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 17,459 108,996 SH   SOLE   2,283 0 106,713
3M Company COM STK 88579y101 12 75 SH   DFND   0 0 75
AFLAC, Inc. COM STK 001055102 488 13,420 SH   SOLE   0 0 13,420
AT & T, Inc. COM STK 00206r102 12,905 452,643 SH   SOLE   11,375 0 441,268
AT & T, Inc. COM STK 00206r102 43 1,500 SH   DFND   0 0 1,500
AbbVie, Inc. COM STK 00287Y109 518 5,915 SH   SOLE   0 0 5,915
Abbott Laboratories COM STK 002824100 26,493 243,435 SH   SOLE   5,170 0 238,265
Abbott Laboratories COM STK 002824100 21 195 SH   DFND   0 0 195
Accenture Ltd COM STK G1151C101 237 1,050 SH   SOLE   0 0 1,050
Alphabet Inc. Class A COM STK 02079K305 649 443 SH   SOLE   0 0 443
Alphabet Inc. Class A COM STK 02079K305 29 20 SH   DFND   0 0 20
Alphabet Inc. Class C COM STK 02079K107 704 479 SH   SOLE   0 0 479
Alphabet Inc. Class C COM STK 02079K107 59 40 SH   DFND   0 0 40
Amazon.Com Inc. COM STK 023135106 309 98 SH   SOLE   0 0 98
Amcor plc COM STK g0250x107 789 71,381 SH   SOLE   0 0 71,381
American Express COM STK 025816109 10,050 100,245 SH   SOLE   2,565 0 97,680
American Express COM STK 025816109 6 56 SH   DFND   0 0 56
American Funds Balanced Fd COM STK 024071409 425 14,730 SH   SOLE   0 0 14,730
American Funds Balanced Fd COM STK 024071409 149 5,180 SH   DFND   0 0 5,180
American Growth Fd of America COM STK 399874106 880 14,494 SH   SOLE   0 0 14,494
American Water Works COM STK 030420103 283 1,950 SH   SOLE   0 0 1,950
Ameriprise Financial, Inc. COM STK 03076C106 513 3,330 SH   SOLE   0 0 3,330
Amgen, Inc. COM STK 031162100 2,125 8,360 SH   SOLE   0 0 8,360
Analog Devices, Inc. COM STK 032654105 286 2,450 SH   SOLE   0 0 2,450
Apple Computer, Inc. COM STK 037833100 31,508 272,068 SH   SOLE   4,960 0 267,108
Apple Computer, Inc. COM STK 037833100 204 1,760 SH   DFND   0 0 1,760
Aptar Group, Inc. COM STK 038336103 272 2,400 SH   DFND   0 0 2,400
Automatic Data Processing COM STK 053015103 18,265 130,938 SH   SOLE   2,645 0 128,293
Automatic Data Processing COM STK 053015103 13 95 SH   DFND   0 0 95
Bank of New York Mellon Corp COM STK 064058100 480 13,969 SH   SOLE   0 0 13,969
Berkshire Hathaway Cl B COM STK 084670702 1,289 6,054 SH   SOLE   0 0 6,054
Boeing Company COM STK 097023105 260 1,576 SH   SOLE   0 0 1,576
Bristol-Myers Squibb Co. COM STK 110122108 217 3,591 SH   SOLE   0 0 3,591
Carnival Corp COM STK 143658300 2,586 170,385 SH   SOLE   750 0 169,635
Caterpillar, Inc. COM STK 149123101 391 2,622 SH   SOLE   0 0 2,622
Caterpillar, Inc. COM STK 149123101 15 100 SH   DFND   0 0 100
Chevron Corporation COM STK 166764100 9,302 129,189 SH   SOLE   3,150 0 126,039
Chevron Corporation COM STK 166764100 39 535 SH   DFND   0 0 535
Cisco Systems, Inc. COM STK 17275R102 14,065 357,077 SH   SOLE   8,570 0 348,507
Cisco Systems, Inc. COM STK 17275R102 15 385 SH   DFND   0 0 385
Clorox Company COM STK 189054109 414 1,970 SH   SOLE   0 0 1,970
Clorox Company COM STK 189054109 231 1,100 SH   DFND   0 0 1,100
