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 26,953 140,871 SH   SOLE   4,583 0 136,288
3M Company COM STK 88579y101 34 180 SH   DFND   0 0 180
ABB, Ltd. COM STK 000375204 7,690 328,649 SH   SOLE   14,166 0 314,483
ABB, Ltd. COM STK 000375204 14 580 SH   DFND   0 0 580
AFLAC, Inc. COM STK 001055102 2,000 27,613 SH   SOLE   0 0 27,613
AFLAC, Inc. COM STK 001055102 5 75 SH   DFND   0 0 75
AT & T, Inc. New COM STK 00206r102 21,120 508,296 SH   SOLE   18,450 0 489,846
AT & T, Inc. New COM STK 00206r102 120 2,887 SH   DFND   0 0 2,887
AbbVie, Inc. COM STK 00287Y109 1,004 15,415 SH   SOLE   0 0 15,415
AbbVie, Inc. COM STK 00287Y109 9 139 SH   DFND   0 0 139
Abbott Laboratories COM STK 002824100 13,348 300,561 SH   SOLE   11,373 0 289,188
Abbott Laboratories COM STK 002824100 28 639 SH   DFND   0 0 639
Aetna Inc. COM STK 00817y108 631 4,950 SH   SOLE   0 0 4,950
Alphabet Inc. Class A COM STK 02079K305 529 624 SH   SOLE   0 0 624
Alphabet Inc. Class A COM STK 02079K305 34 40 SH   DFND   0 0 40
Alphabet Inc. Class C COM STK 02079K107 533 643 SH   SOLE   0 0 643
Alphabet Inc. Class C COM STK 02079K107 33 40 SH   DFND   0 0 40
American Express COM STK 025816109 695 8,782 SH   SOLE   0 0 8,782
American Growth Fd of America COM STK 399874106 962 21,170 SH   SOLE   0 0 21,170
Ameriprise Financial, Inc. COM STK 03076C106 486 3,748 SH   SOLE   0 0 3,748
Amgen, Inc. COM STK 031162100 1,564 9,531 SH   SOLE   0 0 9,531
Amgen, Inc. COM STK 031162100 394 2,400 SH   DFND   0 0 2,400
Anadarko Pete, Inc. COM STK 032511107 361 5,818 SH   SOLE   0 0 5,818
Analog Devices, Inc. COM STK 032654105 242 2,950 SH   SOLE   0 0 2,950
Apple Computer, Inc. COM STK 037833100 13,166 91,648 SH   SOLE   3,170 0 88,478
Apple Computer, Inc. COM STK 037833100 110 768 SH   DFND   0 0 768
Ascendant Group Ltd. COM STK g05158103 177 24,200 SH   SOLE   0 0 24,200
Automatic Data Processing COM STK 053015103 16,391 160,084 SH   SOLE   5,540 0 154,544
Automatic Data Processing COM STK 053015103 19 190 SH   DFND   0 0 190
Bank of New York Mellon Corp COM STK 064058100 11,577 245,127 SH   SOLE   10,320 0 234,807
Bank of New York Mellon Corp COM STK 064058100 9 200 SH   DFND   0 0 200
Bemis Co., Inc. COM STK 081437105 11,622 237,862 SH   SOLE   9,250 0 228,612
Bemis Co., Inc. COM STK 081437105 18 370 SH   DFND   0 0 370
Berkshire Hathaway Cl A (1/100 COM STK 084990175 500 200 SH   SOLE   0 0 200
Berkshire Hathaway Cl B COM STK 084670702 969 5,814 SH   SOLE   0 0 5,814
Bio-Rad Labs, Inc. COM STK 090572207 574 2,878 SH   SOLE   0 0 2,878
Blackrock, Inc. COM STK 09247X101 205 535 SH   SOLE   0 0 535
Boeing Company COM STK 097023105 504 2,850 SH   SOLE   0 0 2,850
Bristol-Myers Squibb Co. COM STK 110122108 1,219 22,408 SH   SOLE   0 0 22,408
Bristol-Myers Squibb Co. COM STK 110122108 5 100 SH   DFND   0 0 100
Carnival Corp COM STK 143658300 7,171 121,730 SH   SOLE   5,030 0 116,700
Carnival Corp COM STK 143658300 17 290 SH   DFND   0 0 290
Caterpillar, Inc. COM STK 149123101 302 3,259 SH   SOLE   0 0 3,259
Caterpillar, Inc. COM STK 149123101 19 200 SH   DFND   0 0 200
Celgene Corporation COM STK 151020104 241 1,940 SH   SOLE   0 0 1,940
Chevron Corporation COM STK 166764100 15,545 144,778 SH   SOLE   4,975 0 139,803
Chevron Corporation COM STK 166764100 166 1,550 SH   DFND   0 0 1,550
Cisco Systems, Inc. COM STK 17275R102 362 10,704 SH   SOLE   0 0 10,704
