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 4,266 38,607 SH   SOLE   1,139 0 37,468
AFLAC, Inc. COM STK 001055102 601 10,700 SH   SOLE   0 0 10,700
AT & T, Inc. COM STK 00206r102 8,535 556,370 SH   SOLE   12,424 0 543,946
AT & T, Inc. COM STK 00206r102 16 1,050 SH   DFND   0 0 1,050
AbbVie, Inc. COM STK 00287Y109 293 2,180 SH   SOLE   0 0 2,180
Abbott Laboratories COM STK 002824100 19,204 198,472 SH   SOLE   4,280 0 194,192
Abbott Laboratories COM STK 002824100 35 362 SH   DFND   0 0 362
Accenture Ltd COM STK G1151C101 261 1,014 SH   SOLE   0 0 1,014
Allstate Corp. COM STK 020002101 242 1,944 SH   SOLE   0 0 1,944
Alphabet Inc. Class A COM STK 02079K305 911 9,522 SH   SOLE   0 0 9,522
Alphabet Inc. Class C COM STK 02079K107 979 10,180 SH   SOLE   0 0 10,180
Amazon.Com Inc. COM STK 023135106 364 3,221 SH   SOLE   0 0 3,221
Amcor plc COM STK g0250x107 565 52,668 SH   SOLE   0 0 52,668
American Express COM STK 025816109 14,967 110,942 SH   SOLE   2,125 0 108,817
American Express COM STK 025816109 28 211 SH   DFND   0 0 211
American Funds Balanced Fd COM STK 024071409 474 17,718 SH   SOLE   0 0 17,718
American Funds Balanced Fd COM STK 024071409 162 6,070 SH   DFND   0 0 6,070
American Growth Fd of America COM STK 399874106 327 6,495 SH   SOLE   0 0 6,495
American Water Works COM STK 030420103 254 1,950 SH   SOLE   0 0 1,950
Ameriprise Financial, Inc. COM STK 03076C106 908 3,603 SH   SOLE   0 0 3,603
Amgen, Inc. COM STK 031162100 1,163 5,160 SH   SOLE   0 0 5,160
Analog Devices, Inc. COM STK 032654105 361 2,590 SH   SOLE   0 0 2,590
Apple Computer, Inc. COM STK 037833100 29,253 211,669 SH   SOLE   3,790 0 207,879
Apple Computer, Inc. COM STK 037833100 55 400 SH   DFND   0 0 400
Automatic Data Processing COM STK 053015103 25,728 113,746 SH   SOLE   2,260 0 111,486
Automatic Data Processing COM STK 053015103 38 170 SH   DFND   0 0 170
Berkshire Hathaway Cl B COM STK 084670702 1,398 5,236 SH   SOLE   0 0 5,236
Bristol-Myers Squibb Co. COM STK 110122108 220 3,091 SH   SOLE   0 0 3,091
Broadcom Ltd. COM STK 11135F101 7,597 17,109 SH   SOLE   275 0 16,834
Broadcom Ltd. COM STK 11135F101 21 47 SH   DFND   0 0 47
California Water Services COM STK 130788102 211 4,000 SH   SOLE   0 0 4,000
Caterpillar, Inc. COM STK 149123101 294 1,791 SH   SOLE   0 0 1,791
Chevron Corporation COM STK 166764100 15,964 111,117 SH   SOLE   2,570 0 108,547
Chevron Corporation COM STK 166764100 17 115 SH   DFND   0 0 115
Cisco Systems, Inc. COM STK 17275R102 13,967 349,187 SH   SOLE   7,595 0 341,592
Cisco Systems, Inc. COM STK 17275R102 31 770 SH   DFND   0 0 770
Clorox Company COM STK 189054109 202 1,570 SH   SOLE   0 0 1,570
Coca Cola Co COM STK 191216100 21,421 382,374 SH   SOLE   9,055 0 373,319
Coca Cola Co COM STK 191216100 39 700 SH   DFND   0 0 700
Colgate Palmolive COM STK 194162103 10,331 147,064 SH   SOLE   2,840 0 144,224
Colgate Palmolive COM STK 194162103 17 245 SH   DFND   0 0 245
Costco Wholesale Corp. COM STK 22160K105 235 498 SH   SOLE   0 0 498
Danaher Corp. COM STK 235851102 339 1,314 SH   SOLE   0 0 1,314
Darden Restaurants Inc. COM STK 237194105 209 1,658 SH   SOLE   0 0 1,658
Deere & Co. COM STK 244199105 287 860 SH   SOLE   0 0 860
Dover Corp. COM STK 260003108 227 1,950 SH   SOLE   0 0 1,950
Eastman Chemical Co. COM STK 277432100 8,959 126,094 SH   SOLE   2,494 0 123,600
Eastman Chemical Co. COM STK 277432100 23 320 SH   DFND   0 0 320
Eaton Corp. COM STK G29183103 4,824 36,173 SH   SOLE   1,020 0 35,153
