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 17,716 100,991 SH   SOLE   2,283 0 98,708
3M Company COM STK 88579y101 23 130 SH   DFND   0 0 130
AFLAC, Inc. COM STK 001055102 568 10,900 SH   SOLE   0 0 10,900
AT & T, Inc. COM STK 00206r102 13,460 498,344 SH   SOLE   11,575 0 486,769
AT & T, Inc. COM STK 00206r102 12 450 SH   DFND   0 0 450
AbbVie, Inc. COM STK 00287Y109 340 3,150 SH   SOLE   0 0 3,150
AbbVie, Inc. COM STK 00287Y109 22 200 SH   DFND   0 0 200
Abbott Laboratories COM STK 002824100 24,005 203,210 SH   SOLE   4,605 0 198,605
Abbott Laboratories COM STK 002824100 26 220 SH   DFND   0 0 220
Accenture Ltd COM STK G1151C101 256 800 SH   SOLE   0 0 800
Allstate Corp. COM STK 020002101 247 1,944 SH   SOLE   0 0 1,944
Alphabet Inc. Class A COM STK 02079K305 1,187 444 SH   SOLE   0 0 444
Alphabet Inc. Class A COM STK 02079K305 53 20 SH   DFND   0 0 20
Alphabet Inc. Class C COM STK 02079K107 1,274 478 SH   SOLE   0 0 478
Alphabet Inc. Class C COM STK 02079K107 107 40 SH   DFND   0 0 40
Amazon.Com Inc. COM STK 023135106 365 111 SH   SOLE   0 0 111
Amcor plc COM STK g0250x107 662 57,130 SH   SOLE   0 0 57,130
American Express COM STK 025816109 17,819 106,365 SH   SOLE   2,005 0 104,360
American Express COM STK 025816109 26 156 SH   DFND   0 0 156
American Funds Balanced Fd COM STK 024071409 467 14,434 SH   SOLE   0 0 14,434
American Funds Balanced Fd COM STK 024071409 181 5,585 SH   DFND   0 0 5,585
American Growth Fd of America COM STK 399874106 492 6,495 SH   SOLE   0 0 6,495
American Water Works COM STK 030420103 330 1,950 SH   SOLE   0 0 1,950
Ameriprise Financial, Inc. COM STK 03076C106 851 3,223 SH   SOLE   0 0 3,223
Amgen, Inc. COM STK 031162100 1,257 5,913 SH   SOLE   0 0 5,913
Analog Devices, Inc. COM STK 032654105 410 2,450 SH   SOLE   0 0 2,450
Apple Computer, Inc. COM STK 037833100 32,932 232,737 SH   SOLE   4,310 0 228,427
Apple Computer, Inc. COM STK 037833100 258 1,820 SH   DFND   0 0 1,820
Automatic Data Processing COM STK 053015103 24,738 123,737 SH   SOLE   2,620 0 121,117
Automatic Data Processing COM STK 053015103 29 145 SH   DFND   0 0 145
Berkshire Hathaway Cl B COM STK 084670702 1,394 5,109 SH   SOLE   0 0 5,109
Boeing Company COM STK 097023105 248 1,126 SH   SOLE   0 0 1,126
Broadcom Ltd. COM STK 11135F101 6,209 12,803 SH   SOLE   320 0 12,483
Broadcom Ltd. COM STK 11135F101 17 36 SH   DFND   0 0 36
California Water Services COM STK 130788102 236 4,000 SH   SOLE   0 0 4,000
Caterpillar, Inc. COM STK 149123101 330 1,718 SH   SOLE   0 0 1,718
Caterpillar, Inc. COM STK 149123101 19 100 SH   DFND   0 0 100
Chevron Corporation COM STK 166764100 13,375 131,838 SH   SOLE   3,150 0 128,688
Chevron Corporation COM STK 166764100 52 515 SH   DFND   0 0 515
Cisco Systems, Inc. COM STK 17275R102 18,628 342,235 SH   SOLE   6,945 0 335,290
Cisco Systems, Inc. COM STK 17275R102 26 485 SH   DFND   0 0 485
Clorox Company COM STK 189054109 326 1,970 SH   SOLE   0 0 1,970
