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 25,223 141,251 SH   SOLE   4,603 0 136,648
3M Company COM STK 88579y101 32 180 SH   DFND   0 0 180
ABB, Ltd. COM STK 000375204 6,924 328,611 SH   SOLE   14,166 0 314,445
ABB, Ltd. COM STK 000375204 12 580 SH   DFND   0 0 580
AFLAC, Inc. COM STK 001055102 7,524 108,110 SH   SOLE   2,985 0 105,125
AFLAC, Inc. COM STK 001055102 13 180 SH   DFND   0 0 180
AT & T, Inc. New COM STK 00206r102 21,603 507,958 SH   SOLE   18,450 0 489,508
AT & T, Inc. New COM STK 00206r102 124 2,917 SH   DFND   0 0 2,917
AbbVie, Inc. COM STK 00287Y109 1,012 16,165 SH   SOLE   0 0 16,165
AbbVie, Inc. COM STK 00287Y109 9 139 SH   DFND   0 0 139
Abbott Laboratories COM STK 002824100 11,344 295,333 SH   SOLE   11,273 0 284,060
Abbott Laboratories COM STK 002824100 18 479 SH   DFND   0 0 479
Aetna Inc. COM STK 00817y108 663 5,350 SH   SOLE   0 0 5,350
Allstate Corp. COM STK 020002101 233 3,148 SH   SOLE   0 0 3,148
Alphabet Inc. Class A COM STK 02079K305 257 324 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 218 283 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 589 14,000 SH   SOLE   0 0 14,000
Amgen, Inc. COM STK 031162100 577 3,949 SH   SOLE   0 0 3,949
Amgen, Inc. COM STK 031162100 351 2,400 SH   DFND   0 0 2,400
Apple Computer, Inc. COM STK 037833100 9,165 79,130 SH   SOLE   3,170 0 75,960
Apple Computer, Inc. COM STK 037833100 85 738 SH   DFND   0 0 738
Ascendant Group Ltd. COM STK g05158103 172 24,200 SH   SOLE   0 0 24,200
Automatic Data Processing COM STK 053015103 16,115 156,793 SH   SOLE   5,510 0 151,283
Automatic Data Processing COM STK 053015103 18 175 SH   DFND   0 0 175
Bank of New York Mellon Corp COM STK 064058100 11,228 236,976 SH   SOLE   10,270 0 226,706
Bank of New York Mellon Corp COM STK 064058100 9 200 SH   DFND   0 0 200
Bemis Co., Inc. COM STK 081437105 11,350 237,343 SH   SOLE   9,250 0 228,093
Bemis Co., Inc. COM STK 081437105 18 370 SH   DFND   0 0 370
Berkshire Hathaway Cl A (1/100 COM STK 084990175 488 200 SH   SOLE   0 0 200
Berkshire Hathaway Cl B COM STK 084670702 956 5,864 SH   SOLE   0 0 5,864
Bio-Rad Labs, Inc. COM STK 090572207 525 2,878 SH   SOLE   0 0 2,878
Boeing Company COM STK 097023105 522 3,350 SH   SOLE   0 0 3,350
Bristol-Myers Squibb Co. COM STK 110122108 1,327 22,708 SH   SOLE   0 0 22,708
Bristol-Myers Squibb Co. COM STK 110122108 6 100 SH   DFND   0 0 100
Carnival Corp COM STK 143658300 6,248 120,012 SH   SOLE   5,030 0 114,982
Carnival Corp COM STK 143658300 10 190 SH   DFND   0 0 190
Caterpillar, Inc. COM STK 149123101 344 3,709 SH   SOLE   0 0 3,709
Caterpillar, Inc. COM STK 149123101 19 200 SH   DFND   0 0 200
Celgene Corporation COM STK 151020104 896 7,740 SH   SOLE   0 0 7,740
Chevron Corporation COM STK 166764100 17,526 148,904 SH   SOLE   5,280 0 143,624
Chevron Corporation COM STK 166764100 182 1,550 SH   DFND   0 0 1,550
Clorox Company COM STK 189054109 4,458 37,140 SH   SOLE   0 0 37,140
Clorox Company COM STK 189054109 368 3,067 SH   DFND   0 0 3,067
