SOLE   0 0 6,004
Bio-Rad Labs, Inc. COM STK 090572207 433 2,878 SH   SOLE   0 0 2,878
Boeing Company COM STK 097023105 513 3,700 SH   SOLE   0 0 3,700
Bristol-Myers Squibb Co. COM STK 110122108 1,624 24,408 SH   SOLE   0 0 24,408
Bristol-Myers Squibb Co. COM STK 110122108 7 100 SH   DFND   0 0 100
CDK Global, Inc. COM STK 12508e101 305 5,650 SH   SOLE   0 0 5,650
CDK Global, Inc. COM STK 12508e101 2 33 SH   DFND   0 0 33
CNS Response, Inc. COM STK 12619C200 2 32,181 SH   SOLE   0 0 32,181
Caterpillar, Inc. COM STK 149123101 476 5,609 SH   SOLE   0 0 5,609
Caterpillar, Inc. COM STK 149123101 17 200 SH   DFND   0 0 200
Cathrx, Ltd. COM STK Q2144M106 0 12,932 SH   SOLE   0 0 12,932
Chevron Corporation COM STK 166764100 14,839 153,819 SH   SOLE   5,325 0 148,494
Chevron Corporation COM STK 166764100 169 1,756 SH   DFND   0 0 1,756
Chubb Corp. COM STK 171232101 493 5,180 SH   SOLE   0 0 5,180
Clorox Company COM STK 189054109 3,900 37,490 SH   SOLE   0 0 37,490
Clorox Company COM STK 189054109 319 3,067 SH   DFND   0 0 3,067
Coca Cola Co COM STK 191216100 17,052 434,657 SH   SOLE   15,443 0 419,214
Coca Cola Co COM STK 191216100 25 632 SH   DFND   0 0 632
Colgate Palmolive COM STK 194162103 321 4,900 SH   SOLE   0 0 4,900
DFA Tax Mgd US Equity Fd COM STK 233203447 211 9,359 SH   SOLE   0 0 9,359
DFA Tax Mgd US Mktwide Value F COM STK 233203561 292 11,147 SH   SOLE   0 0 11,147
Deere & Co. COM STK 244199105 379 3,910 SH   SOLE   0 0 3,910
Disney Company, Walt COM STK 254687106 741 6,495 SH   SOLE   0 0 6,495
Dominion Res, Inc. COM STK 25746U109 254 3,798 SH   SOLE   0 0 3,798
Dominion Res, Inc. COM STK 25746U109 36 534 SH   DFND   0 0 534
Dover Corp. COM STK 260003108 253 3,600 SH   SOLE   0 0 3,600
Dow Chemical COM STK 260543103 418 8,175 SH   SOLE   0 0 8,175
Du Pont COM STK 263534109 14,854 232,280 SH   SOLE   8,820 0 223,460
Du Pont COM STK 263534109 29 460 SH   DFND   0 0 460
Edison Intl Corp COM STK 281020107 422 7,600 SH   SOLE   0 0 7,600
Edison Intl Corp COM STK 281020107 228 4,100 SH   DFND   0 0 4,100
Eli Lilly Co COM STK 532457108 1,265 15,150 SH   SOLE   0 0 15,150
Emerson Elec. Co COM STK 291011104 234 4,225 SH   SOLE   0 0 4,225
Energizer Holdings, Inc. COM STK 29266R108 210 1,600 SH   SOLE   0 0 1,600
Exxon Mobil Corp COM STK 30231G102 14,057 168,959 SH   SOLE   4,800 0 164,159
Exxon Mobil Corp COM STK 30231G102 339 4,080 SH   DFND   0 0 4,080
Ford Motor Co COM STK 345370860 6,651 443,088 SH   SOLE   19,050 0 424,038
Ford Motor Co COM STK 345370860 36 2,400 SH   DFND   0 0 2,400
General Electric COM STK 369604103 26,408 993,918 SH   SOLE   34,700 0 959,218
General Electric COM STK 369604103 253 9,516 SH   DFND   0 0 9,516
General Mills COM STK 370334104 596 10,700 SH   SOLE   0 0 10,700
Gilead Sciences, Inc. COM STK 375558103 288 2,456 SH   SOLE   0 0 2,456
Grainger, W.W., Inc. COM STK 384802104 4,099 17,320 SH   SOLE   410 0 16,910
Grainger, W.W., Inc. COM STK 384802104 59 250 SH   DFND   0 0 250
Hewlett Packard Co COM STK 428236103 387 12,883 SH   SOLE   0 0 12,883
Home Depot, Inc. COM STK 437076102 16,855 151,667 SH   SOLE   5,500 0 146,167
Home Depot, Inc. COM STK 437076102 10 90 SH   DFND   0 0 90
Honeywell, Inc. COM STK 438516106 540 5,300 SH   SOLE   0 0 5,300
Intel Corp COM STK 458140100 14,739 484,583 SH   SOLE   19,300 0 465,283
Intel Corp COM STK 458140100 351 11,550 SH   DFND   0 0 11,550
Intl Business Machines Corp COM STK 459200101 14,076 86,538 SH   SOLE   2,773 0 83,765
Intl Business Machines Corp COM STK 459200101 85 522 SH   DFND   0 0 522
J P Morgan Chase & Co COM STK 46625H100 23,000 339,440 SH   SOLE   11,960 0 327,480
J P Morgan Chase & Co COM STK 46625H100 78 1,151 SH   DFND   0 0 1,151
Johnson & Johnson COM STK 478160104 23,589 242,034 SH   SOLE   8,934 0 233,100
