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 20,067 101,028 SH   SOLE   2,283 0 98,745
3M Company COM STK 88579y101 17 85 SH   DFND   0 0 85
AFLAC, Inc. COM STK 001055102 639 11,900 SH   SOLE   0 0 11,900
AT & T, Inc. COM STK 00206r102 14,224 494,220 SH   SOLE   11,375 0 482,845
AT & T, Inc. COM STK 00206r102 46 1,600 SH   DFND   0 0 1,600
AbbVie, Inc. COM STK 00287Y109 492 4,365 SH   SOLE   0 0 4,365
AbbVie, Inc. COM STK 00287Y109 23 200 SH   DFND   0 0 200
Abbott Laboratories COM STK 002824100 23,993 206,964 SH   SOLE   4,605 0 202,359
Abbott Laboratories COM STK 002824100 21 180 SH   DFND   0 0 180
Accenture Ltd COM STK G1151C101 236 800 SH   SOLE   0 0 800
Allstate Corp. COM STK 020002101 254 1,944 SH   SOLE   0 0 1,944
Alphabet Inc. Class A COM STK 02079K305 1,094 448 SH   SOLE   0 0 448
Alphabet Inc. Class A COM STK 02079K305 49 20 SH   DFND   0 0 20
Alphabet Inc. Class C COM STK 02079K107 1,206 481 SH   SOLE   0 0 481
Alphabet Inc. Class C COM STK 02079K107 100 40 SH   DFND   0 0 40
Amazon.Com Inc. COM STK 023135106 382 111 SH   SOLE   0 0 111
Amcor plc COM STK g0250x107 655 57,130 SH   SOLE   0 0 57,130
American Express COM STK 025816109 17,786 107,645 SH   SOLE   2,005 0 105,640
American Express COM STK 025816109 16 96 SH   DFND   0 0 96
American Funds Balanced Fd COM STK 024071409 420 12,865 SH   SOLE   0 0 12,865
American Funds Balanced Fd COM STK 024071409 182 5,569 SH   DFND   0 0 5,569
American Growth Fd of America COM STK 399874106 487 6,495 SH   SOLE   0 0 6,495
American Water Works COM STK 030420103 301 1,950 SH   SOLE   0 0 1,950
Ameriprise Financial, Inc. COM STK 03076C106 808 3,248 SH   SOLE   0 0 3,248
Amgen, Inc. COM STK 031162100 1,477 6,060 SH   SOLE   0 0 6,060
Analog Devices, Inc. COM STK 032654105 422 2,450 SH   SOLE   0 0 2,450
Apple Computer, Inc. COM STK 037833100 32,826 239,675 SH   SOLE   4,550 0 235,125
Apple Computer, Inc. COM STK 037833100 238 1,740 SH   DFND   0 0 1,740
Automatic Data Processing COM STK 053015103 24,895 125,341 SH   SOLE   2,620 0 122,721
Automatic Data Processing COM STK 053015103 19 95 SH   DFND   0 0 95
Berkshire Hathaway Cl B COM STK 084670702 1,469 5,284 SH   SOLE   0 0 5,284
Boeing Company COM STK 097023105 270 1,126 SH   SOLE   0 0 1,126
Bristol-Myers Squibb Co. COM STK 110122108 233 3,491 SH   SOLE   0 0 3,491
Broadcom Ltd. COM STK 11135F101 4,191 8,789 SH   SOLE   305 0 8,484
Broadcom Ltd. COM STK 11135F101 8 16 SH   DFND   0 0 16
California Water Services COM STK 130788102 265 4,765 SH   SOLE   0 0 4,765
Caterpillar, Inc. COM STK 149123101 398 1,827 SH   SOLE   0 0 1,827
Caterpillar, Inc. COM STK 149123101 22 100 SH   DFND   0 0 100
Chevron Corporation COM STK 166764100 13,973 133,405 SH   SOLE   3,150 0 130,255
Chevron Corporation COM STK 166764100 46 435 SH   DFND   0 0 435
Cisco Systems, Inc. COM STK 17275R102 18,606 351,053 SH   SOLE   7,545 0 343,508
Cisco Systems, Inc. COM STK 17275R102 21 395 SH   DFND   0 0 395
