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 20,129 114,099 SH   SOLE   3,043 0 111,056
3M Company COM STK 88579y101 24 135 SH   DFND   0 0 135
AFLAC, Inc. COM STK 001055102 801 15,148 SH   SOLE   0 0 15,148
AFLAC, Inc. COM STK 001055102 8 150 SH   DFND   0 0 150
AT & T, Inc. COM STK 00206r102 17,743 454,023 SH   SOLE   13,675 0 440,348
AT & T, Inc. COM STK 00206r102 83 2,117 SH   DFND   0 0 2,117
AbbVie, Inc. COM STK 00287Y109 1,281 14,465 SH   SOLE   0 0 14,465
AbbVie, Inc. COM STK 00287Y109 12 139 SH   DFND   0 0 139
Abbott Laboratories COM STK 002824100 22,912 263,784 SH   SOLE   7,015 0 256,769
Abbott Laboratories COM STK 002824100 45 514 SH   DFND   0 0 514
Accenture Ltd COM STK G1151C101 221 1,050 SH   SOLE   0 0 1,050
Allstate Corp. COM STK 020002101 219 1,944 SH   SOLE   0 0 1,944
Alphabet Inc. Class A COM STK 02079K305 698 521 SH   SOLE   0 0 521
Alphabet Inc. Class A COM STK 02079K305 54 40 SH   DFND   0 0 40
Alphabet Inc. Class C COM STK 02079K107 722 540 SH   SOLE   0 0 540
Alphabet Inc. Class C COM STK 02079K107 53 40 SH   DFND   0 0 40
Amazon.Com Inc. COM STK 023135106 242 131 SH   SOLE   0 0 131
Amcor plc COM STK g0250x107 1,103 101,722 SH   SOLE   3,295 0 98,427
Amcor plc COM STK g0250x107 6 510 SH   DFND   0 0 510
American Express COM STK 025816109 1,053 8,461 SH   SOLE   0 0 8,461
American Funds Balanced Fd COM STK 024071409 436 15,317 SH   SOLE   0 0 15,317
American Funds Balanced Fd COM STK 024071409 135 4,724 SH   DFND   0 0 4,724
American Growth Fd of America COM STK 399874106 946 18,494 SH   SOLE   0 0 18,494
American Water Works COM STK 030420103 246 2,001 SH   SOLE   0 0 2,001
Ameriprise Financial, Inc. COM STK 03076C106 555 3,330 SH   SOLE   0 0 3,330
Amgen, Inc. COM STK 031162100 2,377 9,860 SH   SOLE   0 0 9,860
Amgen, Inc. COM STK 031162100 482 2,000 SH   DFND   0 0 2,000
Analog Devices, Inc. COM STK 032654105 291 2,450 SH   SOLE   0 0 2,450
Apple Computer, Inc. COM STK 037833100 24,631 83,880 SH   SOLE   1,790 0 82,090
Apple Computer, Inc. COM STK 037833100 181 615 SH   DFND   0 0 615
Aptar Group, Inc. COM STK 038336103 277 2,400 SH   DFND   0 0 2,400
Automatic Data Processing COM STK 053015103 22,794 133,692 SH   SOLE   3,295 0 130,397
Automatic Data Processing COM STK 053015103 28 165 SH   DFND   0 0 165
Bank of New York Mellon Corp COM STK 064058100 13,572 269,661 SH   SOLE   9,220 0 260,441
Bank of New York Mellon Corp COM STK 064058100 15 305 SH   DFND   0 0 305
Berkshire Hathaway Cl A (1/100 COM STK 084990175 679 200 SH   SOLE   0 0 200
Berkshire Hathaway Cl B COM STK 084670702 1,245 5,495 SH   SOLE   0 0 5,495
Bio-Rad Labs, Inc. COM STK 090572207 222 600 SH   SOLE   0 0 600
Boeing Company COM STK 097023105 729 2,238 SH   SOLE   0 0 2,238
Bristol-Myers Squibb Co. COM STK 110122108 622 9,691 SH   SOLE   0 0 9,691
CSX Corp COM STK 126408103 203 2,800 SH   SOLE   0 0 2,800
California Water Services COM STK 130788102 206 4,000 SH   SOLE   0 0 4,000
Carnival Corp COM STK 143658300 13,001 255,780 SH   SOLE   7,295 0 248,485
Carnival Corp COM STK 143658300 20 400 SH   DFND   0 0 400
Caterpillar, Inc. COM STK 149123101 367 2,482 SH   SOLE   0 0 2,482
Caterpillar, Inc. COM STK 149123101 15 100 SH   DFND   0 0 100
Chevron Corporation COM STK 166764100 15,730 130,531 SH   SOLE   3,805 0 126,726
Chevron Corporation COM STK 166764100 67 555 SH   DFND   0 0 555
