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 22,926 116,542 SH   SOLE   3,093 0 113,449
3M Company COM STK 88579y101 44 225 SH   DFND   0 0 225
AFLAC, Inc. COM STK 001055102 837 19,456 SH   SOLE   0 0 19,456
AFLAC, Inc. COM STK 001055102 6 150 SH   DFND   0 0 150
AT & T, Inc. COM STK 00206r102 14,512 451,934 SH   SOLE   13,175 0 438,759
AT & T, Inc. COM STK 00206r102 95 2,947 SH   DFND   0 0 2,947
AbbVie, Inc. COM STK 00287Y109 1,430 15,430 SH   SOLE   0 0 15,430
AbbVie, Inc. COM STK 00287Y109 13 139 SH   DFND   0 0 139
Abbott Laboratories COM STK 002824100 16,917 277,374 SH   SOLE   7,715 0 269,659
Abbott Laboratories COM STK 002824100 43 709 SH   DFND   0 0 709
Aetna Inc. COM STK 00817y108 734 4,000 SH   SOLE   0 0 4,000
Alphabet Inc. Class A COM STK 02079K305 705 624 SH   SOLE   0 0 624
Alphabet Inc. Class A COM STK 02079K305 45 40 SH   DFND   0 0 40
Alphabet Inc. Class C COM STK 02079K107 717 643 SH   SOLE   0 0 643
Alphabet Inc. Class C COM STK 02079K107 45 40 SH   DFND   0 0 40
American Express COM STK 025816109 755 7,700 SH   SOLE   0 0 7,700
American Funds Balanced Fd COM STK 024071409 350 12,898 SH   SOLE   0 0 12,898
American Funds Balanced Fd COM STK 024071409 79 2,920 SH   DFND   0 0 2,920
American Growth Fd of America COM STK 399874106 1,114 20,631 SH   SOLE   0 0 20,631
Ameriprise Financial, Inc. COM STK 03076C106 482 3,448 SH   SOLE   0 0 3,448
Amgen, Inc. COM STK 031162100 1,280 6,936 SH   SOLE   0 0 6,936
Amgen, Inc. COM STK 031162100 406 2,200 SH   DFND   0 0 2,200
Anadarko Pete, Inc. COM STK 032511107 426 5,818 SH   SOLE   0 0 5,818
Analog Devices, Inc. COM STK 032654105 283 2,950 SH   SOLE   0 0 2,950
Apple Computer, Inc. COM STK 037833100 15,947 86,147 SH   SOLE   2,170 0 83,977
Apple Computer, Inc. COM STK 037833100 169 913 SH   DFND   0 0 913
Aptar Group, Inc. COM STK 038336103 224 2,400 SH   DFND   0 0 2,400
Automatic Data Processing COM STK 053015103 20,777 154,888 SH   SOLE   3,990 0 150,898
Automatic Data Processing COM STK 053015103 34 255 SH   DFND   0 0 255
Bank of New York Mellon Corp COM STK 064058100 13,371 247,934 SH   SOLE   7,820 0 240,114
Bank of New York Mellon Corp COM STK 064058100 22 400 SH   DFND   0 0 400
Bemis Co., Inc. COM STK 081437105 2,665 63,141 SH   SOLE   3,000 0 60,141
Bemis Co., Inc. COM STK 081437105 6 150 SH   DFND   0 0 150
Berkshire Hathaway Cl A (1/100 COM STK 084990175 564 200 SH   SOLE   0 0 200
Berkshire Hathaway Cl B COM STK 084670702 1,044 5,594 SH   SOLE   0 0 5,594
Bio-Rad Labs, Inc. COM STK 090572207 712 2,468 SH   SOLE   0 0 2,468
Blackrock, Inc. COM STK 09247X101 267 535 SH   SOLE   0 0 535
Boeing Company COM STK 097023105 805 2,400 SH   SOLE   0 0 2,400
Bristol-Myers Squibb Co. COM STK 110122108 1,150 20,776 SH   SOLE   0 0 20,776
Carnival Corp COM STK 143658300 9,580 167,159 SH   SOLE   5,215 0 161,944
Carnival Corp COM STK 143658300 26 455 SH   DFND   0 0 455
Caterpillar, Inc. COM STK 149123101 404 2,977 SH   SOLE   0 0 2,977
Caterpillar, Inc. COM STK 149123101 14 100 SH   DFND   0 0 100
Chevron Corporation COM STK 166764100 17,665 139,722 SH   SOLE   3,945 0 135,777
Chevron Corporation COM STK 166764100 198 1,565 SH   DFND   0 0 1,565
Cisco Systems, Inc. COM STK 17275R102 4,051 94,143 SH   SOLE   2,545 0 91,598