Clorox Company COM STK 189054109 354 1,970 SH   SOLE   0 0 1,970
Clorox Company COM STK 189054109 126 700 SH   DFND   0 0 700
Coca Cola Co COM STK 191216100 21,673 400,533 SH   SOLE   9,645 0 390,888
Coca Cola Co COM STK 191216100 19 350 SH   DFND   0 0 350
Colgate Palmolive COM STK 194162103 12,500 153,658 SH   SOLE   3,240 0 150,418
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
Darden Restaurants Inc. COM STK 237194105 206 1,410 SH   SOLE   0 0 1,410
Deere & Co. COM STK 244199105 319 905 SH   SOLE   0 0 905
Dover Corp. COM STK 260003108 294 1,950 SH   SOLE   0 0 1,950
DuPont COM STK 26614N102 314 4,055 SH   SOLE   0 0 4,055
Eastman Chemical Co. COM STK 277432100 9,977 85,459 SH   SOLE   1,765 0 83,694
Eastman Chemical Co. COM STK 277432100 14 120 SH   DFND   0 0 120
Eli Lilly Co COM STK 532457108 835 3,640 SH   SOLE   0 0 3,640
Expeditors Int'l of Washington COM STK 302130109 608 4,800 SH   SOLE   0 0 4,800
Exxon Mobil Corp COM STK 30231G102 2,050 32,504 SH   SOLE   200 0 32,304
Fastenal Co. COM STK 311900104 244 4,700 SH   SOLE   0 0 4,700
General Electric COM STK 369604103 1,077 80,006 SH   SOLE   0 0 80,006
General Mills COM STK 370334104 354 5,810 SH   SOLE   0 0 5,810
Grainger, W.W., Inc. COM STK 384802104 968 2,210 SH   SOLE   0 0 2,210
Hanesbrands, Inc. COM STK 410345102 12,791 685,134 SH   SOLE   15,700 0 669,434
Hanesbrands, Inc. COM STK 410345102 18 960 SH   DFND   0 0 960
Home Depot, Inc. COM STK 437076102 28,580 89,623 SH   SOLE   2,065 0 87,558
Home Depot, Inc. COM STK 437076102 24 75 SH   DFND   0 0 75
Honeywell, Inc. COM STK 438516106 23,276 106,112 SH   SOLE   2,370 0 103,742
Honeywell, Inc. COM STK 438516106 24 110 SH   DFND   0 0 110
Intel Corp COM STK 458140100 9,052 161,236 SH   SOLE   2,775 0 158,461
Intel Corp COM STK 458140100 3 50 SH   DFND   0 0 50
Intl Business Machines Corp COM STK 459200101 1,363 9,297 SH   SOLE   0 0 9,297
J P Morgan Chase & Co COM STK 46625H100 33,895 217,916 SH   SOLE   4,595 0 213,321
J P Morgan Chase & Co COM STK 46625H100 87 560 SH   DFND   0 0 560
Johnson & Johnson COM STK 478160104 29,745 180,554 SH   SOLE   3,905 0 176,649
Johnson & Johnson COM STK 478160104 21 130 SH   DFND   0 0 130
Johnson Controls, Inc. COM STK 478366107 212 3,088 SH   SOLE   0 0 3,088
Lockheed Martin Corp COM STK 539830109 284 750 SH   SOLE   0 0 750
McDonald's Corp COM STK 580135101 1,025 4,439 SH   SOLE   100 0 4,339
McGrath Rent Corp COM STK 580589109 738 9,050 SH   SOLE   0 0 9,050
Merck & Co, Inc. COM STK 58933Y105 483 6,213 SH   SOLE   0 0 6,213
Microsoft Corp COM STK 594918104 37,658 139,010 SH   SOLE   2,960 0 136,050
Microsoft Corp COM STK 594918104 201 742 SH   DFND   0 0 742
Mondelez Intl, Inc. COM STK 609207105 14,946 239,371 SH   SOLE   5,195 0 234,176
Mondelez Intl, Inc. COM STK 609207105 18 285 SH   DFND   0 0 285
NIKE, Inc. COM STK 654106103 429 2,776 SH   SOLE   0 0 2,776
Nextera Energy, Inc. COM STK 65339F101 12,170 166,081 SH   SOLE   3,398 0 162,683