Cisco Systems, Inc. COM STK 17275R102 17 500 SH   DFND   0 0 500
Clorox Company COM STK 189054109 5,048 37,440 SH   SOLE   0 0 37,440
Clorox Company COM STK 189054109 414 3,067 SH   DFND   0 0 3,067
Coca Cola Co COM STK 191216100 18,834 443,783 SH   SOLE   15,805 0 427,978
Coca Cola Co COM STK 191216100 34 792 SH   DFND   0 0 792
Colgate Palmolive COM STK 194162103 6,549 89,476 SH   SOLE   3,650 0 85,826
Colgate Palmolive COM STK 194162103 17 230 SH   DFND   0 0 230
DFA Tax Mgd US Mktwide Value F COM STK 233203561 203 7,147 SH   SOLE   0 0 7,147
Deere & Co. COM STK 244199105 371 3,410 SH   SOLE   0 0 3,410
Disney Company, Walt COM STK 254687106 1,104 9,736 SH   SOLE   0 0 9,736
Dominion Res, Inc. COM STK 25746U109 256 3,298 SH   SOLE   0 0 3,298
Dover Corp. COM STK 260003108 542 6,750 SH   SOLE   0 0 6,750
Dow Chemical COM STK 260543103 443 6,975 SH   SOLE   0 0 6,975
Du Pont COM STK 263534109 17,736 220,784 SH   SOLE   8,300 0 212,484
Du Pont COM STK 263534109 37 460 SH   DFND   0 0 460
Edison Intl Corp COM STK 281020107 597 7,500 SH   SOLE   0 0 7,500
Edison Intl Corp COM STK 281020107 8 100 SH   DFND   0 0 100
Eli Lilly Co COM STK 532457108 1,158 13,771 SH   SOLE   0 0 13,771
Expeditors Int'l of Washington COM STK 302130109 282 5,000 SH   SOLE   0 0 5,000
Exxon Mobil Corp COM STK 30231G102 13,349 162,771 SH   SOLE   4,925 0 157,846
Exxon Mobil Corp COM STK 30231G102 26 315 SH   DFND   0 0 315
Ford Motor Co COM STK 345370860 4,320 371,165 SH   SOLE   14,950 0 356,215
Ford Motor Co COM STK 345370860 5 400 SH   DFND   0 0 400
General Electric COM STK 369604103 28,384 952,469 SH   SOLE   33,075 0 919,394
General Electric COM STK 369604103 53 1,766 SH   DFND   0 0 1,766
General Mills COM STK 370334104 474 8,040 SH   SOLE   0 0 8,040
Grainger, W.W., Inc. COM STK 384802104 2,024 8,695 SH   SOLE   25 0 8,670
Grainger, W.W., Inc. COM STK 384802104 58 250 SH   DFND   0 0 250
Home Depot, Inc. COM STK 437076102 19,552 133,164 SH   SOLE   4,965 0 128,199
Home Depot, Inc. COM STK 437076102 13 90 SH   DFND   0 0 90
Honeywell, Inc. COM STK 438516106 307 2,460 SH   SOLE   0 0 2,460
Intel Corp COM STK 458140100 19,637 544,417 SH   SOLE   19,950 0 524,467
Intel Corp COM STK 458140100 156 4,320 SH   DFND   0 0 4,320
Intl Business Machines Corp COM STK 459200101 13,987 80,319 SH   SOLE   2,683 0 77,636
Intl Business Machines Corp COM STK 459200101 2 10 SH   DFND   0 0 10
J P Morgan Chase & Co COM STK 46625H100 27,646 314,734 SH   SOLE   10,995 0 303,739
J P Morgan Chase & Co COM STK 46625H100 69 781 SH   DFND   0 0 781
Johnson & Johnson COM STK 478160104 29,479 236,682 SH   SOLE   8,744 0 227,938
Johnson & Johnson COM STK 478160104 44 355 SH   DFND   0 0 355
Kimberly-Clark COM STK 494368103 249 1,890 SH   SOLE   0 0 1,890
Lincoln National Corp COM STK 534187109 425 6,500 SH   SOLE   0 0 6,500
Lincoln National Corp COM STK 534187109 26 400 SH   DFND   0 0 400
Lockheed Martin Corp COM STK 539830109 241 900 SH   SOLE   0 0 900
Marsh & McLennan, Inc. COM STK 571748102 606 8,200 SH   SOLE   0 0 8,200
McDonald's Corp COM STK 580135101 1,510 11,649 SH   SOLE   100 0 11,549
McGrath Rent Corp COM STK 580589109 443 13,200 SH   SOLE   0 0 13,200
McKesson HBOC Corp. COM STK 58155Q103 519 3,500 SH   SOLE   0 0 3,500
Merck & Co, Inc. COM STK 58933Y105 494 7,767 SH   SOLE   0 0 7,767
Microsoft Corp COM STK 594918104 18,746 284,633 SH   SOLE   11,870 0 272,763