Clorox Company COM STK 189054109 58 350 SH   DFND   0 0 350
Coca Cola Co COM STK 191216100 21,055 401,276 SH   SOLE   9,645 0 391,631
Coca Cola Co COM STK 191216100 29 550 SH   DFND   0 0 550
Colgate Palmolive COM STK 194162103 11,692 154,699 SH   SOLE   3,240 0 151,459
Colgate Palmolive COM STK 194162103 16 210 SH   DFND   0 0 210
Cyberecord, Inc. COM STK 23246Y101 0 110,000 SH   SOLE   0 0 110,000
Danaher Corp. COM STK 235851102 213 700 SH   SOLE   0 0 700
Darden Restaurants Inc. COM STK 237194105 214 1,410 SH   SOLE   0 0 1,410
Deere & Co. COM STK 244199105 303 905 SH   SOLE   0 0 905
Dover Corp. COM STK 260003108 303 1,950 SH   SOLE   0 0 1,950
DuPont COM STK 26614N102 264 3,885 SH   SOLE   0 0 3,885
Eastman Chemical Co. COM STK 277432100 9,181 91,133 SH   SOLE   1,765 0 89,368
Eastman Chemical Co. COM STK 277432100 20 200 SH   DFND   0 0 200
Eli Lilly Co COM STK 532457108 793 3,430 SH   SOLE   0 0 3,430
Expeditors Int'l of Washington COM STK 302130109 572 4,800 SH   SOLE   0 0 4,800
Exxon Mobil Corp COM STK 30231G102 1,849 31,435 SH   SOLE   200 0 31,235
Fastenal Co. COM STK 311900104 243 4,700 SH   SOLE   0 0 4,700
General Electric COM STK 369604103 1,030 9,995 SH   SOLE   0 0 9,995
General Mills COM STK 370334104 348 5,810 SH   SOLE   0 0 5,810
Grainger, W.W., Inc. COM STK 384802104 869 2,210 SH   SOLE   0 0 2,210
Hanesbrands, Inc. COM STK 410345102 11,551 673,135 SH   SOLE   15,300 0 657,835
Hanesbrands, Inc. COM STK 410345102 20 1,160 SH   DFND   0 0 1,160
Home Depot, Inc. COM STK 437076102 29,043 88,474 SH   SOLE   2,065 0 86,409
Home Depot, Inc. COM STK 437076102 31 95 SH   DFND   0 0 95
Honeywell, Inc. COM STK 438516106 22,284 104,976 SH   SOLE   2,345 0 102,631
Honeywell, Inc. COM STK 438516106 34 160 SH   DFND   0 0 160
Intel Corp COM STK 458140100 7,164 134,456 SH   SOLE   2,775 0 131,681
Intel Corp COM STK 458140100 3 50 SH   DFND   0 0 50
Intl Business Machines Corp COM STK 459200101 1,148 8,262 SH   SOLE   0 0 8,262
J P Morgan Chase & Co COM STK 46625H100 35,090 214,371 SH   SOLE   4,595 0 209,776
J P Morgan Chase & Co COM STK 46625H100 93 570 SH   DFND   0 0 570
Johnson & Johnson COM STK 478160104 29,072 180,010 SH   SOLE   3,905 0 176,105
Johnson & Johnson COM STK 478160104 31 190 SH   DFND   0 0 190
Johnson Controls, Inc. COM STK 478366107 210 3,088 SH   SOLE   0 0 3,088
Lockheed Martin Corp COM STK 539830109 259 750 SH   SOLE   0 0 750
McDonald's Corp COM STK 580135101 1,064 4,412 SH   SOLE   100 0 4,312
McGrath Rent Corp COM STK 580589109 579 8,050 SH   SOLE   0 0 8,050
Merck & Co, Inc. COM STK 58933Y105 452 6,012 SH   SOLE   0 0 6,012
Microsoft Corp COM STK 594918104 37,368 132,548 SH   SOLE   2,825 0 129,723
Microsoft Corp COM STK 594918104 212 752 SH   DFND   0 0 752
Mondelez Intl, Inc. COM STK 609207105 14,070 241,836 SH   SOLE   5,195 0 236,641
Mondelez Intl, Inc. COM STK 609207105 25 435 SH   DFND   0 0 435
NIKE, Inc. COM STK 654106103 370 2,545 SH   SOLE   0 0 2,545
