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 18,297 104,678 SH   SOLE   2,283 0 102,395
3M Company COM STK 88579y101 13 75 SH   DFND   0 0 75
AFLAC, Inc. COM STK 001055102 597 13,420 SH   SOLE   0 0 13,420
AT & T, Inc. COM STK 00206r102 13,295 462,287 SH   SOLE   11,375 0 450,912
AT & T, Inc. COM STK 00206r102 46 1,600 SH   DFND   0 0 1,600
AbbVie, Inc. COM STK 00287Y109 570 5,315 SH   SOLE   0 0 5,315
Abbott Laboratories COM STK 002824100 24,618 224,847 SH   SOLE   5,170 0 219,677
Abbott Laboratories COM STK 002824100 20 180 SH   DFND   0 0 180
Accenture Ltd COM STK G1151C101 235 900 SH   SOLE   0 0 900
Allstate Corp. COM STK 020002101 214 1,944 SH   SOLE   0 0 1,944
Alphabet Inc. Class A COM STK 02079K305 776 443 SH   SOLE   0 0 443
Alphabet Inc. Class A COM STK 02079K305 35 20 SH   DFND   0 0 20
Alphabet Inc. Class C COM STK 02079K107 843 481 SH   SOLE   0 0 481
Alphabet Inc. Class C COM STK 02079K107 70 40 SH   DFND   0 0 40
Amazon.Com Inc. COM STK 023135106 322 99 SH   SOLE   0 0 99
Amcor plc COM STK g0250x107 819 69,545 SH   SOLE   0 0 69,545
American Express COM STK 025816109 13,181 109,015 SH   SOLE   2,565 0 106,450
American Express COM STK 025816109 13 106 SH   DFND   0 0 106
American Funds Balanced Fd COM STK 024071409 459 15,216 SH   SOLE   0 0 15,216
American Funds Balanced Fd COM STK 024071409 162 5,380 SH   DFND   0 0 5,380
American Growth Fd of America COM STK 399874106 540 7,994 SH   SOLE   0 0 7,994
American Water Works COM STK 030420103 299 1,950 SH   SOLE   0 0 1,950
Ameriprise Financial, Inc. COM STK 03076C106 647 3,330 SH   SOLE   0 0 3,330
Amgen, Inc. COM STK 031162100 1,807 7,860 SH   SOLE   0 0 7,860
Analog Devices, Inc. COM STK 032654105 362 2,450 SH   SOLE   0 0 2,450
Apple Computer, Inc. COM STK 037833100 33,467 252,221 SH   SOLE   4,810 0 247,411
Apple Computer, Inc. COM STK 037833100 232 1,750 SH   DFND   0 0 1,750
Aptar Group, Inc. COM STK 038336103 274 2,000 SH   DFND   0 0 2,000
Automatic Data Processing COM STK 053015103 22,493 127,654 SH   SOLE   2,645 0 125,009
Automatic Data Processing COM STK 053015103 17 95 SH   DFND   0 0 95
Bank of New York Mellon Corp COM STK 064058100 251 5,904 SH   SOLE   0 0 5,904
Berkshire Hathaway Cl B COM STK 084670702 1,346 5,804 SH   SOLE   0 0 5,804
Boeing Company COM STK 097023105 337 1,576 SH   SOLE   0 0 1,576
Bristol-Myers Squibb Co. COM STK 110122108 223 3,591 SH   SOLE   0 0 3,591
CSX Corp COM STK 126408103 209 2,300 SH   SOLE   0 0 2,300
California Water Services COM STK 130788102 216 4,000 SH   SOLE   0 0 4,000
Caterpillar, Inc. COM STK 149123101 363 1,992 SH   SOLE   0 0 1,992
Caterpillar, Inc. COM STK 149123101 18 100 SH   DFND   0 0 100
Chevron Corporation COM STK 166764100 11,342 134,308 SH   SOLE   3,150 0 131,158
Chevron Corporation COM STK 166764100 45 535 SH   DFND   0 0 535
Cisco Systems, Inc. COM STK 17275R102 17,192 384,182 SH   SOLE   8,570 0 375,612
