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 27,366 130,375 SH   SOLE   4,218 0 126,157
3M Company COM STK 88579y101 47 225 SH   DFND   0 0 225
ABB, Ltd. COM STK 000375204 248 10,000 SH   SOLE   0 0 10,000
ABB, Ltd. COM STK 000375204 2 80 SH   DFND   0 0 80
AFLAC, Inc. COM STK 001055102 1,105 13,578 SH   SOLE   0 0 13,578
AFLAC, Inc. COM STK 001055102 6 75 SH   DFND   0 0 75
AT & T, Inc. New COM STK 00206r102 18,928 483,233 SH   SOLE   16,915 0 466,318
AT & T, Inc. New COM STK 00206r102 115 2,947 SH   DFND   0 0 2,947
AbbVie, Inc. COM STK 00287Y109 1,370 15,415 SH   SOLE   0 0 15,415
AbbVie, Inc. COM STK 00287Y109 12 139 SH   DFND   0 0 139
Abbott Laboratories COM STK 002824100 16,121 302,117 SH   SOLE   10,873 0 291,244
Abbott Laboratories COM STK 002824100 38 709 SH   DFND   0 0 709
Aetna Inc. COM STK 00817y108 787 4,950 SH   SOLE   0 0 4,950
Alphabet Inc. Class A COM STK 02079K305 608 624 SH   SOLE   0 0 624
Alphabet Inc. Class A COM STK 02079K305 39 40 SH   DFND   0 0 40
Alphabet Inc. Class C COM STK 02079K107 617 643 SH   SOLE   0 0 643
Alphabet Inc. Class C COM STK 02079K107 38 40 SH   DFND   0 0 40
American Express COM STK 025816109 778 8,600 SH   SOLE   0 0 8,600
American Funds American Balanc COM STK 024071409 295 10,934 SH   SOLE   0 0 10,934
American Funds American Balanc COM STK 024071409 5 168 SH   DFND   0 0 168
American Growth Fd of America COM STK 399874106 1,033 20,834 SH   SOLE   0 0 20,834
Ameriprise Financial, Inc. COM STK 03076C106 557 3,748 SH   SOLE   0 0 3,748
Amgen, Inc. COM STK 031162100 1,740 9,331 SH   SOLE   0 0 9,331
Amgen, Inc. COM STK 031162100 447 2,400 SH   DFND   0 0 2,400
Anadarko Pete, Inc. COM STK 032511107 284 5,818 SH   SOLE   0 0 5,818
Analog Devices, Inc. COM STK 032654105 254 2,950 SH   SOLE   0 0 2,950
Apple Computer, Inc. COM STK 037833100 13,647 88,550 SH   SOLE   2,870 0 85,680
Apple Computer, Inc. COM STK 037833100 120 778 SH   DFND   0 0 778
Aptar Group, Inc. COM STK 038336103 207 2,400 SH   DFND   0 0 2,400
Automatic Data Processing COM STK 053015103 17,547 160,513 SH   SOLE   5,540 0 154,973
Automatic Data Processing COM STK 053015103 26 240 SH   DFND   0 0 240
Bank of New York Mellon Corp COM STK 064058100 13,437 253,435 SH   SOLE   10,820 0 242,615
Bank of New York Mellon Corp COM STK 064058100 19 350 SH   DFND   0 0 350
Bemis Co., Inc. COM STK 081437105 10,837 237,808 SH   SOLE   9,250 0 228,558
Bemis Co., Inc. COM STK 081437105 21 457 SH   DFND   0 0 457
Berkshire Hathaway Cl A (1/100 COM STK 084990175 549 200 SH   SOLE   0 0 200
Berkshire Hathaway Cl B COM STK 084670702 1,055 5,754 SH   SOLE   0 0 5,754
Bio-Rad Labs, Inc. COM STK 090572207 593 2,668 SH   SOLE   0 0 2,668
Blackrock, Inc. COM STK 09247X101 239 535 SH   SOLE   0 0 535
Boeing Company COM STK 097023105 674 2,650 SH   SOLE   0 0 2,650
Bristol-Myers Squibb Co. COM STK 110122108 1,318 20,681 SH   SOLE   0 0 20,681
Bristol-Myers Squibb Co. COM STK 110122108 6 100 SH   DFND   0 0 100
Carnival Corp COM STK 143658300 8,902 137,866 SH   SOLE   5,240 0 132,626
Carnival Corp COM STK 143658300 28 435 SH   DFND   0 0 435
Caterpillar, Inc. COM STK 149123101 406 3,259 SH   SOLE   0 0 3,259
Caterpillar, Inc. COM STK 149123101 25 200 SH   DFND   0 0 200
Celgene Corporation COM STK 151020104 283 1,940 SH   SOLE   0 0 1,940
Chevron Corporation COM STK 166764100 16,667 141,845 SH   SOLE   4,975 0 136,870
Chevron Corporation COM STK 166764100 184 1,565 SH   DFND   0 0 1,565
