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 19,268 117,200 SH   SOLE   3,043 0 114,157
3M Company COM STK 88579y101 22 135 SH   DFND   0 0 135
AFLAC, Inc. COM STK 001055102 814 15,556 SH   SOLE   0 0 15,556
AFLAC, Inc. COM STK 001055102 8 150 SH   DFND   0 0 150
AT & T, Inc. COM STK 00206r102 17,242 455,646 SH   SOLE   13,675 0 441,971
AT & T, Inc. COM STK 00206r102 107 2,817 SH   DFND   0 0 2,817
AbbVie, Inc. COM STK 00287Y109 1,095 14,465 SH   SOLE   0 0 14,465
AbbVie, Inc. COM STK 00287Y109 11 139 SH   DFND   0 0 139
Abbott Laboratories COM STK 002824100 22,153 264,763 SH   SOLE   7,015 0 257,748
Abbott Laboratories COM STK 002824100 43 514 SH   DFND   0 0 514
Accenture Ltd COM STK G1151C101 202 1,050 SH   SOLE   0 0 1,050
Allstate Corp. COM STK 020002101 211 1,944 SH   SOLE   0 0 1,944
Alphabet Inc. Class A COM STK 02079K305 762 624 SH   SOLE   0 0 624
Alphabet Inc. Class A COM STK 02079K305 49 40 SH   DFND   0 0 40
Alphabet Inc. Class C COM STK 02079K107 784 643 SH   SOLE   0 0 643
Alphabet Inc. Class C COM STK 02079K107 49 40 SH   DFND   0 0 40
Amcor plc COM STK g0250x107 1,052 107,888 SH   SOLE   3,295 0 104,593
Amcor plc COM STK g0250x107 5 510 SH   DFND   0 0 510
American Express COM STK 025816109 942 7,961 SH   SOLE   0 0 7,961
American Funds Balanced Fd COM STK 024071409 414 14,995 SH   SOLE   0 0 14,995
American Funds Balanced Fd COM STK 024071409 126 4,557 SH   DFND   0 0 4,557
American Growth Fd of America COM STK 399874106 1,016 20,631 SH   SOLE   0 0 20,631
American Water Works COM STK 030420103 242 1,950 SH   SOLE   0 0 1,950
Ameriprise Financial, Inc. COM STK 03076C106 490 3,330 SH   SOLE   0 0 3,330
Amgen, Inc. COM STK 031162100 2,208 11,412 SH   SOLE   0 0 11,412
Amgen, Inc. COM STK 031162100 387 2,000 SH   DFND   0 0 2,000
Analog Devices, Inc. COM STK 032654105 274 2,450 SH   SOLE   0 0 2,450
Apple Computer, Inc. COM STK 037833100 19,926 88,966 SH   SOLE   2,165 0 86,801
Apple Computer, Inc. COM STK 037833100 139 620 SH   DFND   0 0 620
Aptar Group, Inc. COM STK 038336103 284 2,400 SH   DFND   0 0 2,400
Automatic Data Processing COM STK 053015103 22,043 136,555 SH   SOLE   3,295 0 133,260
Automatic Data Processing COM STK 053015103 27 165 SH   DFND   0 0 165
Bank of New York Mellon Corp COM STK 064058100 13,006 287,671 SH   SOLE   9,220 0 278,451
Bank of New York Mellon Corp COM STK 064058100 15 330 SH   DFND   0 0 330
Berkshire Hathaway Cl A (1/100 COM STK 084990175 624 200 SH   SOLE   0 0 200
Berkshire Hathaway Cl B COM STK 084670702 1,124 5,404 SH   SOLE   0 0 5,404
Bio-Rad Labs, Inc. COM STK 090572207 732 2,200 SH   SOLE   0 0 2,200
Boeing Company COM STK 097023105 809 2,125 SH   SOLE   0 0 2,125
Bristol-Myers Squibb Co. COM STK 110122108 1,003 19,785 SH   SOLE   0 0 19,785
California Water Services COM STK 130788102 212 4,000 SH   SOLE   0 0 4,000
Carnival Corp COM STK 143658300 11,067 253,197 SH   SOLE   7,295 0 245,902
Carnival Corp COM STK 143658300 17 400 SH   DFND   0 0 400
Caterpillar, Inc. COM STK 149123101 314 2,482 SH   SOLE   0 0 2,482
Caterpillar, Inc. COM STK 149123101 13 100 SH   DFND   0 0 100
Chevron Corporation COM STK 166764100 15,458 130,337 SH   SOLE   3,805 0 126,532
Chevron Corporation COM STK 166764100 66 555 SH   DFND   0 0 555