Cisco Systems, Inc. COM STK 17275R102 26 610 SH   DFND   0 0 610
Clorox Company COM STK 189054109 5,057 37,390 SH   SOLE   0 0 37,390
Clorox Company COM STK 189054109 415 3,067 SH   DFND   0 0 3,067
Coca Cola Co COM STK 191216100 18,721 426,825 SH   SOLE   12,110 0 414,715
Coca Cola Co COM STK 191216100 44 1,007 SH   DFND   0 0 1,007
Colgate Palmolive COM STK 194162103 8,793 135,679 SH   SOLE   3,890 0 131,789
Colgate Palmolive COM STK 194162103 28 425 SH   DFND   0 0 425
Deere & Co. COM STK 244199105 477 3,410 SH   SOLE   0 0 3,410
Disney Company, Walt COM STK 254687106 937 8,944 SH   SOLE   0 0 8,944
Dover Corp. COM STK 260003108 414 5,650 SH   SOLE   0 0 5,650
DowDuPont COM STK 26078J100 15,552 235,923 SH   SOLE   7,737 0 228,186
DowDuPont COM STK 26078J100 35 530 SH   DFND   0 0 530
Edison Intl Corp COM STK 281020107 418 6,600 SH   SOLE   0 0 6,600
Edison Intl Corp COM STK 281020107 6 100 SH   DFND   0 0 100
Eli Lilly Co COM STK 532457108 890 10,431 SH   SOLE   0 0 10,431
Expeditors Int'l of Washington COM STK 302130109 366 5,000 SH   SOLE   0 0 5,000
Exxon Mobil Corp COM STK 30231G102 11,815 142,820 SH   SOLE   3,000 0 139,820
Exxon Mobil Corp COM STK 30231G102 26 320 SH   DFND   0 0 320
General Electric COM STK 369604103 12,157 893,218 SH   SOLE   26,225 0 866,993
General Electric COM STK 369604103 23 1,666 SH   DFND   0 0 1,666
General Mills COM STK 370334104 266 6,010 SH   SOLE   0 0 6,010
Grainger, W.W., Inc. COM STK 384802104 1,722 5,585 SH   SOLE   25 0 5,560
Grainger, W.W., Inc. COM STK 384802104 77 250 SH   DFND   0 0 250
Hanesbrands, Inc. COM STK 410345102 8,331 378,324 SH   SOLE   11,650 0 366,674
Hanesbrands, Inc. COM STK 410345102 27 1,240 SH   DFND   0 0 1,240
Home Depot, Inc. COM STK 437076102 20,989 107,582 SH   SOLE   3,365 0 104,217
Home Depot, Inc. COM STK 437076102 32 165 SH   DFND   0 0 165
Honeywell, Inc. COM STK 438516106 4,224 29,322 SH   SOLE   885 0 28,437
Honeywell, Inc. COM STK 438516106 4 25 SH   DFND   0 0 25
Intel Corp COM STK 458140100 22,703 456,711 SH   SOLE   12,300 0 444,411
Intel Corp COM STK 458140100 183 3,680 SH   DFND   0 0 3,680
Intl Business Machines Corp COM STK 459200101 10,836 77,568 SH   SOLE   2,083 0 75,485
Intl Business Machines Corp COM STK 459200101 5 35 SH   DFND   0 0 35
J P Morgan Chase & Co COM STK 46625H100 25,764 247,251 SH   SOLE   7,065 0 240,186
J P Morgan Chase & Co COM STK 46625H100 90 868 SH   DFND   0 0 868
Johnson & Johnson COM STK 478160104 25,000 206,033 SH   SOLE   5,980 0 200,053
Johnson & Johnson COM STK 478160104 44 360 SH   DFND   0 0 360
Lincoln National Corp COM STK 534187109 246 3,950 SH   SOLE   0 0 3,950
Lincoln National Corp COM STK 534187109 25 400 SH   DFND   0 0 400
Lockheed Martin Corp COM STK 539830109 222 750 SH   SOLE   0 0 750
Marsh & McLennan, Inc. COM STK 571748102 398 4,850 SH   SOLE   0 0 4,850
McDonald's Corp COM STK 580135101 1,281 8,177 SH   SOLE   100 0 8,077
McGrath Rent Corp COM STK 580589109 785 12,400 SH   SOLE   0 0 12,400
McKesson HBOC Corp. COM STK 58155Q103 267 2,000 SH   SOLE   0 0 2,000
Merck & Co, Inc. COM STK 58933Y105 460 7,580 SH   SOLE   0 0 7,580
Microsoft Corp COM STK 594918104 23,236 235,634 SH   SOLE   6,995 0 228,639
Microsoft Corp COM STK 594918104 66 670 SH   DFND   0 0 670
