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
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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 8,297 64,112 SH   SOLE   1,290 0 62,822
3M Company COM STK 88579y101 3 25 SH   DFND   0 0 25
AFLAC, Inc. COM STK 001055102 603 10,900 SH   SOLE   0 0 10,900
AT & T, Inc. COM STK 00206r102 10,426 497,444 SH   SOLE   11,725 0 485,719
AT & T, Inc. COM STK 00206r102 20 950 SH   DFND   0 0 950
AbbVie, Inc. COM STK 00287Y109 299 1,950 SH   SOLE   0 0 1,950
Abbott Laboratories COM STK 002824100 21,426 197,199 SH   SOLE   4,280 0 192,919
Abbott Laboratories COM STK 002824100 39 362 SH   DFND   0 0 362
Allstate Corp. COM STK 020002101 246 1,944 SH   SOLE   0 0 1,944
Alphabet Inc. Class A COM STK 02079K305 970 445 SH   SOLE   0 0 445
Alphabet Inc. Class C COM STK 02079K107 1,048 479 SH   SOLE   0 0 479
Amazon.Com Inc. COM STK 023135106 255 2,401 SH   SOLE   0 0 2,401
Amcor plc COM STK g0250x107 655 52,668 SH   SOLE   0 0 52,668
American Express COM STK 025816109 15,044 108,530 SH   SOLE   1,975 0 106,555
American Express COM STK 025816109 29 211 SH   DFND   0 0 211
American Funds Balanced Fd COM STK 024071409 512 17,927 SH   SOLE   0 0 17,927
American Funds Balanced Fd COM STK 024071409 173 6,054 SH   DFND   0 0 6,054
American Growth Fd of America COM STK 399874106 336 6,495 SH   SOLE   0 0 6,495
American Water Works COM STK 030420103 290 1,950 SH   SOLE   0 0 1,950
Ameriprise Financial, Inc. COM STK 03076C106 766 3,223 SH   SOLE   0 0 3,223
Amgen, Inc. COM STK 031162100 1,304 5,360 SH   SOLE   0 0 5,360
Analog Devices, Inc. COM STK 032654105 358 2,450 SH   SOLE   0 0 2,450
Apple Computer, Inc. COM STK 037833100 29,005 212,151 SH   SOLE   3,790 0 208,361
Apple Computer, Inc. COM STK 037833100 55 400 SH   DFND   0 0 400
Automatic Data Processing COM STK 053015103 24,227 115,344 SH   SOLE   2,260 0 113,084
Automatic Data Processing COM STK 053015103 36 170 SH   DFND   0 0 170
Berkshire Hathaway Cl B COM STK 084670702 1,430 5,236 SH   SOLE   0 0 5,236
Bristol-Myers Squibb Co. COM STK 110122108 238 3,091 SH   SOLE   0 0 3,091
Broadcom Ltd. COM STK 11135F101 7,878 16,216 SH   SOLE   275 0 15,941
Broadcom Ltd. COM STK 11135F101 19 39 SH   DFND   0 0 39
California Water Services COM STK 130788102 222 4,000 SH   SOLE   0 0 4,000
Caterpillar, Inc. COM STK 149123101 320 1,791 SH   SOLE   0 0 1,791
Chevron Corporation COM STK 166764100 16,419 113,410 SH   SOLE   2,570 0 110,840
Chevron Corporation COM STK 166764100 17 115 SH   DFND   0 0 115
Cisco Systems, Inc. COM STK 17275R102 14,598 342,351 SH   SOLE   7,595 0 334,756
Cisco Systems, Inc. COM STK 17275R102 30 695 SH   DFND   0 0 695
Clorox Company COM STK 189054109 221 1,570 SH   SOLE   0 0 1,570