Johnson & Johnson COM STK 478160104 64 655 SH   DFND   0 0 655
Keytech Ltd. COM STK g52536102 75 27,247 SH   SOLE   0 0 27,247
Kimberly-Clark COM STK 494368103 237 2,240 SH   SOLE   150 0 2,090
Lincoln National Corp COM STK 534187109 420 7,100 SH   SOLE   0 0 7,100
Lincoln National Corp COM STK 534187109 24 400 SH   DFND   0 0 400
Marsh & McLennan, Inc. COM STK 571748102 556 9,800 SH   SOLE   0 0 9,800
McDonald's Corp COM STK 580135101 1,337 14,066 SH   SOLE   100 0 13,966
McDonald's Corp COM STK 580135101 16 170 SH   DFND   0 0 170
McGrath Rent Corp COM STK 580589109 243 8,000 SH   SOLE   0 0 8,000
McKesson HBOC Corp. COM STK 58155Q103 800 3,560 SH   SOLE   0 0 3,560
Merck & Co, Inc. COM STK 58933Y105 809 14,219 SH   SOLE   0 0 14,219
Microsoft Corp COM STK 594918104 14,024 317,652 SH   SOLE   13,250 0 304,402
Microsoft Corp COM STK 594918104 22 490 SH   DFND   0 0 490
Nextera Energy, Inc. COM STK 65339F101 735 7,500 SH   SOLE   0 0 7,500
Norfolk Southern Grp COM STK 655844108 1,853 21,212 SH   SOLE   0 0 21,212
Oracle Corp COM STK 68389X105 1,280 31,750 SH   SOLE   0 0 31,750
PNC Financial Services Group COM STK 693475105 618 6,460 SH   SOLE   0 0 6,460
Paccar Inc. COM STK 693718108 1,704 26,700 SH   SOLE   0 0 26,700
Pepsico, Inc. COM STK 713448108 1,173 12,565 SH   SOLE   0 0 12,565
Pfizer, Inc. COM STK 717081103 1,968 58,694 SH   SOLE   0 0 58,694
Pfizer, Inc. COM STK 717081103 27 801 SH   DFND   0 0 801
Pitney Bowes, Inc. COM STK 724479100 690 33,180 SH   SOLE   1,000 0 32,180
Praxair, Inc. COM STK 74005P104 559 4,673 SH   SOLE   275 0 4,398
Praxair, Inc. COM STK 74005P104 2 20 SH   DFND   0 0 20
Procter & Gamble Co COM STK 742718109 24,074 307,695 SH   SOLE   11,390 0 296,305
Procter & Gamble Co COM STK 742718109 31 395 SH   DFND   0 0 395
Qualcomm Inc COM STK 747525103 14,273 227,900 SH   SOLE   8,650 0 219,250
Qualcomm Inc COM STK 747525103 41 655 SH   DFND   0 0 655
Royal Dutch Shell A COM STK 780259206 739 12,960 SH   SOLE   0 0 12,960
S P D R Trust Unit SR COM STK 78462F103 298 1,450 SH   SOLE   0 0 1,450
Schlumberger, Ltd. COM STK 806857108 11,155 129,419 SH   SOLE   5,072 0 124,347
Schlumberger, Ltd. COM STK 806857108 10 115 SH   DFND   0 0 115
Sequoia Fund COM STK 817418106 363 1,420 SH   SOLE   0 0 1,420
Stryker Corp. COM STK 863667101 11,817 123,646 SH   SOLE   4,092 0 119,554
Stryker Corp. COM STK 863667101 31 325 SH   DFND   0 0 325
Target Corporation COM STK 87612E106 300 3,670 SH   SOLE   0 0 3,670
Toyota Motor Corp COM STK 892331307 304 2,275 SH   SOLE   0 0 2,275
US Bancorp COM STK 902973304 1,215 28,000 SH   SOLE   0 0 28,000
Unilever NV COM STK 904784709 818 19,552 SH   SOLE   0 0 19,552
Union Pacific Corp COM STK 907818108 10,748 112,701 SH   SOLE   3,086 0 109,615
Union Pacific Corp COM STK 907818108 15 160 SH   DFND   0 0 160
United Techs Corp COM STK 913017109 1,100 9,920 SH   SOLE   0 0 9,920
V F Corp COM STK 918204108 7,352 105,414 SH   SOLE   5,360 0 100,054
V F Corp COM STK 918204108 10 140 SH   DFND   0 0 140
Verizon Communications COM STK 92343V104 562 12,058 SH   SOLE   0 0 12,058
Verizon Communications COM STK 92343V104 5 114 SH   DFND   0 0 114
Wal Mart Stores, Inc. COM STK 931142103 11,032 155,534 SH   SOLE   5,750 0 149,784
Wal Mart Stores, Inc. COM STK 931142103 15 205 SH   DFND   0 0 205
Wells Fargo & Co. COM STK 949746101 12,577 223,630 SH   SOLE   5,800 0 217,830
Wells Fargo & Co. COM STK 949746101 22 385 SH   DFND   0 0 385
WestAmerica Bancorp COM STK 957090103 240 4,735 SH   SOLE   0 0 4,735
Xcel Energy, Inc. COM STK 98389B100 18,039 560,568 SH   SOLE   26,801 0 533,767
Xcel Energy, Inc. COM STK 98389B100 20 610 SH   DFND   0 0 610
Yum Brands, Inc. COM STK 895953107 226 2,513 SH   SOLE   0 0 2,513