Cisco Systems, Inc. COM STK 17275R102 14,787 308,310 SH   SOLE   8,670 0 299,640
Cisco Systems, Inc. COM STK 17275R102 41 855 SH   DFND   0 0 855
Clorox Company COM STK 189054109 2,490 16,220 SH   SOLE   0 0 16,220
Clorox Company COM STK 189054109 368 2,400 SH   DFND   0 0 2,400
Coca Cola Co COM STK 191216100 22,853 412,887 SH   SOLE   11,845 0 401,042
Coca Cola Co COM STK 191216100 47 842 SH   DFND   0 0 842
Colgate Palmolive COM STK 194162103 10,813 157,070 SH   SOLE   4,140 0 152,930
Colgate Palmolive COM STK 194162103 24 345 SH   DFND   0 0 345
Corteva Inc COM STK 22052L104 219 7,403 SH   SOLE   0 0 7,403
Deere & Co. COM STK 244199105 279 1,610 SH   SOLE   0 0 1,610
Dominion Res, Inc. COM STK 25746U109 223 2,698 SH   SOLE   0 0 2,698
Dover Corp. COM STK 260003108 617 5,350 SH   SOLE   0 0 5,350
Dow, Inc COM STK 260557103 245 4,473 SH   SOLE   0 0 4,473
DuPont COM STK 26614N102 5,592 87,107 SH   SOLE   3,123 0 83,984
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 980 7,456 SH   SOLE   0 0 7,456
Emerson Elec. Co COM STK 291011104 219 2,872 SH   SOLE   0 0 2,872
Essex Property Trust Inc. COM STK 297178105 211 700 SH   SOLE   0 0 700
Expeditors Int'l of Washington COM STK 302130109 390 5,000 SH   SOLE   0 0 5,000
Exxon Mobil Corp COM STK 30231G102 3,858 55,283 SH   SOLE   500 0 54,783
Exxon Mobil Corp COM STK 30231G102 9 130 SH   DFND   0 0 130
Fastenal Co. COM STK 311900104 229 6,200 SH   SOLE   0 0 6,200
General Electric COM STK 369604103 1,346 120,621 SH   SOLE   0 0 120,621
General Mills COM STK 370334104 311 5,810 SH   SOLE   0 0 5,810
Grainger, W.W., Inc. COM STK 384802104 1,290 3,810 SH   SOLE   0 0 3,810
Hanesbrands, Inc. COM STK 410345102 8,010 539,391 SH   SOLE   17,000 0 522,391
Hanesbrands, Inc. COM STK 410345102 17 1,130 SH   DFND   0 0 1,130
Home Depot, Inc. COM STK 437076102 22,180 101,565 SH   SOLE   2,965 0 98,600
Home Depot, Inc. COM STK 437076102 22 100 SH   DFND   0 0 100
Honeywell, Inc. COM STK 438516106 17,235 97,375 SH   SOLE   2,805 0 94,570
Honeywell, Inc. COM STK 438516106 20 113 SH   DFND   0 0 113
Illinois Tool Works Inc. COM STK 452308109 216 1,200 SH   SOLE   0 0 1,200
Intel Corp COM STK 458140100 23,966 400,427 SH   SOLE   10,765 0 389,662
Intel Corp COM STK 458140100 51 850 SH   DFND   0 0 850
Intl Business Machines Corp COM STK 459200101 2,367 17,660 SH   SOLE   450 0 17,210
J P Morgan Chase & Co COM STK 46625H100 33,392 239,544 SH   SOLE   6,610 0 232,934
J P Morgan Chase & Co COM STK 46625H100 99 713 SH   DFND   0 0 713
Johnson & Johnson COM STK 478160104 29,170 199,974 SH   SOLE   5,405 0 194,569
Johnson & Johnson COM STK 478160104 22 150 SH   DFND   0 0 150
Lockheed Martin Corp COM STK 539830109 327 841 SH   SOLE   0 0 841
Lowe's Co, Inc. COM STK 548661107 204 1,700 SH   SOLE   0 0 1,700
McDonald's Corp COM STK 580135101 1,418 7,175 SH   SOLE   100 0 7,075
McGrath Rent Corp COM STK 580589109 857 11,200 SH   SOLE   0 0 11,200
Merck & Co, Inc. COM STK 58933Y105 794 8,734 SH   SOLE   0 0 8,734
Microsoft Corp COM STK 594918104 33,109 209,947 SH   SOLE   5,880 0 204,067
Microsoft Corp COM STK 594918104 96 610 SH   DFND   0 0 610
Mondelez Intl, Inc. COM STK 609207105 11,308 205,301 SH   SOLE   6,495 0 198,806
Mondelez Intl, Inc. COM STK 609207105 22 395 SH   DFND   0 0 395