Mondelez Intl, Inc. COM STK 609207105 7,190 175,366 SH   SOLE   5,345 0 170,021
Mondelez Intl, Inc. COM STK 609207105 17 405 SH   DFND   0 0 405
NIKE, Inc. COM STK 654106103 241 3,021 SH   SOLE   0 0 3,021
Nextera Energy, Inc. COM STK 65339F101 534 3,200 SH   SOLE   0 0 3,200
Norfolk Southern Grp COM STK 655844108 1,049 6,950 SH   SOLE   0 0 6,950
Oracle Corp COM STK 68389X105 1,548 35,140 SH   SOLE   0 0 35,140
PNC Financial Services Group COM STK 693475105 305 2,260 SH   SOLE   0 0 2,260
Paccar Inc. COM STK 693718108 1,654 26,700 SH   SOLE   0 0 26,700
Pepsico, Inc. COM STK 713448108 802 7,365 SH   SOLE   0 0 7,365
Pfizer, Inc. COM STK 717081103 1,597 44,013 SH   SOLE   0 0 44,013
Pfizer, Inc. COM STK 717081103 29 801 SH   DFND   0 0 801
Procter & Gamble Co COM STK 742718109 19,477 249,515 SH   SOLE   7,066 0 242,449
Procter & Gamble Co COM STK 742718109 25 320 SH   DFND   0 0 320
Qualcomm Inc COM STK 747525103 1,005 17,900 SH   SOLE   0 0 17,900
Royal Dutch Shell A COM STK 780259206 638 9,210 SH   SOLE   0 0 9,210
S E I Investments, Co. COM STK 784117103 200 3,200 SH   SOLE   0 0 3,200
SJW Corporation COM STK 784305104 338 5,100 SH   SOLE   0 0 5,100
Schlumberger, Ltd. COM STK 806857108 9,721 145,030 SH   SOLE   4,472 0 140,558
Schlumberger, Ltd. COM STK 806857108 11 165 SH   DFND   0 0 165
Schwab US Large Cap ETF COM STK 808524201 275 4,228 SH   SOLE   0 0 4,228
Stryker Corp. COM STK 863667101 16,249 96,229 SH   SOLE   2,050 0 94,179
Stryker Corp. COM STK 863667101 33 198 SH   DFND   0 0 198
T J X Cos Inc COM STK 872540109 222 2,330 SH   SOLE   0 0 2,330
T. Rowe Price Assoc. COM STK 74144T108 262 2,261 SH   SOLE   0 0 2,261
Texas Instruments COM STK 882508104 8,561 77,649 SH   SOLE   2,485 0 75,164
Texas Instruments COM STK 882508104 20 180 SH   DFND   0 0 180
US Bancorp COM STK 902973304 563 11,250 SH   SOLE   0 0 11,250
Unilever NV COM STK 904784709 601 10,781 SH   SOLE   0 0 10,781
Union Pacific Corp COM STK 907818108 6,739 47,562 SH   SOLE   400 0 47,162
United Parcel Service COM STK 911312106 9,649 90,832 SH   SOLE   2,650 0 88,182
United Parcel Service COM STK 911312106 23 220 SH   DFND   0 0 220
United Techs Corp COM STK 913017109 748 5,985 SH   SOLE   0 0 5,985
UnitedHealth Group, Inc. COM STK 91324P102 4,889 19,929 SH   SOLE   660 0 19,269
UnitedHealth Group, Inc. COM STK 91324P102 2 10 SH   DFND   0 0 10
V F Corp COM STK 918204108 13,537 166,058 SH   SOLE   5,645 0 160,413
V F Corp COM STK 918204108 31 385 SH   DFND   0 0 385
Vanguard Total Stock Market COM STK 922908769 281 2,000 SH   SOLE   0 0 2,000
Vanguard Total Stock Market COM STK 922908769 28 200 SH   DFND   0 0 200
Verizon Communications COM STK 92343V104 327 6,498 SH   SOLE   0 0 6,498
Verizon Communications COM STK 92343V104 6 114 SH   DFND   0 0 114
Visa, Inc. COM STK 9286C8394 434 3,280 SH   SOLE   0 0 3,280
Wal Mart Stores, Inc. COM STK 931142103 321 3,752 SH   SOLE   0 0 3,752
Wells Fargo & Co. COM STK 949746101 14,114 254,578 SH   SOLE   4,350 0 250,228
Wells Fargo & Co. COM STK 949746101 30 550 SH   DFND   0 0 550
WestAmerica Bancorp COM STK 957090103 260 4,600 SH   SOLE   0 0 4,600
Xcel Energy, Inc. COM STK 98389B100 21,838 478,071 SH   SOLE   16,200 0 461,871
Xcel Energy, Inc. COM STK 98389B100 36 785 SH   DFND   0 0 785