Cisco Systems, Inc. COM STK 17275R102 357 10,604 SH   SOLE   0 0 10,604
Cisco Systems, Inc. COM STK 17275R102 17 500 SH   DFND   0 0 500
Clorox Company COM STK 189054109 4,932 37,390 SH   SOLE   0 0 37,390
Clorox Company COM STK 189054109 405 3,067 SH   DFND   0 0 3,067
Coca Cola Co COM STK 191216100 19,772 439,272 SH   SOLE   15,805 0 423,467
Coca Cola Co COM STK 191216100 45 1,007 SH   DFND   0 0 1,007
Colgate Palmolive COM STK 194162103 8,856 121,559 SH   SOLE   4,500 0 117,059
Colgate Palmolive COM STK 194162103 22 300 SH   DFND   0 0 300
Deere & Co. COM STK 244199105 428 3,410 SH   SOLE   0 0 3,410
Disney Company, Walt COM STK 254687106 940 9,536 SH   SOLE   0 0 9,536
Dominion Res, Inc. COM STK 25746U109 254 3,298 SH   SOLE   0 0 3,298
Dover Corp. COM STK 260003108 571 6,250 SH   SOLE   0 0 6,250
DowDuPont COM STK 26078J100 18,842 272,168 SH   SOLE   9,788 0 262,380
DowDuPont COM STK 26078J100 41 588 SH   DFND   0 0 588
Edison Intl Corp COM STK 281020107 556 7,200 SH   SOLE   0 0 7,200
Edison Intl Corp COM STK 281020107 8 100 SH   DFND   0 0 100
Eli Lilly Co COM STK 532457108 961 11,231 SH   SOLE   0 0 11,231
Emerson Elec. Co COM STK 291011104 207 3,300 SH   SOLE   0 0 3,300
Expeditors Int'l of Washington COM STK 302130109 299 5,000 SH   SOLE   0 0 5,000
Exxon Mobil Corp COM STK 30231G102 12,986 158,403 SH   SOLE   4,950 0 153,453
Exxon Mobil Corp COM STK 30231G102 27 335 SH   DFND   0 0 335
General Electric COM STK 369604103 23,112 955,850 SH   SOLE   33,275 0 922,575
General Electric COM STK 369604103 49 2,016 SH   DFND   0 0 2,016
General Mills COM STK 370334104 383 7,400 SH   SOLE   0 0 7,400
Grainger, W.W., Inc. COM STK 384802104 1,225 6,815 SH   SOLE   25 0 6,790
Grainger, W.W., Inc. COM STK 384802104 45 250 SH   DFND   0 0 250
Hanesbrands, Inc. COM STK 410345102 5,180 210,212 SH   SOLE   7,825 0 202,387
Hanesbrands, Inc. COM STK 410345102 12 480 SH   DFND   0 0 480
Home Depot, Inc. COM STK 437076102 20,572 125,775 SH   SOLE   4,925 0 120,850
Home Depot, Inc. COM STK 437076102 26 160 SH   DFND   0 0 160
Honeywell, Inc. COM STK 438516106 320 2,260 SH   SOLE   0 0 2,260
Intel Corp COM STK 458140100 20,724 544,235 SH   SOLE   19,950 0 524,285
Intel Corp COM STK 458140100 176 4,630 SH   DFND   0 0 4,630
Intl Business Machines Corp COM STK 459200101 11,534 79,504 SH   SOLE   2,683 0 76,821
Intl Business Machines Corp COM STK 459200101 4 25 SH   DFND   0 0 25
J P Morgan Chase & Co COM STK 46625H100 28,113 294,342 SH   SOLE   10,495 0 283,847
J P Morgan Chase & Co COM STK 46625H100 88 918 SH   DFND   0 0 918
Johnson & Johnson COM STK 478160104 29,434 226,401 SH   SOLE   8,094 0 218,307
Johnson & Johnson COM STK 478160104 50 385 SH   DFND   0 0 385
Lincoln National Corp COM STK 534187109 312 4,250 SH   SOLE   0 0 4,250
Lincoln National Corp COM STK 534187109 29 400 SH   DFND   0 0 400
Lockheed Martin Corp COM STK 539830109 233 750 SH   SOLE   0 0 750
Marsh & McLennan, Inc. COM STK 571748102 687 8,200 SH   SOLE   0 0 8,200
McDonald's Corp COM STK 580135101 1,321 8,434 SH   SOLE   100 0 8,334
McGrath Rent Corp COM STK 580589109 578 13,200 SH   SOLE   0 0 13,200
McKesson HBOC Corp. COM STK 58155Q103 538 3,500 SH   SOLE   0 0 3,500
Merck & Co, Inc. COM STK 58933Y105 491 7,669 SH   SOLE   0 0 7,669
Microsoft Corp COM STK 594918104 19,667 264,020 SH   SOLE   10,495 0 253,525
Microsoft Corp COM STK 594918104 48 650 SH   DFND   0 0 650
Mondelez Intl, Inc. COM STK 609207105 5,083 125,015 SH   SOLE   5,570 0 119,445