Coca Cola Co COM STK 191216100 19,802 401,103 SH   SOLE   9,645 0 391,458
Coca Cola Co COM STK 191216100 16 315 SH   DFND   0 0 315
Colgate Palmolive COM STK 194162103 11,904 154,302 SH   SOLE   3,240 0 151,062
Colgate Palmolive COM STK 194162103 11 145 SH   DFND   0 0 145
Cyberecord, Inc. COM STK 23246Y101 1 110,000 SH   SOLE   0 0 110,000
Deere & Co. COM STK 244199105 312 1,410 SH   SOLE   0 0 1,410
Dominion Res, Inc. COM STK 25746U109 201 2,548 SH   SOLE   0 0 2,548
Dover Corp. COM STK 260003108 287 2,650 SH   SOLE   0 0 2,650
DuPont COM STK 26614N102 374 6,742 SH   SOLE   0 0 6,742
Eastman Chemical Co. COM STK 277432100 3,828 49,006 SH   SOLE   1,205 0 47,801
Eastman Chemical Co. COM STK 277432100 7 88 SH   DFND   0 0 88
Edison Intl Corp COM STK 281020107 203 4,000 SH   SOLE   0 0 4,000
Eli Lilly Co COM STK 532457108 833 5,625 SH   SOLE   0 0 5,625
Expeditors Int'l of Washington COM STK 302130109 453 5,000 SH   SOLE   0 0 5,000
Exxon Mobil Corp COM STK 30231G102 1,474 42,950 SH   SOLE   200 0 42,750
Fastenal Co. COM STK 311900104 280 6,200 SH   SOLE   0 0 6,200
Fidelity Magellan COM STK 316184100 256 21,080 SH   SOLE   0 0 21,080
General Electric COM STK 369604103 587 94,206 SH   SOLE   0 0 94,206
General Mills COM STK 370334104 358 5,810 SH   SOLE   0 0 5,810
Grainger, W.W., Inc. COM STK 384802104 1,181 3,310 SH   SOLE   0 0 3,310
Hanesbrands, Inc. COM STK 410345102 11,104 705,009 SH   SOLE   17,200 0 687,809
Hanesbrands, Inc. COM STK 410345102 14 860 SH   DFND   0 0 860
Home Depot, Inc. COM STK 437076102 27,053 97,416 SH   SOLE   2,240 0 95,176
Home Depot, Inc. COM STK 437076102 24 85 SH   DFND   0 0 85
Honeywell, Inc. COM STK 438516106 18,203 110,581 SH   SOLE   2,565 0 108,016
Honeywell, Inc. COM STK 438516106 22 135 SH   DFND   0 0 135
Illinois Tool Works Inc. COM STK 452308109 232 1,200 SH   SOLE   0 0 1,200
Intel Corp COM STK 458140100 19,300 372,737 SH   SOLE   8,765 0 363,972
Intel Corp COM STK 458140100 36 700 SH   DFND   0 0 700
Intl Business Machines Corp COM STK 459200101 1,436 11,804 SH   SOLE   0 0 11,804
J P Morgan Chase & Co COM STK 46625H100 23,818 247,409 SH   SOLE   5,775 0 241,634
J P Morgan Chase & Co COM STK 46625H100 54 560 SH   DFND   0 0 560
Johnson & Johnson COM STK 478160104 27,886 187,307 SH   SOLE   4,155 0 183,152
Johnson & Johnson COM STK 478160104 19 130 SH   DFND   0 0 130
Lockheed Martin Corp COM STK 539830109 287 750 SH   SOLE   0 0 750
McDonald's Corp COM STK 580135101 1,483 6,758 SH   SOLE   100 0 6,658
McGrath Rent Corp COM STK 580589109 608 10,200 SH   SOLE   0 0 10,200
Merck & Co, Inc. COM STK 58933Y105 513 6,188 SH   SOLE   0 0 6,188
Microsoft Corp COM STK 594918104 35,626 169,381 SH   SOLE   3,480 0 165,901
Microsoft Corp COM STK 594918104 147 697 SH   DFND   0 0 697
Mondelez Intl, Inc. COM STK 609207105 12,777 222,395 SH   SOLE   5,195 0 217,200
Mondelez Intl, Inc. COM STK 609207105 14 245 SH   DFND   0 0 245