Coca Cola Co COM STK 191216100 18,210 439,217 SH   SOLE   15,805 0 423,412
Coca Cola Co COM STK 191216100 29 692 SH   DFND   0 0 692
Colgate Palmolive COM STK 194162103 5,410 82,674 SH   SOLE   3,400 0 79,274
Colgate Palmolive COM STK 194162103 11 165 SH   DFND   0 0 165
DFA Tax Mgd US Equity Fd COM STK 233203447 228 9,359 SH   SOLE   0 0 9,359
Deere & Co. COM STK 244199105 351 3,410 SH   SOLE   0 0 3,410
Disney Company, Walt COM STK 254687106 671 6,438 SH   SOLE   0 0 6,438
Dominion Res, Inc. COM STK 25746U109 260 3,398 SH   SOLE   0 0 3,398
Dover Corp. COM STK 260003108 270 3,600 SH   SOLE   0 0 3,600
Dow Chemical COM STK 260543103 399 6,975 SH   SOLE   0 0 6,975
Du Pont COM STK 263534109 16,591 226,042 SH   SOLE   8,550 0 217,492
Du Pont COM STK 263534109 34 460 SH   DFND   0 0 460
Edison Intl Corp COM STK 281020107 540 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 1,003 13,631 SH   SOLE   0 0 13,631
Emerson Elec. Co COM STK 291011104 203 3,635 SH   SOLE   0 0 3,635
Exxon Mobil Corp COM STK 30231G102 14,844 164,456 SH   SOLE   4,925 0 159,531
Exxon Mobil Corp COM STK 30231G102 28 315 SH   DFND   0 0 315
Ford Motor Co COM STK 345370860 4,704 387,761 SH   SOLE   21,580 0 366,181
Ford Motor Co COM STK 345370860 5 400 SH   DFND   0 0 400
General Electric COM STK 369604103 29,520 934,162 SH   SOLE   33,075 0 901,087
General Electric COM STK 369604103 57 1,816 SH   DFND   0 0 1,816
General Mills COM STK 370334104 521 8,440 SH   SOLE   0 0 8,440
Grainger, W.W., Inc. COM STK 384802104 2,317 9,977 SH   SOLE   125 0 9,852
Grainger, W.W., Inc. COM STK 384802104 58 250 SH   DFND   0 0 250
Home Depot, Inc. COM STK 437076102 17,872 133,295 SH   SOLE   5,065 0 128,230
Home Depot, Inc. COM STK 437076102 12 90 SH   DFND   0 0 90
Honeywell, Inc. COM STK 438516106 312 2,690 SH   SOLE   0 0 2,690
Intel Corp COM STK 458140100 19,238 530,420 SH   SOLE   20,950 0 509,470
Intel Corp COM STK 458140100 154 4,250 SH   DFND   0 0 4,250
Intl Business Machines Corp COM STK 459200101 13,518 81,440 SH   SOLE   2,963 0 78,477
Intl Business Machines Corp COM STK 459200101 2 10 SH   DFND   0 0 10
J P Morgan Chase & Co COM STK 46625H100 29,404 340,762 SH   SOLE   12,735 0 328,027
J P Morgan Chase & Co COM STK 46625H100 73 841 SH   DFND   0 0 841
Johnson & Johnson COM STK 478160104 27,116 235,362 SH   SOLE   8,774 0 226,588
Johnson & Johnson COM STK 478160104 41 355 SH   DFND   0 0 355
Keytech Ltd. COM STK g52536102 66 27,247 SH   SOLE   0 0 27,247
Kimberly-Clark COM STK 494368103 216 1,890 SH   SOLE   0 0 1,890
Lincoln National Corp COM STK 534187109 444 6,700 SH   SOLE   0 0 6,700
Lincoln National Corp COM STK 534187109 27 400 SH   DFND   0 0 400
Marsh & McLennan, Inc. COM STK 571748102 554 8,200 SH   SOLE   0 0 8,200
McDonald's Corp COM STK 580135101 1,408 11,564 SH   SOLE   100 0 11,464
McGrath Rent Corp COM STK 580589109 314 8,000 SH   SOLE   0 0 8,000
McKesson HBOC Corp. COM STK 58155Q103 492 3,500 SH   SOLE   0 0 3,500
