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 25,542 144,934 SH   SOLE   4,703 0 140,231
3M Company COM STK 88579y101 33 190 SH   DFND   0 0 190
ABB, Ltd. COM STK 000375204 7,287 323,703 SH   SOLE   14,166 0 309,537
ABB, Ltd. COM STK 000375204 13 580 SH   DFND   0 0 580
AFLAC, Inc. COM STK 001055102 8,818 122,693 SH   SOLE   4,585 0 118,108
AFLAC, Inc. COM STK 001055102 14 195 SH   DFND   0 0 195
AT & T, Inc. New COM STK 00206r102 20,680 509,245 SH   SOLE   18,450 0 490,795
AT & T, Inc. New COM STK 00206r102 116 2,849 SH   DFND   0 0 2,849
AbbVie, Inc. COM STK 00287Y109 969 15,365 SH   SOLE   0 0 15,365
AbbVie, Inc. COM STK 00287Y109 9 139 SH   DFND   0 0 139
Abbott Laboratories COM STK 002824100 12,134 286,933 SH   SOLE   11,273 0 275,660
Abbott Laboratories COM STK 002824100 19 449 SH   DFND   0 0 449
Aetna Inc. COM STK 00817y108 1,033 8,950 SH   SOLE   0 0 8,950
Allstate Corp. COM STK 020002101 218 3,148 SH   SOLE   0 0 3,148
Alphabet Inc. Class A COM STK 02079K305 261 324 SH   SOLE   0 0 324
Alphabet Inc. Class A COM STK 02079K305 32 40 SH   DFND   0 0 40
Alphabet Inc. Class C COM STK 02079K107 220 283 SH   SOLE   0 0 283
Alphabet Inc. Class C COM STK 02079K107 31 40 SH   DFND   0 0 40
American Growth Fd of America COM STK 399874106 617 14,000 SH   SOLE   0 0 14,000
Amgen, Inc. COM STK 031162100 659 3,949 SH   SOLE   0 0 3,949
Amgen, Inc. COM STK 031162100 400 2,400 SH   DFND   0 0 2,400
Apple Computer, Inc. COM STK 037833100 8,848 78,269 SH   SOLE   3,170 0 75,099
Apple Computer, Inc. COM STK 037833100 83 738 SH   DFND   0 0 738
Ascendant Group Ltd. COM STK g05158103 157 24,200 SH   SOLE   0 0 24,200
Automatic Data Processing COM STK 053015103 13,911 157,724 SH   SOLE   5,410 0 152,314
Automatic Data Processing COM STK 053015103 20 225 SH   DFND   0 0 225
Bank of New York Mellon Corp COM STK 064058100 9,475 237,590 SH   SOLE   10,270 0 227,320
Bank of New York Mellon Corp COM STK 064058100 8 200 SH   DFND   0 0 200
Bemis Co., Inc. COM STK 081437105 12,116 237,521 SH   SOLE   9,250 0 228,271
Bemis Co., Inc. COM STK 081437105 19 370 SH   DFND   0 0 370
Berkshire Hathaway Cl A (1/100 COM STK 084990175 432 200 SH   SOLE   0 0 200
Berkshire Hathaway Cl B COM STK 084670702 847 5,864 SH   SOLE   0 0 5,864
Bio-Rad Labs, Inc. COM STK 090572207 471 2,878 SH   SOLE   0 0 2,878
Boeing Company COM STK 097023105 481 3,650 SH   SOLE   0 0 3,650
Bristol-Myers Squibb Co. COM STK 110122108 1,244 23,068 SH   SOLE   0 0 23,068
Bristol-Myers Squibb Co. COM STK 110122108 5 100 SH   DFND   0 0 100
CDK Global, Inc. COM STK 12508e101 211 3,672 SH   SOLE   0 0 3,672
Carnival Corp COM STK 143658300 5,603 114,775 SH   SOLE   4,880 0 109,895
Carnival Corp COM STK 143658300 9 190 SH   DFND   0 0 190
Caterpillar, Inc. COM STK 149123101 396 4,459 SH   SOLE   0 0 4,459
Caterpillar, Inc. COM STK 149123101 18 200 SH   DFND   0 0 200
Celgene Corporation COM STK 151020104 830 7,940 SH   SOLE   0 0 7,940
Chevron Corporation COM STK 166764100 15,584 151,420 SH   SOLE   5,480 0 145,940
Chevron Corporation COM STK 166764100 160 1,550 SH   DFND   0 0 1,550