Mondelez Intl, Inc. COM STK 609207105 14 355 SH   DFND   0 0 355
Nextera Energy, Inc. COM STK 65339F101 498 3,400 SH   SOLE   0 0 3,400
Norfolk Southern Grp COM STK 655844108 1,210 9,150 SH   SOLE   0 0 9,150
Oracle Corp COM STK 68389X105 1,733 35,838 SH   SOLE   0 0 35,838
PNC Financial Services Group COM STK 693475105 567 4,210 SH   SOLE   0 0 4,210
Paccar Inc. COM STK 693718108 1,931 26,700 SH   SOLE   0 0 26,700
Pepsico, Inc. COM STK 713448108 1,039 9,327 SH   SOLE   0 0 9,327
Pfizer, Inc. COM STK 717081103 1,644 46,063 SH   SOLE   0 0 46,063
Pfizer, Inc. COM STK 717081103 29 801 SH   DFND   0 0 801
Pitney Bowes, Inc. COM STK 724479100 153 10,900 SH   SOLE   0 0 10,900
Procter & Gamble Co COM STK 742718109 23,399 257,185 SH   SOLE   9,296 0 247,889
Procter & Gamble Co COM STK 742718109 35 380 SH   DFND   0 0 380
Qualcomm Inc COM STK 747525103 8,519 164,325 SH   SOLE   6,145 0 158,180
Qualcomm Inc COM STK 747525103 31 605 SH   DFND   0 0 605
Rockwool International Series COM STK K8254S136 265 1,061 SH   SOLE   0 0 1,061
Royal Dutch Shell A COM STK 780259206 643 10,610 SH   SOLE   0 0 10,610
S A P Aktiengesell ADR COM STK 803054204 230 2,100 SH   SOLE   0 0 2,100
SJW Corporation COM STK 784305104 345 6,100 SH   SOLE   0 0 6,100
Schlumberger, Ltd. COM STK 806857108 10,730 153,811 SH   SOLE   6,172 0 147,639
Schlumberger, Ltd. COM STK 806857108 13 185 SH   DFND   0 0 185
Schwab Charles Corp COM STK 808513105 268 6,130 SH   SOLE   0 0 6,130
Schwab US Large Cap ETF COM STK 808524201 249 4,144 SH   SOLE   0 0 4,144
Stryker Corp. COM STK 863667101 15,567 109,610 SH   SOLE   3,002 0 106,608
Stryker Corp. COM STK 863667101 27 190 SH   DFND   0 0 190
T J X Cos Inc COM STK 872540109 209 2,830 SH   SOLE   0 0 2,830
T. Rowe Price Assoc. COM STK 74144T108 201 2,217 SH   SOLE   0 0 2,217
Texas Instruments COM STK 882508104 4,373 48,783 SH   SOLE   2,295 0 46,488
Texas Instruments COM STK 882508104 6 70 SH   DFND   0 0 70
US Bancorp COM STK 902973304 686 12,800 SH   SOLE   0 0 12,800
Unilever NV COM STK 904784709 696 11,781 SH   SOLE   0 0 11,781
Union Pacific Corp COM STK 907818108 7,327 63,183 SH   SOLE   900 0 62,283
Union Pacific Corp COM STK 907818108 7 60 SH   DFND   0 0 60
United Parcel Service COM STK 911312106 11,473 95,539 SH   SOLE   3,050 0 92,489
United Parcel Service COM STK 911312106 26 220 SH   DFND   0 0 220
United Techs Corp COM STK 913017109 1,014 8,735 SH   SOLE   0 0 8,735
UnitedHealth Group, Inc. COM STK 91324P102 552 2,820 SH   SOLE   0 0 2,820
V F Corp COM STK 918204108 11,363 178,742 SH   SOLE   8,045 0 170,697
V F Corp COM STK 918204108 29 460 SH   DFND   0 0 460
Vanguard Total Stock Market COM STK 922908769 279 2,154 SH   SOLE   0 0 2,154
Vanguard Total Stock Market COM STK 922908769 26 200 SH   DFND   0 0 200
Verizon Communications COM STK 92343V104 364 7,365 SH   SOLE   0 0 7,365
Verizon Communications COM STK 92343V104 6 114 SH   DFND   0 0 114
Visa, Inc. COM STK 9286C8394 585 5,560 SH   SOLE   0 0 5,560
Wal Mart Stores, Inc. COM STK 931142103 371 4,752 SH   SOLE   0 0 4,752
Walgreens Boots Alliance COM STK 931427108 301 3,900 SH   SOLE   0 0 3,900
Wells Fargo & Co. COM STK 949746101 14,825 268,821 SH   SOLE   7,650 0 261,171
Wells Fargo & Co. COM STK 949746101 40 730 SH   DFND   0 0 730
WestAmerica Bancorp COM STK 957090103 274 4,600 SH   SOLE   0 0 4,600
Xcel Energy, Inc. COM STK 98389B100 23,454 495,639 SH   SOLE   21,210 0 474,429
Xcel Energy, Inc. COM STK 98389B100 28 585 SH   DFND   0 0 585