Nextera Energy, Inc. COM STK 65339F101 13,422 170,942 SH   SOLE   3,398 0 167,544
Nextera Energy, Inc. COM STK 65339F101 20 254 SH   DFND   0 0 254
Norfolk Southern Grp COM STK 655844108 502 2,100 SH   SOLE   0 0 2,100
Oracle Corp COM STK 68389X105 369 4,240 SH   SOLE   0 0 4,240
Pepsico, Inc. COM STK 713448108 897 5,963 SH   SOLE   0 0 5,963
Pfizer, Inc. COM STK 717081103 406 9,437 SH   SOLE   0 0 9,437
Procter & Gamble Co COM STK 742718109 24,067 172,151 SH   SOLE   4,035 0 168,116
Procter & Gamble Co COM STK 742718109 23 165 SH   DFND   0 0 165
Raytheon Technologies Corp COM STK 75513e101 246 2,865 SH   SOLE   0 0 2,865
S P D R Trust Unit SR COM STK 78462F103 219 511 SH   SOLE   0 0 511
Schlumberger, Ltd. COM STK 806857108 220 7,409 SH   SOLE   0 0 7,409
Schwab US Large Cap ETF COM STK 808524201 546 5,252 SH   SOLE   0 0 5,252
Starbucks, Inc. COM STK 855244109 237 2,152 SH   SOLE   0 0 2,152
Stryker Corp. COM STK 863667101 23,639 89,638 SH   SOLE   1,365 0 88,273
Stryker Corp. COM STK 863667101 24 90 SH   DFND   0 0 90
T J X Cos Inc COM STK 872540109 215 3,260 SH   SOLE   0 0 3,260
T. Rowe Price Assoc. COM STK 74144T108 334 1,700 SH   SOLE   0 0 1,700
Target Corporation COM STK 87612E106 222 970 SH   SOLE   0 0 970
Tesla Motors Inc. COM STK 88160R101 242 312 SH   SOLE   0 0 312
Texas Instruments COM STK 882508104 20,128 104,717 SH   SOLE   2,405 0 102,312
Texas Instruments COM STK 882508104 32 165 SH   DFND   0 0 165
The Unilever Group COM STK 904767704 271 5,000 SH   SOLE   0 0 5,000
US Bancorp COM STK 902973304 496 8,350 SH   SOLE   0 0 8,350
Union Pacific Corp COM STK 907818108 4,106 20,949 SH   SOLE   300 0 20,649
United Parcel Service COM STK 911312106 19,604 107,654 SH   SOLE   2,320 0 105,334
United Parcel Service COM STK 911312106 27 150 SH   DFND   0 0 150
UnitedHealth Group, Inc. COM STK 91324P102 15,541 39,774 SH   SOLE   650 0 39,124
UnitedHealth Group, Inc. COM STK 91324P102 21 54 SH   DFND   0 0 54
V F Corp COM STK 918204108 12,179 181,804 SH   SOLE   4,295 0 177,509
V F Corp COM STK 918204108 21 310 SH   DFND   0 0 310
Vanguard FTSE All-World Index COM STK 922042775 695 11,400 SH   SOLE   0 0 11,400
Vanguard Stock Market Index COM STK 922908728 1,473 13,625 SH   SOLE   0 0 13,625
Vanguard Total Stock Market COM STK 922908769 331 1,490 SH   SOLE   0 0 1,490
Verizon Communications COM STK 92343V104 232 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 626 2,812 SH   SOLE   0 0 2,812
Wal Mart Stores, Inc. COM STK 931142103 359 2,576 SH   SOLE   0 0 2,576
Walt Disney Company COM STK 254687106 16,192 95,715 SH   SOLE   1,975 0 93,740
Walt Disney Company COM STK 254687106 25 150 SH   DFND   0 0 150
Wells Fargo & Co. COM STK 949746101 12,594 271,369 SH   SOLE   5,550 0 265,819
Wells Fargo & Co. COM STK 949746101 18 395 SH   DFND   0 0 395
Xcel Energy, Inc. COM STK 98389B100 20,577 329,234 SH   SOLE   7,495 0 321,739
Xcel Energy, Inc. COM STK 98389B100 28 440 SH   DFND   0 0 440