Coca Cola Co COM STK 191216100 24,358 387,195 SH   SOLE   9,055 0 378,140
Coca Cola Co COM STK 191216100 44 700 SH   DFND   0 0 700
Colgate Palmolive COM STK 194162103 11,874 148,166 SH   SOLE   2,840 0 145,326
Colgate Palmolive COM STK 194162103 24 295 SH   DFND   0 0 295
Costco Wholesale Corp. COM STK 22160K105 236 492 SH   SOLE   0 0 492
Deere & Co. COM STK 244199105 258 860 SH   SOLE   0 0 860
Dover Corp. COM STK 260003108 237 1,950 SH   SOLE   0 0 1,950
DuPont COM STK 26614N102 200 3,601 SH   SOLE   0 0 3,601
Eastman Chemical Co. COM STK 277432100 9,866 109,905 SH   SOLE   2,385 0 107,520
Eastman Chemical Co. COM STK 277432100 27 305 SH   DFND   0 0 305
Eaton Corp. COM STK G29183103 2,605 20,675 SH   SOLE   770 0 19,905
Eaton Corp. COM STK G29183103 11 85 SH   DFND   0 0 85
Eli Lilly Co COM STK 532457108 854 2,635 SH   SOLE   0 0 2,635
Expeditors Int'l of Washington COM STK 302130109 468 4,800 SH   SOLE   0 0 4,800
Exxon Mobil Corp COM STK 30231G102 2,203 25,727 SH   SOLE   200 0 25,527
Fastenal Co. COM STK 311900104 205 4,100 SH   SOLE   0 0 4,100
General Electric COM STK 369604301 559 8,779 SH   SOLE   0 0 8,779
General Mills COM STK 370334104 430 5,705 SH   SOLE   0 0 5,705
Grainger, W.W., Inc. COM STK 384802104 956 2,104 SH   SOLE   0 0 2,104
Hanesbrands, Inc. COM STK 410345102 7,240 703,569 SH   SOLE   15,100 0 688,469
Hanesbrands, Inc. COM STK 410345102 20 1,960 SH   DFND   0 0 1,960
Home Depot, Inc. COM STK 437076102 23,156 84,428 SH   SOLE   1,925 0 82,503
Home Depot, Inc. COM STK 437076102 40 145 SH   DFND   0 0 145
Honeywell, Inc. COM STK 438516106 18,669 107,408 SH   SOLE   2,345 0 105,063
Honeywell, Inc. COM STK 438516106 40 230 SH   DFND   0 0 230
Intel Corp COM STK 458140100 2,505 66,971 SH   SOLE   2,000 0 64,971
Intl Business Machines Corp COM STK 459200101 913 6,467 SH   SOLE   0 0 6,467
J P Morgan Chase & Co COM STK 46625H100 23,667 210,170 SH   SOLE   4,600 0 205,570
J P Morgan Chase & Co COM STK 46625H100 46 410 SH   DFND   0 0 410
Johnson & Johnson COM STK 478160104 31,220 175,880 SH   SOLE   3,755 0 172,125
Johnson & Johnson COM STK 478160104 52 295 SH   DFND   0 0 295
Lockheed Martin Corp COM STK 539830109 322 750 SH   SOLE   0 0 750
McDonald's Corp COM STK 580135101 1,048 4,245 SH   SOLE   100 0 4,145
McGrath Rent Corp COM STK 580589109 536 7,050 SH   SOLE   0 0 7,050
Merck & Co, Inc. COM STK 58933Y105 544 5,962 SH   SOLE   0 0 5,962
Microsoft Corp COM STK 594918104 31,212 121,526 SH   SOLE   2,500 0 119,026
Microsoft Corp COM STK 594918104 105 407 SH   DFND   0 0 407
Mondelez Intl, Inc. COM STK 609207105 15,276 246,032 SH   SOLE   5,195 0 240,837
Mondelez Intl, Inc. COM STK 609207105 36 585 SH   DFND   0 0 585
NIKE, Inc. COM STK 654106103 262 2,560 SH   SOLE   0 0 2,560
Nextera Energy, Inc. COM STK 65339F101 14,497 187,160 SH   SOLE   3,438 0 183,722