Merck & Co, Inc. COM STK 58933Y105 439 7,463 SH   SOLE   0 0 7,463
Microsoft Corp COM STK 594918104 18,239 293,508 SH   SOLE   12,400 0 281,108
Microsoft Corp COM STK 594918104 33 535 SH   DFND   0 0 535
Mondelez Intl, Inc. COM STK 609207105 4,047 91,291 SH   SOLE   4,625 0 86,666
Mondelez Intl, Inc. COM STK 609207105 9 205 SH   DFND   0 0 205
Nextera Energy, Inc. COM STK 65339F101 717 6,000 SH   SOLE   0 0 6,000
Norfolk Southern Grp COM STK 655844108 1,518 14,050 SH   SOLE   0 0 14,050
Oracle Corp COM STK 68389X105 1,228 31,950 SH   SOLE   0 0 31,950
PNC Financial Services Group COM STK 693475105 726 6,210 SH   SOLE   0 0 6,210
Paccar Inc. COM STK 693718108 1,706 26,700 SH   SOLE   0 0 26,700
Pepsico, Inc. COM STK 713448108 1,022 9,772 SH   SOLE   0 0 9,772
Pfizer, Inc. COM STK 717081103 1,588 48,883 SH   SOLE   0 0 48,883
Pfizer, Inc. COM STK 717081103 26 801 SH   DFND   0 0 801
Pitney Bowes, Inc. COM STK 724479100 209 13,750 SH   SOLE   0 0 13,750
Procter & Gamble Co COM STK 742718109 22,531 267,971 SH   SOLE   9,336 0 258,635
Procter & Gamble Co COM STK 742718109 25 295 SH   DFND   0 0 295
Qualcomm Inc COM STK 747525103 13,230 202,911 SH   SOLE   8,130 0 194,781
Qualcomm Inc COM STK 747525103 43 655 SH   DFND   0 0 655
Royal Dutch Shell A COM STK 780259206 615 11,310 SH   SOLE   0 0 11,310
SJW Corporation COM STK 784305104 341 6,100 SH   SOLE   0 0 6,100
Schlumberger, Ltd. COM STK 806857108 12,202 145,346 SH   SOLE   6,172 0 139,174
Schlumberger, Ltd. COM STK 806857108 14 165 SH   DFND   0 0 165
Schwab US Large Cap ETF COM STK 808524201 220 4,134 SH   SOLE   0 0 4,134
Stryker Corp. COM STK 863667101 13,629 113,751 SH   SOLE   3,492 0 110,259
Stryker Corp. COM STK 863667101 18 150 SH   DFND   0 0 150
Target Corporation COM STK 87612E106 270 3,738 SH   SOLE   0 0 3,738
Toyota Motor Corp COM STK 892331307 208 1,775 SH   SOLE   0 0 1,775
US Bancorp COM STK 902973304 778 15,150 SH   SOLE   0 0 15,150
Unilever NV COM STK 904784709 599 14,581 SH   SOLE   0 0 14,581
Union Pacific Corp COM STK 907818108 7,671 73,990 SH   SOLE   1,460 0 72,530
Union Pacific Corp COM STK 907818108 7 70 SH   DFND   0 0 70
United Parcel Service COM STK 911312106 8,202 71,544 SH   SOLE   2,515 0 69,029
United Parcel Service COM STK 911312106 11 95 SH   DFND   0 0 95
United Techs Corp COM STK 913017109 881 8,035 SH   SOLE   0 0 8,035
V F Corp COM STK 918204108 8,446 158,314 SH   SOLE   7,470 0 150,844
V F Corp COM STK 918204108 17 320 SH   DFND   0 0 320
Verizon Communications COM STK 92343V104 460 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 577 8,344 SH   SOLE   0 0 8,344
Wells Fargo & Co. COM STK 949746101 14,286 259,230 SH   SOLE   7,550 0 251,680
Wells Fargo & Co. COM STK 949746101 34 625 SH   DFND   0 0 625
WestAmerica Bancorp COM STK 957090103 289 4,600 SH   SOLE   0 0 4,600
Xcel Energy, Inc. COM STK 98389B100 21,584 530,314 SH   SOLE   23,260 0 507,054
Xcel Energy, Inc. COM STK 98389B100 15 360 SH   DFND   0 0 360