NIKE, Inc. COM STK 654106103 348 2,772 SH   SOLE   0 0 2,772
Nextera Energy, Inc. COM STK 65339F101 10,150 36,567 SH   SOLE   822 0 35,745
Nextera Energy, Inc. COM STK 65339F101 12 43 SH   DFND   0 0 43
Norfolk Southern Grp COM STK 655844108 802 3,750 SH   SOLE   0 0 3,750
Oracle Corp COM STK 68389X105 295 4,940 SH   SOLE   0 0 4,940
Pepsico, Inc. COM STK 713448108 856 6,178 SH   SOLE   0 0 6,178
Pfizer, Inc. COM STK 717081103 409 11,140 SH   SOLE   0 0 11,140
Pfizer, Inc. COM STK 717081103 18 500 SH   DFND   0 0 500
Procter & Gamble Co COM STK 742718109 25,545 183,792 SH   SOLE   4,135 0 179,657
Procter & Gamble Co COM STK 742718109 22 155 SH   DFND   0 0 155
Schlumberger, Ltd. COM STK 806857108 1,118 71,866 SH   SOLE   200 0 71,666
Schlumberger, Ltd. COM STK 806857108 1 70 SH   DFND   0 0 70
Schwab US Large Cap ETF COM STK 808524201 400 4,961 SH   SOLE   0 0 4,961
Starbucks, Inc. COM STK 855244109 212 2,466 SH   SOLE   0 0 2,466
Stryker Corp. COM STK 863667101 19,814 95,090 SH   SOLE   1,465 0 93,625
Stryker Corp. COM STK 863667101 16 75 SH   DFND   0 0 75
T. Rowe Price Assoc. COM STK 74144T108 225 1,752 SH   SOLE   0 0 1,752
Target Corporation COM STK 87612E106 216 1,370 SH   SOLE   0 0 1,370
Texas Instruments COM STK 882508104 16,565 116,011 SH   SOLE   2,785 0 113,226
Texas Instruments COM STK 882508104 19 135 SH   DFND   0 0 135
US Bancorp COM STK 902973304 334 9,325 SH   SOLE   0 0 9,325
Unilever NV COM STK 904784709 447 7,405 SH   SOLE   0 0 7,405
Union Pacific Corp COM STK 907818108 5,568 28,282 SH   SOLE   300 0 27,982
United Parcel Service COM STK 911312106 21,499 129,022 SH   SOLE   2,770 0 126,252
United Parcel Service COM STK 911312106 27 165 SH   DFND   0 0 165
UnitedHealth Group, Inc. COM STK 91324P102 12,306 39,471 SH   SOLE   685 0 38,786
UnitedHealth Group, Inc. COM STK 91324P102 13 41 SH   DFND   0 0 41
V F Corp COM STK 918204108 12,520 178,224 SH   SOLE   4,495 0 173,729
V F Corp COM STK 918204108 13 190 SH   DFND   0 0 190
Vanguard 500 Index Fund Admira COM STK 922908710 211 681 SH   SOLE   0 0 681
Vanguard Stock Market Index COM STK 922908728 1,111 13,400 SH   SOLE   0 0 13,400
Vanguard Total Stock Market COM STK 922908769 254 1,490 SH   SOLE   0 0 1,490
Verizon Communications COM STK 92343V104 313 5,258 SH   SOLE   0 0 5,258
Verizon Communications COM STK 92343V104 7 114 SH   DFND   0 0 114
Visa, Inc COM STK 92826C839 645 3,224 SH   SOLE   0 0 3,224
Wal Mart Stores, Inc. COM STK 931142103 410 2,934 SH   SOLE   0 0 2,934
Walt Disney Company COM STK 254687106 11,460 92,362 SH   SOLE   1,975 0 90,387
Walt Disney Company COM STK 254687106 12 100 SH   DFND   0 0 100
Wells Fargo & Co. COM STK 949746101 7,223 307,221 SH   SOLE   7,100 0 300,121
Wells Fargo & Co. COM STK 949746101 5 220 SH   DFND   0 0 220
WestAmerica Bancorp COM STK 957090103 239 4,400 SH   SOLE   0 0 4,400
Xcel Energy, Inc. COM STK 98389B100 26,118 378,469 SH   SOLE   9,195 0 369,274
Xcel Energy, Inc. COM STK 98389B100 26 370 SH   DFND   0 0 370