Cisco Systems, Inc. COM STK 17275R102 19 415 SH   DFND   0 0 415
Clorox Company COM STK 189054109 398 1,970 SH   SOLE   0 0 1,970
Clorox Company COM STK 189054109 202 1,000 SH   DFND   0 0 1,000
Coca Cola Co COM STK 191216100 21,730 396,253 SH   SOLE   9,645 0 386,608
Coca Cola Co COM STK 191216100 17 315 SH   DFND   0 0 315
Colgate Palmolive COM STK 194162103 13,111 153,330 SH   SOLE   3,240 0 150,090
Colgate Palmolive COM STK 194162103 12 145 SH   DFND   0 0 145
Cyberecord, Inc. COM STK 23246Y101 0 110,000 SH   SOLE   0 0 110,000
Deere & Co. COM STK 244199105 352 1,310 SH   SOLE   0 0 1,310
Dover Corp. COM STK 260003108 246 1,950 SH   SOLE   0 0 1,950
DuPont COM STK 26614N102 433 6,088 SH   SOLE   0 0 6,088
Eastman Chemical Co. COM STK 277432100 7,566 75,446 SH   SOLE   1,605 0 73,841
Eastman Chemical Co. COM STK 277432100 12 120 SH   DFND   0 0 120
Eli Lilly Co COM STK 532457108 646 3,825 SH   SOLE   0 0 3,825
Expeditors Int'l of Washington COM STK 302130109 476 5,000 SH   SOLE   0 0 5,000
Exxon Mobil Corp COM STK 30231G102 1,699 41,220 SH   SOLE   200 0 41,020
Fastenal Co. COM STK 311900104 303 6,200 SH   SOLE   0 0 6,200
Fidelity 500 Index Fund COM STK 315911750 225 1,726 SH   SOLE   0 0 1,726
General Electric COM STK 369604103 1,001 92,706 SH   SOLE   0 0 92,706
General Mills COM STK 370334104 342 5,810 SH   SOLE   0 0 5,810
Grainger, W.W., Inc. COM STK 384802104 943 2,310 SH   SOLE   0 0 2,310
Hanesbrands, Inc. COM STK 410345102 10,472 718,257 SH   SOLE   17,200 0 701,057
Hanesbrands, Inc. COM STK 410345102 14 960 SH   DFND   0 0 960
Home Depot, Inc. COM STK 437076102 24,663 92,852 SH   SOLE   2,240 0 90,612
Home Depot, Inc. COM STK 437076102 23 85 SH   DFND   0 0 85
Honeywell, Inc. COM STK 438516106 23,355 109,804 SH   SOLE   2,565 0 107,239
Honeywell, Inc. COM STK 438516106 24 115 SH   DFND   0 0 115
Illinois Tool Works Inc. COM STK 452308109 245 1,200 SH   SOLE   0 0 1,200
Intel Corp COM STK 458140100 18,240 366,128 SH   SOLE   8,765 0 357,363
Intel Corp COM STK 458140100 35 700 SH   DFND   0 0 700
Intl Business Machines Corp COM STK 459200101 1,322 10,504 SH   SOLE   0 0 10,504
J P Morgan Chase & Co COM STK 46625H100 31,053 244,374 SH   SOLE   5,375 0 238,999
J P Morgan Chase & Co COM STK 46625H100 76 600 SH   DFND   0 0 600
Johnson & Johnson COM STK 478160104 28,866 183,415 SH   SOLE   4,155 0 179,260
Johnson & Johnson COM STK 478160104 20 130 SH   DFND   0 0 130
Lockheed Martin Corp COM STK 539830109 266 750 SH   SOLE   0 0 750
McDonald's Corp COM STK 580135101 1,250 5,827 SH   SOLE   100 0 5,727
McGrath Rent Corp COM STK 580589109 684 10,200 SH   SOLE   0 0 10,200
Merck & Co, Inc. COM STK 58933Y105 506 6,189 SH   SOLE   0 0 6,189
Microsoft Corp COM STK 594918104 34,308 154,247 SH   SOLE   3,430 0 150,817
Microsoft Corp COM STK 594918104 175 787 SH   DFND   0 0 787
Mondelez Intl, Inc. COM STK 609207105 13,626 233,047 SH   SOLE   5,195 0 227,852