NIKE, Inc. COM STK 654106103 301 2,972 SH   SOLE   0 0 2,972
Nextera Energy, Inc. COM STK 65339F101 1,157 4,776 SH   SOLE   0 0 4,776
Nextera Energy, Inc. COM STK 65339F101 2 10 SH   DFND   0 0 10
Norfolk Southern Grp COM STK 655844108 767 3,950 SH   SOLE   0 0 3,950
Northern Global Sustainability COM STK 665130308 193 12,417 SH   SOLE   0 0 12,417
Oracle Corp COM STK 68389X105 1,072 20,240 SH   SOLE   0 0 20,240
Pepsico, Inc. COM STK 713448108 941 6,888 SH   SOLE   0 0 6,888
Pfizer, Inc. COM STK 717081103 892 22,768 SH   SOLE   0 0 22,768
Pfizer, Inc. COM STK 717081103 31 801 SH   DFND   0 0 801
Procter & Gamble Co COM STK 742718109 24,570 196,719 SH   SOLE   5,550 0 191,169
Procter & Gamble Co COM STK 742718109 26 205 SH   DFND   0 0 205
Qualcomm Inc COM STK 747525103 794 9,000 SH   SOLE   0 0 9,000
Royal Dutch Shell A COM STK 780259206 322 5,460 SH   SOLE   0 0 5,460
Schlumberger, Ltd. COM STK 806857108 3,912 97,322 SH   SOLE   2,850 0 94,472
Schlumberger, Ltd. COM STK 806857108 4 105 SH   DFND   0 0 105
Schwab US Large Cap ETF COM STK 808524201 365 4,758 SH   SOLE   0 0 4,758
Sempra Energy COM STK 816851109 216 1,425 SH   SOLE   0 0 1,425
Starbucks, Inc. COM STK 855244109 215 2,449 SH   SOLE   0 0 2,449
Stryker Corp. COM STK 863667101 20,160 96,027 SH   SOLE   1,965 0 94,062
Stryker Corp. COM STK 863667101 31 150 SH   DFND   0 0 150
T. Rowe Price Assoc. COM STK 74144T108 215 1,761 SH   SOLE   0 0 1,761
Texas Instruments COM STK 882508104 14,773 115,153 SH   SOLE   3,585 0 111,568
Texas Instruments COM STK 882508104 24 185 SH   DFND   0 0 185
US Bancorp COM STK 902973304 606 10,225 SH   SOLE   0 0 10,225
Unilever NV COM STK 904784709 569 9,905 SH   SOLE   0 0 9,905
Union Pacific Corp COM STK 907818108 5,896 32,612 SH   SOLE   300 0 32,312
United Parcel Service COM STK 911312106 15,244 130,225 SH   SOLE   3,895 0 126,330
United Parcel Service COM STK 911312106 26 220 SH   DFND   0 0 220
United Techs Corp COM STK 913017109 826 5,515 SH   SOLE   0 0 5,515
UnitedHealth Group, Inc. COM STK 91324P102 11,546 39,275 SH   SOLE   945 0 38,330
UnitedHealth Group, Inc. COM STK 91324P102 12 41 SH   DFND   0 0 41
V F Corp COM STK 918204108 15,757 158,110 SH   SOLE   5,445 0 152,665
V F Corp COM STK 918204108 24 240 SH   DFND   0 0 240
Vanguard 500 Index Fund Admira COM STK 922908710 211 706 SH   SOLE   0 0 706
Vanguard FTSE All-World ex-US COM STK 921937736 426 12,759 SH   SOLE   0 0 12,759
Vanguard Stock Market Index COM STK 922908728 1,055 13,242 SH   SOLE   0 0 13,242
Vanguard Total Stock Market COM STK 922908769 326 1,990 SH   SOLE   0 0 1,990
Verizon Communications COM STK 92343V104 367 5,981 SH   SOLE   0 0 5,981
Verizon Communications COM STK 92343V104 7 114 SH   DFND   0 0 114
Visa, Inc. COM STK 9286C8394 625 3,326 SH   SOLE   0 0 3,326
Wal Mart Stores, Inc. COM STK 931142103 342 2,876 SH   SOLE   0 0 2,876
Walt Disney Company COM STK 254687106 7,730 53,447 SH   SOLE   1,570 0 51,877
Walt Disney Company COM STK 254687106 11 75 SH   DFND   0 0 75
Wells Fargo & Co. COM STK 949746101 13,887 258,121 SH   SOLE   4,650 0 253,471
Wells Fargo & Co. COM STK 949746101 23 420 SH   DFND   0 0 420
WestAmerica Bancorp COM STK 957090103 298 4,400 SH   SOLE   0 0 4,400
Xcel Energy, Inc. COM STK 98389B100 26,782 421,831 SH   SOLE   13,570 0 408,261
Xcel Energy, Inc. COM STK 98389B100 44 690 SH   DFND   0 0 690