Clorox Company COM STK 189054109 4,649 37,140 SH   SOLE   0 0 37,140
Clorox Company COM STK 189054109 384 3,067 SH   DFND   0 0 3,067
Coca Cola Co COM STK 191216100 18,406 434,925 SH   SOLE   15,805 0 419,120
Coca Cola Co COM STK 191216100 29 692 SH   DFND   0 0 692
Colgate Palmolive COM STK 194162103 5,606 75,614 SH   SOLE   3,000 0 72,614
Colgate Palmolive COM STK 194162103 12 165 SH   DFND   0 0 165
DFA Tax Mgd US Equity Fd COM STK 233203447 219 9,359 SH   SOLE   0 0 9,359
Deere & Co. COM STK 244199105 334 3,910 SH   SOLE   0 0 3,910
Disney Company, Walt COM STK 254687106 611 6,582 SH   SOLE   0 0 6,582
Dominion Res, Inc. COM STK 25746U109 252 3,398 SH   SOLE   0 0 3,398
Dover Corp. COM STK 260003108 265 3,600 SH   SOLE   0 0 3,600
Dow Chemical COM STK 260543103 370 7,132 SH   SOLE   0 0 7,132
Du Pont COM STK 263534109 15,286 228,250 SH   SOLE   9,150 0 219,100
Du Pont COM STK 263534109 31 460 SH   DFND   0 0 460
Edison Intl Corp COM STK 281020107 542 7,500 SH   SOLE   0 0 7,500
Edison Intl Corp COM STK 281020107 7 100 SH   DFND   0 0 100
Eli Lilly Co COM STK 532457108 1,081 13,465 SH   SOLE   0 0 13,465
Exxon Mobil Corp COM STK 30231G102 14,772 169,245 SH   SOLE   5,125 0 164,120
Exxon Mobil Corp COM STK 30231G102 27 315 SH   DFND   0 0 315
Ford Motor Co COM STK 345370860 4,944 409,630 SH   SOLE   21,580 0 388,050
Ford Motor Co COM STK 345370860 5 400 SH   DFND   0 0 400
General Electric COM STK 369604103 27,953 943,713 SH   SOLE   33,075 0 910,638
General Electric COM STK 369604103 54 1,816 SH   DFND   0 0 1,816
General Mills COM STK 370334104 539 8,440 SH   SOLE   0 0 8,440
Grainger, W.W., Inc. COM STK 384802104 2,297 10,218 SH   SOLE   125 0 10,093
Grainger, W.W., Inc. COM STK 384802104 56 250 SH   DFND   0 0 250
Home Depot, Inc. COM STK 437076102 17,335 134,713 SH   SOLE   5,065 0 129,648
Home Depot, Inc. COM STK 437076102 12 90 SH   DFND   0 0 90
Honeywell, Inc. COM STK 438516106 547 4,690 SH   SOLE   0 0 4,690
Intel Corp COM STK 458140100 20,048 531,060 SH   SOLE   20,950 0 510,110
Intel Corp COM STK 458140100 160 4,250 SH   DFND   0 0 4,250
Intl Business Machines Corp COM STK 459200101 13,171 82,912 SH   SOLE   2,963 0 79,949
Intl Business Machines Corp COM STK 459200101 2 10 SH   DFND   0 0 10
J P Morgan Chase & Co COM STK 46625H100 23,392 351,280 SH   SOLE   13,085 0 338,195
J P Morgan Chase & Co COM STK 46625H100 56 841 SH   DFND   0 0 841
Johnson & Johnson COM STK 478160104 27,702 234,506 SH   SOLE   8,774 0 225,732
Johnson & Johnson COM STK 478160104 42 355 SH   DFND   0 0 355
Kellogg Co. COM STK 487836108 201 2,600 SH   SOLE   0 0 2,600
Keytech Ltd. COM STK g52536102 72 27,247 SH   SOLE   0 0 27,247
Kimberly-Clark COM STK 494368103 257 2,040 SH   SOLE   150 0 1,890
Lincoln National Corp COM STK 534187109 315 6,700 SH   SOLE   0 0 6,700
Lincoln National Corp COM STK 534187109 19 400 SH   DFND   0 0 400
Marsh & McLennan, Inc. COM STK 571748102 551 8,200 SH   SOLE   0 0 8,200
McDonald's Corp COM STK 580135101 1,378 11,948 SH   SOLE   100 0 11,848
McGrath Rent Corp COM STK 580589109 254 8,000 SH   SOLE   0 0 8,000
McKesson HBOC Corp. COM STK 58155Q103 584 3,500 SH   SOLE   0 0 3,500