Cisco Systems, Inc. COM STK 17275R102 13,910 281,522 SH   SOLE   8,370 0 273,152
Cisco Systems, Inc. COM STK 17275R102 42 855 SH   DFND   0 0 855
Clorox Company COM STK 189054109 5,678 37,390 SH   SOLE   0 0 37,390
Clorox Company COM STK 189054109 405 2,667 SH   DFND   0 0 2,667
Coca Cola Co COM STK 191216100 22,902 420,687 SH   SOLE   11,845 0 408,842
Coca Cola Co COM STK 191216100 46 842 SH   DFND   0 0 842
Colgate Palmolive COM STK 194162103 11,418 155,330 SH   SOLE   4,140 0 151,190
Colgate Palmolive COM STK 194162103 24 325 SH   DFND   0 0 325
Corteva Inc COM STK 22052L104 248 8,867 SH   SOLE   0 0 8,867
Deere & Co. COM STK 244199105 272 1,610 SH   SOLE   0 0 1,610
Dominion Res, Inc. COM STK 25746U109 219 2,698 SH   SOLE   0 0 2,698
Dover Corp. COM STK 260003108 533 5,350 SH   SOLE   0 0 5,350
Dow, Inc COM STK 260557103 228 4,787 SH   SOLE   0 0 4,787
DuPont COM STK 26614N102 5,932 83,186 SH   SOLE   3,087 0 80,099
DuPont COM STK 26614N102 3 42 SH   DFND   0 0 42
Edison Intl Corp COM STK 281020107 302 4,000 SH   SOLE   0 0 4,000
Eli Lilly Co COM STK 532457108 834 7,456 SH   SOLE   0 0 7,456
Essex Property Trust Inc. COM STK 297178105 229 700 SH   SOLE   0 0 700
Expeditors Int'l of Washington COM STK 302130109 371 5,000 SH   SOLE   0 0 5,000
Exxon Mobil Corp COM STK 30231G102 4,137 58,586 SH   SOLE   500 0 58,086
Exxon Mobil Corp COM STK 30231G102 13 190 SH   DFND   0 0 190
Fastenal Co. COM STK 311900104 203 6,200 SH   SOLE   0 0 6,200
Fidelity Puritan COM STK 316345107 237 10,730 SH   SOLE   0 0 10,730
General Electric COM STK 369604103 1,140 127,505 SH   SOLE   0 0 127,505
General Mills COM STK 370334104 320 5,810 SH   SOLE   0 0 5,810
Grainger, W.W., Inc. COM STK 384802104 1,184 3,985 SH   SOLE   0 0 3,985
Hanesbrands, Inc. COM STK 410345102 8,354 545,290 SH   SOLE   16,850 0 528,440
Hanesbrands, Inc. COM STK 410345102 17 1,130 SH   DFND   0 0 1,130
Home Depot, Inc. COM STK 437076102 23,448 101,062 SH   SOLE   2,965 0 98,097
Home Depot, Inc. COM STK 437076102 21 90 SH   DFND   0 0 90
Honeywell, Inc. COM STK 438516106 16,185 95,656 SH   SOLE   2,805 0 92,851
Honeywell, Inc. COM STK 438516106 18 105 SH   DFND   0 0 105
IVA Worldwide Fund COM STK 45070A107 256 15,177 SH   SOLE   0 0 15,177
Intel Corp COM STK 458140100 21,544 418,078 SH   SOLE   11,065 0 407,013
Intel Corp COM STK 458140100 44 850 SH   DFND   0 0 850
Intl Business Machines Corp COM STK 459200101 3,786 26,034 SH   SOLE   450 0 25,584
J P Morgan Chase & Co COM STK 46625H100 28,744 244,235 SH   SOLE   6,810 0 237,425
J P Morgan Chase & Co COM STK 46625H100 84 713 SH   DFND   0 0 713
Johnson & Johnson COM STK 478160104 25,838 199,708 SH   SOLE   5,405 0 194,303
Johnson & Johnson COM STK 478160104 19 150 SH   DFND   0 0 150
Lockheed Martin Corp COM STK 539830109 328 841 SH   SOLE   0 0 841
McDonald's Corp COM STK 580135101 1,541 7,176 SH   SOLE   100 0 7,076
McGrath Rent Corp COM STK 580589109 779 11,200 SH   SOLE   0 0 11,200
Merck & Co, Inc. COM STK 58933Y105 630 7,484 SH   SOLE   0 0 7,484
Microsoft Corp COM STK 594918104 29,881 214,928 SH   SOLE   5,980 0 208,948
Microsoft Corp COM STK 594918104 86 615 SH   DFND   0 0 615
Mondelez Intl, Inc. COM STK 609207105 11,275 203,820 SH   SOLE   6,495 0 197,325