Mondelez Intl, Inc. COM STK 609207105 14 245 SH   DFND   0 0 245
NIKE, Inc. COM STK 654106103 396 2,797 SH   SOLE   0 0 2,797
Nextera Energy, Inc. COM STK 65339F101 11,508 149,161 SH   SOLE   3,288 0 145,873
Nextera Energy, Inc. COM STK 65339F101 15 194 SH   DFND   0 0 194
Norfolk Southern Grp COM STK 655844108 766 3,225 SH   SOLE   0 0 3,225
Oracle Corp COM STK 68389X105 320 4,940 SH   SOLE   0 0 4,940
Pepsico, Inc. COM STK 713448108 954 6,431 SH   SOLE   0 0 6,431
Pfizer, Inc. COM STK 717081103 410 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 24,520 176,226 SH   SOLE   4,035 0 172,191
Procter & Gamble Co COM STK 742718109 19 135 SH   DFND   0 0 135
Raytheon Technologies Corp COM STK 75513e101 205 2,865 SH   SOLE   0 0 2,865
Schlumberger, Ltd. COM STK 806857108 257 11,776 SH   SOLE   0 0 11,776
Schwab US Large Cap ETF COM STK 808524201 493 5,418 SH   SOLE   0 0 5,418
Starbucks, Inc. COM STK 855244109 264 2,471 SH   SOLE   0 0 2,471
Stryker Corp. COM STK 863667101 22,733 92,774 SH   SOLE   1,465 0 91,309
Stryker Corp. COM STK 863667101 18 75 SH   DFND   0 0 75
T J X Cos Inc COM STK 872540109 223 3,260 SH   SOLE   0 0 3,260
T. Rowe Price Assoc. COM STK 74144T108 257 1,700 SH   SOLE   0 0 1,700
Texas Instruments COM STK 882508104 18,687 113,853 SH   SOLE   2,495 0 111,358
Texas Instruments COM STK 882508104 22 135 SH   DFND   0 0 135
The Unilever Group COM STK 904767704 332 5,500 SH   SOLE   0 0 5,500
US Bancorp COM STK 902973304 417 8,950 SH   SOLE   0 0 8,950
Union Pacific Corp COM STK 907818108 5,142 24,696 SH   SOLE   300 0 24,396
United Parcel Service COM STK 911312106 20,091 119,306 SH   SOLE   2,535 0 116,771
United Parcel Service COM STK 911312106 24 145 SH   DFND   0 0 145
UnitedHealth Group, Inc. COM STK 91324P102 13,908 39,660 SH   SOLE   685 0 38,975
UnitedHealth Group, Inc. COM STK 91324P102 15 44 SH   DFND   0 0 44
V F Corp COM STK 918204108 15,102 176,817 SH   SOLE   4,295 0 172,522
V F Corp COM STK 918204108 16 190 SH   DFND   0 0 190
Vanguard 500 Index Fund Admira COM STK 922908710 236 681 SH   SOLE   0 0 681
Vanguard Stock Market Index COM STK 922908728 1,270 13,400 SH   SOLE   0 0 13,400
Vanguard Total Stock Market COM STK 922908769 290 1,490 SH   SOLE   0 0 1,490
Verizon Communications COM STK 92343V104 327 5,571 SH   SOLE   0 0 5,571
Verizon Communications COM STK 92343V104 7 114 SH   DFND   0 0 114
Visa, Inc COM STK 92826C839 713 3,258 SH   SOLE   0 0 3,258
Wal Mart Stores, Inc. COM STK 931142103 380 2,636 SH   SOLE   0 0 2,636
Walt Disney Company COM STK 254687106 17,054 94,129 SH   SOLE   1,975 0 92,154
Walt Disney Company COM STK 254687106 18 100 SH   DFND   0 0 100
Wells Fargo & Co. COM STK 949746101 8,245 273,198 SH   SOLE   7,100 0 266,098
Wells Fargo & Co. COM STK 949746101 8 280 SH   DFND   0 0 280
Xcel Energy, Inc. COM STK 98389B100 23,658 354,852 SH   SOLE   8,895 0 345,957
Xcel Energy, Inc. COM STK 98389B100 23 345 SH   DFND   0 0 345