Microsoft Corp COM STK 594918104 35 535 SH   DFND   0 0 535
Mondelez Intl, Inc. COM STK 609207105 4,554 105,715 SH   SOLE   5,075 0 100,640
Mondelez Intl, Inc. COM STK 609207105 13 305 SH   DFND   0 0 305
Nextera Energy, Inc. COM STK 65339F101 732 5,700 SH   SOLE   0 0 5,700
Norfolk Southern Grp COM STK 655844108 1,405 12,550 SH   SOLE   0 0 12,550
One Communications Ltd. COM STK G67552102 71 27,247 SH   SOLE   0 0 27,247
Oracle Corp COM STK 68389X105 1,608 36,038 SH   SOLE   0 0 36,038
PNC Financial Services Group COM STK 693475105 506 4,210 SH   SOLE   0 0 4,210
Paccar Inc. COM STK 693718108 1,794 26,700 SH   SOLE   0 0 26,700
Pepsico, Inc. COM STK 713448108 1,082 9,677 SH   SOLE   0 0 9,677
Pfizer, Inc. COM STK 717081103 1,668 48,760 SH   SOLE   0 0 48,760
Pfizer, Inc. COM STK 717081103 27 801 SH   DFND   0 0 801
Pitney Bowes, Inc. COM STK 724479100 180 13,750 SH   SOLE   0 0 13,750
Procter & Gamble Co COM STK 742718109 23,779 264,652 SH   SOLE   9,336 0 255,316
Procter & Gamble Co COM STK 742718109 27 295 SH   DFND   0 0 295
Qualcomm Inc COM STK 747525103 11,522 200,946 SH   SOLE   7,730 0 193,216
Qualcomm Inc COM STK 747525103 38 655 SH   DFND   0 0 655
Royal Dutch Shell A COM STK 780259206 581 11,010 SH   SOLE   0 0 11,010
S A P Aktiengesell ADR COM STK 803054204 236 2,400 SH   SOLE   0 0 2,400
SJW Corporation COM STK 784305104 294 6,100 SH   SOLE   0 0 6,100
Schlumberger, Ltd. COM STK 806857108 11,852 151,752 SH   SOLE   6,062 0 145,690
Schlumberger, Ltd. COM STK 806857108 13 165 SH   DFND   0 0 165
Schwab US Large Cap ETF COM STK 808524201 223 3,961 SH   SOLE   0 0 3,961
Stryker Corp. COM STK 863667101 15,433 117,229 SH   SOLE   3,492 0 113,737
Stryker Corp. COM STK 863667101 20 150 SH   DFND   0 0 150
T J X Cos Inc COM STK 872540109 248 3,130 SH   SOLE   0 0 3,130
US Bancorp COM STK 902973304 675 13,100 SH   SOLE   0 0 13,100
Unilever NV COM STK 904784709 585 11,781 SH   SOLE   0 0 11,781
Union Pacific Corp COM STK 907818108 7,558 71,359 SH   SOLE   960 0 70,399
Union Pacific Corp COM STK 907818108 6 60 SH   DFND   0 0 60
United Parcel Service COM STK 911312106 7,842 73,089 SH   SOLE   2,515 0 70,574
United Parcel Service COM STK 911312106 13 120 SH   DFND   0 0 120
United Techs Corp COM STK 913017109 1,033 9,205 SH   SOLE   0 0 9,205
UnitedHealth Group, Inc. COM STK 91324P102 480 2,925 SH   SOLE   0 0 2,925
V F Corp COM STK 918204108 9,228 167,864 SH   SOLE   7,770 0 160,094
V F Corp COM STK 918204108 18 320 SH   DFND   0 0 320
Vanguard Total Stock Market COM STK 922908769 261 2,154 SH   SOLE   0 0 2,154
Vanguard Total Stock Market COM STK 922908769 24 200 SH   DFND   0 0 200
Verizon Communications COM STK 92343V104 391 8,027 SH   SOLE   0 0 8,027
Verizon Communications COM STK 92343V104 6 114 SH   DFND   0 0 114
Visa, Inc. COM STK 9286C8394 515 5,800 SH   SOLE   0 0 5,800
Wal Mart Stores, Inc. COM STK 931142103 523 7,252 SH   SOLE   0 0 7,252
Walgreens Boots Alliance COM STK 931427108 336 4,050 SH   SOLE   0 0 4,050
Wells Fargo & Co. COM STK 949746101 14,902 267,733 SH   SOLE   7,550 0 260,183
Wells Fargo & Co. COM STK 949746101 35 625 SH   DFND   0 0 625
WestAmerica Bancorp COM STK 957090103 257 4,600 SH   SOLE   0 0 4,600
Xcel Energy, Inc. COM STK 98389B100 23,232 522,654 SH   SOLE   23,260 0 499,394
Xcel Energy, Inc. COM STK 98389B100 18 410 SH   DFND   0 0 410