Mondelez Intl, Inc. COM STK 609207105 22 395 SH   DFND   0 0 395
NIKE, Inc. COM STK 654106103 279 2,972 SH   SOLE   0 0 2,972
Nextera Energy, Inc. COM STK 65339F101 681 2,924 SH   SOLE   0 0 2,924
Norfolk Southern Grp COM STK 655844108 710 3,950 SH   SOLE   0 0 3,950
Northern Global Sustainability COM STK 665130308 183 12,417 SH   SOLE   0 0 12,417
Oracle Corp COM STK 68389X105 1,857 33,740 SH   SOLE   0 0 33,740
Paccar Inc. COM STK 693718108 1,869 26,700 SH   SOLE   0 0 26,700
Pepsico, Inc. COM STK 713448108 944 6,888 SH   SOLE   0 0 6,888
Pfizer, Inc. COM STK 717081103 1,411 39,268 SH   SOLE   0 0 39,268
Pfizer, Inc. COM STK 717081103 29 801 SH   DFND   0 0 801
Procter & Gamble Co COM STK 742718109 25,029 201,233 SH   SOLE   5,550 0 195,683
Procter & Gamble Co COM STK 742718109 25 205 SH   DFND   0 0 205
Qualcomm Inc COM STK 747525103 1,297 17,000 SH   SOLE   0 0 17,000
Royal Dutch Shell A COM STK 780259206 321 5,460 SH   SOLE   0 0 5,460
Schlumberger, Ltd. COM STK 806857108 4,649 136,045 SH   SOLE   4,232 0 131,813
Schlumberger, Ltd. COM STK 806857108 4 130 SH   DFND   0 0 130
Schwab US Large Cap ETF COM STK 808524201 330 4,650 SH   SOLE   0 0 4,650
Sempra Energy COM STK 816851109 210 1,425 SH   SOLE   0 0 1,425
Starbucks, Inc. COM STK 855244109 216 2,444 SH   SOLE   0 0 2,444
Stryker Corp. COM STK 863667101 20,935 96,789 SH   SOLE   1,965 0 94,824
Stryker Corp. COM STK 863667101 30 138 SH   DFND   0 0 138
T. Rowe Price Assoc. COM STK 74144T108 258 2,261 SH   SOLE   0 0 2,261
Texas Instruments COM STK 882508104 15,058 116,510 SH   SOLE   3,585 0 112,925
Texas Instruments COM STK 882508104 24 185 SH   DFND   0 0 185
US Bancorp COM STK 902973304 566 10,225 SH   SOLE   0 0 10,225
Unilever NV COM STK 904784709 607 10,105 SH   SOLE   0 0 10,105
Union Pacific Corp COM STK 907818108 5,523 34,098 SH   SOLE   300 0 33,798
United Parcel Service COM STK 911312106 15,494 129,314 SH   SOLE   3,895 0 125,419
United Parcel Service COM STK 911312106 26 220 SH   DFND   0 0 220
United Techs Corp COM STK 913017109 753 5,515 SH   SOLE   0 0 5,515
UnitedHealth Group, Inc. COM STK 91324P102 8,408 38,692 SH   SOLE   1,010 0 37,682
UnitedHealth Group, Inc. COM STK 91324P102 9 41 SH   DFND   0 0 41
V F Corp COM STK 918204108 14,171 159,247 SH   SOLE   5,445 0 153,802
V F Corp COM STK 918204108 21 240 SH   DFND   0 0 240
Vanguard Stock Market Index COM STK 922908728 973 13,242 SH   SOLE   0 0 13,242
Vanguard Total Stock Market COM STK 922908769 302 2,000 SH   SOLE   0 0 2,000
Verizon Communications COM STK 92343V104 373 6,186 SH   SOLE   0 0 6,186
Verizon Communications COM STK 92343V104 7 114 SH   DFND   0 0 114
Visa, Inc. COM STK 9286C8394 581 3,376 SH   SOLE   0 0 3,376
Wal Mart Stores, Inc. COM STK 931142103 365 3,076 SH   SOLE   0 0 3,076
Walt Disney Company COM STK 254687106 5,434 41,697 SH   SOLE   1,225 0 40,472
Walt Disney Company COM STK 254687106 10 75 SH   DFND   0 0 75
Wells Fargo & Co. COM STK 949746101 13,472 267,092 SH   SOLE   4,650 0 262,442
Wells Fargo & Co. COM STK 949746101 21 420 SH   DFND   0 0 420
WestAmerica Bancorp COM STK 957090103 274 4,400 SH   SOLE   0 0 4,400
Xcel Energy, Inc. COM STK 98389B100 28,078 432,703 SH   SOLE   13,770 0 418,933
Xcel Energy, Inc. COM STK 98389B100 45 690 SH   DFND   0 0 690