Nextera Energy, Inc. COM STK 65339F101 36 459 SH   DFND   0 0 459
Norfolk Southern Grp COM STK 655844108 273 1,200 SH   SOLE   0 0 1,200
Oracle Corp COM STK 68389X105 305 4,367 SH   SOLE   0 0 4,367
Pepsico, Inc. COM STK 713448108 739 4,434 SH   SOLE   0 0 4,434
Pfizer, Inc. COM STK 717081103 390 7,437 SH   SOLE   0 0 7,437
Procter & Gamble Co COM STK 742718109 23,721 164,972 SH   SOLE   3,825 0 161,147
Procter & Gamble Co COM STK 742718109 35 245 SH   DFND   0 0 245
Prologis, Inc COM STK 74340W103 6,752 57,393 SH   SOLE   1,290 0 56,103
Prologis, Inc COM STK 74340W103 24 205 SH   DFND   0 0 205
Schwab US Large Cap ETF COM STK 808524201 442 9,892 SH   SOLE   0 0 9,892
Starbucks, Inc. COM STK 855244109 5,558 72,760 SH   SOLE   1,385 0 71,375
Starbucks, Inc. COM STK 855244109 17 224 SH   DFND   0 0 224
Stryker Corp. COM STK 863667101 17,469 87,817 SH   SOLE   1,280 0 86,537
Stryker Corp. COM STK 863667101 29 145 SH   DFND   0 0 145
T J X Cos Inc COM STK 872540109 205 3,665 SH   SOLE   0 0 3,665
Texas Instruments COM STK 882508104 15,894 103,441 SH   SOLE   2,385 0 101,056
Texas Instruments COM STK 882508104 33 215 SH   DFND   0 0 215
US Bancorp COM STK 902973304 384 8,350 SH   SOLE   0 0 8,350
Union Pacific Corp COM STK 907818108 3,954 18,537 SH   SOLE   275 0 18,262
United Parcel Service COM STK 911312106 19,006 104,117 SH   SOLE   2,065 0 102,052
United Parcel Service COM STK 911312106 39 215 SH   DFND   0 0 215
UnitedHealth Group, Inc. COM STK 91324P102 19,874 38,693 SH   SOLE   580 0 38,113
UnitedHealth Group, Inc. COM STK 91324P102 41 79 SH   DFND   0 0 79
V F Corp COM STK 918204108 9,115 206,371 SH   SOLE   4,635 0 201,736
V F Corp COM STK 918204108 21 475 SH   DFND   0 0 475
Vanguard FTSE All-World Index COM STK 922042775 615 12,300 SH   SOLE   0 0 12,300
Vanguard Growth Viper COM STK 922908736 383 1,718 SH   SOLE   0 0 1,718
Vanguard Stock Market Index COM STK 922908728 1,255 13,677 SH   SOLE   0 0 13,677
Vanguard Total Stock Market COM STK 922908769 281 1,490 SH   SOLE   0 0 1,490
Vanguard Value Viper COM STK 922908744 238 1,807 SH   SOLE   0 0 1,807
Visa, Inc COM STK 92826C839 555 2,817 SH   SOLE   0 0 2,817
Wal Mart Stores, Inc. COM STK 931142103 289 2,376 SH   SOLE   0 0 2,376
Walt Disney Company COM STK 254687106 11,399 120,755 SH   SOLE   2,745 0 118,010
Walt Disney Company COM STK 254687106 30 320 SH   DFND   0 0 320
Warner Brothers Discovery Inc. COM STK 934423104 297 22,133 SH   SOLE   335 0 21,798
Warner Brothers Discovery Inc. COM STK 934423104 0 14 SH   DFND   0 0 14
Wells Fargo & Co. COM STK 949746101 1,050 26,795 SH   SOLE   0 0 26,795
Xcel Energy, Inc. COM STK 98389B100 22,090 312,184 SH   SOLE   7,120 0 305,064
Xcel Energy, Inc. COM STK 98389B100 38 540 SH   DFND   0 0 540