Nextera Energy, Inc. COM STK 65339F101 14 194 SH   DFND   0 0 194
Norfolk Southern Grp COM STK 655844108 557 2,100 SH   SOLE   0 0 2,100
Oracle Corp COM STK 68389X105 330 4,240 SH   SOLE   0 0 4,240
Pepsico, Inc. COM STK 713448108 886 5,979 SH   SOLE   0 0 5,979
Pfizer, Inc. COM STK 717081103 413 10,555 SH   SOLE   0 0 10,555
Procter & Gamble Co COM STK 742718109 23,424 173,599 SH   SOLE   4,035 0 169,564
Procter & Gamble Co COM STK 742718109 18 135 SH   DFND   0 0 135
Raytheon Technologies Corp COM STK 75513e101 249 2,921 SH   SOLE   0 0 2,921
S P D R Trust Unit SR COM STK 78462F103 218 510 SH   SOLE   0 0 510
Schlumberger, Ltd. COM STK 806857108 237 7,409 SH   SOLE   0 0 7,409
Schwab US Large Cap ETF COM STK 808524201 545 5,242 SH   SOLE   0 0 5,242
Sequoia Fund COM STK 817418106 417 2,168 SH   DFND   0 0 2,168
Starbucks, Inc. COM STK 855244109 240 2,148 SH   SOLE   0 0 2,148
Stryker Corp. COM STK 863667101 23,448 90,278 SH   SOLE   1,365 0 88,913
Stryker Corp. COM STK 863667101 19 75 SH   DFND   0 0 75
T J X Cos Inc COM STK 872540109 220 3,260 SH   SOLE   0 0 3,260
T. Rowe Price Assoc. COM STK 74144T108 337 1,700 SH   SOLE   0 0 1,700
Target Corporation COM STK 87612E106 234 970 SH   SOLE   0 0 970
Tesla Motors Inc. COM STK 88160R101 212 312 SH   SOLE   0 0 312
Texas Instruments COM STK 882508104 20,532 106,772 SH   SOLE   2,405 0 104,367
Texas Instruments COM STK 882508104 22 115 SH   DFND   0 0 115
The Unilever Group COM STK 904767704 310 5,300 SH   SOLE   0 0 5,300
US Bancorp COM STK 902973304 476 8,350 SH   SOLE   0 0 8,350
Union Pacific Corp COM STK 907818108 4,773 21,704 SH   SOLE   300 0 21,404
United Parcel Service COM STK 911312106 22,826 109,757 SH   SOLE   2,345 0 107,412
United Parcel Service COM STK 911312106 26 125 SH   DFND   0 0 125
UnitedHealth Group, Inc. COM STK 91324P102 15,730 39,281 SH   SOLE   650 0 38,631
UnitedHealth Group, Inc. COM STK 91324P102 18 44 SH   DFND   0 0 44
V F Corp COM STK 918204108 14,664 178,740 SH   SOLE   4,295 0 174,445
V F Corp COM STK 918204108 16 190 SH   DFND   0 0 190
Vanguard FTSE All-World Index COM STK 922042775 697 11,000 SH   SOLE   0 0 11,000
Vanguard Stock Market Index COM STK 922908728 1,454 13,400 SH   SOLE   0 0 13,400
Vanguard Total Stock Market COM STK 922908769 332 1,490 SH   SOLE   0 0 1,490
Verizon Communications COM STK 92343V104 241 4,298 SH   SOLE   0 0 4,298
Verizon Communications COM STK 92343V104 6 114 SH   DFND   0 0 114
Visa, Inc COM STK 92826C839 658 2,812 SH   SOLE   0 0 2,812
Wal Mart Stores, Inc. COM STK 931142103 363 2,576 SH   SOLE   0 0 2,576
Walt Disney Company COM STK 254687106 16,650 94,727 SH   SOLE   1,975 0 92,752
Walt Disney Company COM STK 254687106 18 100 SH   DFND   0 0 100
Wells Fargo & Co. COM STK 949746101 12,737 281,222 SH   SOLE   6,300 0 274,922
Wells Fargo & Co. COM STK 949746101 18 395 SH   DFND   0 0 395
Xcel Energy, Inc. COM STK 98389B100 22,097 335,414 SH   SOLE   7,695 0 327,719
Xcel Energy, Inc. COM STK 98389B100 19 290 SH   DFND   0 0 290