Merck & Co, Inc. COM STK 58933Y105 612 9,800 SH   SOLE   0 0 9,800
Microsoft Corp COM STK 594918104 17,152 297,773 SH   SOLE   12,400 0 285,373
Microsoft Corp COM STK 594918104 31 535 SH   DFND   0 0 535
Mondelez Intl, Inc. COM STK 609207105 2,691 61,297 SH   SOLE   3,425 0 57,872
Mondelez Intl, Inc. COM STK 609207105 7 155 SH   DFND   0 0 155
Nextera Energy, Inc. COM STK 65339F101 734 6,000 SH   SOLE   0 0 6,000
Norfolk Southern Grp COM STK 655844108 1,708 17,600 SH   SOLE   0 0 17,600
Oracle Corp COM STK 68389X105 1,231 31,350 SH   SOLE   0 0 31,350
PNC Financial Services Group COM STK 693475105 559 6,210 SH   SOLE   0 0 6,210
Paccar Inc. COM STK 693718108 1,569 26,700 SH   SOLE   0 0 26,700
Pepsico, Inc. COM STK 713448108 1,063 9,772 SH   SOLE   0 0 9,772
Pfizer, Inc. COM STK 717081103 1,700 50,178 SH   SOLE   0 0 50,178
Pfizer, Inc. COM STK 717081103 27 801 SH   DFND   0 0 801
Pitney Bowes, Inc. COM STK 724479100 253 13,950 SH   SOLE   0 0 13,950
Procter & Gamble Co COM STK 742718109 25,210 280,888 SH   SOLE   9,936 0 270,952
Procter & Gamble Co COM STK 742718109 28 310 SH   DFND   0 0 310
Qualcomm Inc COM STK 747525103 14,901 217,526 SH   SOLE   8,205 0 209,321
Qualcomm Inc COM STK 747525103 45 655 SH   DFND   0 0 655
Royal Dutch Shell A COM STK 780259206 589 11,760 SH   SOLE   0 0 11,760
SJW Corporation COM STK 784305104 266 6,100 SH   SOLE   0 0 6,100
Schlumberger, Ltd. COM STK 806857108 11,412 145,116 SH   SOLE   6,172 0 138,944
Schlumberger, Ltd. COM STK 806857108 13 165 SH   DFND   0 0 165
Schwab US Large Cap ETF COM STK 808524201 203 3,936 SH   SOLE   0 0 3,936
Stryker Corp. COM STK 863667101 13,410 115,194 SH   SOLE   3,492 0 111,702
Stryker Corp. COM STK 863667101 17 150 SH   DFND   0 0 150
Target Corporation COM STK 87612E106 257 3,738 SH   SOLE   0 0 3,738
Toyota Motor Corp COM STK 892331307 264 2,275 SH   SOLE   0 0 2,275
US Bancorp COM STK 902973304 1,025 23,900 SH   SOLE   0 0 23,900
Unilever NV COM STK 904784709 686 14,881 SH   SOLE   0 0 14,881
Union Pacific Corp COM STK 907818108 7,491 76,809 SH   SOLE   1,460 0 75,349
Union Pacific Corp COM STK 907818108 7 70 SH   DFND   0 0 70
United Parcel Service COM STK 911312106 7,709 70,489 SH   SOLE   2,515 0 67,974
United Parcel Service COM STK 911312106 10 95 SH   DFND   0 0 95
United Techs Corp COM STK 913017109 816 8,035 SH   SOLE   0 0 8,035
V F Corp COM STK 918204108 8,227 146,784 SH   SOLE   7,070 0 139,714
V F Corp COM STK 918204108 18 320 SH   DFND   0 0 320
Verizon Communications COM STK 92343V104 448 8,623 SH   SOLE   0 0 8,623
Verizon Communications COM STK 92343V104 6 114 SH   DFND   0 0 114
Wal Mart Stores, Inc. COM STK 931142103 676 9,369 SH   SOLE   0 0 9,369
Wells Fargo & Co. COM STK 949746101 11,376 256,902 SH   SOLE   7,550 0 249,352
Wells Fargo & Co. COM STK 949746101 28 625 SH   DFND   0 0 625
WestAmerica Bancorp COM STK 957090103 241 4,735 SH   SOLE   0 0 4,735
Xcel Energy, Inc. COM STK 98389B100 21,942 533,362 SH   SOLE   23,260 0 510,102
Xcel Energy, Inc. COM STK 98389B100 13 310 SH   DFND   0 0 310
Yum Brands, Inc. COM STK 895953107 228 2,513 SH   SOLE   0 0 2,513