Eaton Corp. COM STK G29183103 15 112 SH   DFND   0 0 112
Eli Lilly Co COM STK 532457108 789 2,440 SH   SOLE   0 0 2,440
Expeditors Int'l of Washington COM STK 302130109 424 4,800 SH   SOLE   0 0 4,800
Exxon Mobil Corp COM STK 30231G102 2,181 24,977 SH   SOLE   200 0 24,777
General Electric COM STK 369604301 535 8,646 SH   SOLE   0 0 8,646
General Mills COM STK 370334104 431 5,627 SH   SOLE   0 0 5,627
Grainger, W.W., Inc. COM STK 384802104 1,029 2,104 SH   SOLE   0 0 2,104
Hanesbrands, Inc. COM STK 410345102 4,953 711,680 SH   SOLE   15,100 0 696,580
Hanesbrands, Inc. COM STK 410345102 14 1,960 SH   DFND   0 0 1,960
Home Depot, Inc. COM STK 437076102 23,489 85,124 SH   SOLE   1,925 0 83,199
Home Depot, Inc. COM STK 437076102 40 145 SH   DFND   0 0 145
Honeywell, Inc. COM STK 438516106 18,175 108,851 SH   SOLE   2,345 0 106,506
Honeywell, Inc. COM STK 438516106 38 230 SH   DFND   0 0 230
Intel Corp COM STK 458140100 1,551 60,172 SH   SOLE   2,000 0 58,172
Intl Business Machines Corp COM STK 459200101 667 5,612 SH   SOLE   0 0 5,612
J P Morgan Chase & Co COM STK 46625H100 22,757 217,775 SH   SOLE   4,600 0 213,175
J P Morgan Chase & Co COM STK 46625H100 44 420 SH   DFND   0 0 420
Johnson & Johnson COM STK 478160104 28,876 176,762 SH   SOLE   3,555 0 173,207
Johnson & Johnson COM STK 478160104 48 295 SH   DFND   0 0 295
Lockheed Martin Corp COM STK 539830109 290 750 SH   SOLE   0 0 750
McDonald's Corp COM STK 580135101 993 4,305 SH   SOLE   100 0 4,205
McGrath Rent Corp COM STK 580589109 591 7,050 SH   SOLE   0 0 7,050
Merck & Co, Inc. COM STK 58933Y105 560 6,504 SH   SOLE   0 0 6,504
Microsoft Corp COM STK 594918104 28,654 123,029 SH   SOLE   2,499 0 120,530
Microsoft Corp COM STK 594918104 55 237 SH   DFND   0 0 237
Mondelez Intl, Inc. COM STK 609207105 13,598 248,009 SH   SOLE   5,195 0 242,814
Mondelez Intl, Inc. COM STK 609207105 32 585 SH   DFND   0 0 585
NIKE, Inc. COM STK 654106103 225 2,710 SH   SOLE   0 0 2,710
Nextera Energy, Inc. COM STK 65339F101 14,763 188,274 SH   SOLE   3,438 0 184,836
Nextera Energy, Inc. COM STK 65339F101 33 424 SH   DFND   0 0 424
Norfolk Southern Grp COM STK 655844108 252 1,200 SH   SOLE   0 0 1,200
Oracle Corp COM STK 68389X105 350 5,739 SH   SOLE   0 0 5,739
Pepsico, Inc. COM STK 713448108 798 4,888 SH   SOLE   0 0 4,888
Pfizer, Inc. COM STK 717081103 354 8,085 SH   SOLE   0 0 8,085
Procter & Gamble Co COM STK 742718109 20,922 165,716 SH   SOLE   3,824 0 161,892
Procter & Gamble Co COM STK 742718109 31 245 SH   DFND   0 0 245
Prologis, Inc COM STK 74340W103 7,532 74,132 SH   SOLE   1,490 0 72,642
Prologis, Inc COM STK 74340W103 23 230 SH   DFND   0 0 230
S P D R Trust Unit SR COM STK 78462F103 339 950 SH   SOLE   0 0 950
Schwab US Large Cap ETF COM STK 808524201 420 9,919 SH   SOLE   0 0 9,919
Sempra Energy COM STK 816851109 203 1,356 SH   SOLE   0 0 1,356
Starbucks, Inc. COM STK 855244109 7,146 84,814 SH   SOLE   1,535 0 83,279
Starbucks, Inc. COM STK 855244109 21 253 SH   DFND   0 0 253
Stryker Corp. COM STK 863667101 17,995 88,845 SH   SOLE   1,280 0 87,565
Stryker Corp. COM STK 863667101 29 145 SH   DFND   0 0 145
T J X Cos Inc COM STK 872540109 346 5,565 SH   SOLE   0 0 5,565
Tesla Motors Inc. COM STK 88160R101 225 849 SH   SOLE   0 0 849
Texas Instruments COM STK 882508104 16,147 104,325 SH   SOLE   2,385 0 101,940
Texas Instruments COM STK 882508104 33 215 SH   DFND   0 0 215
Thermo Fisher Scientific, Inc. COM STK 883556102 221 435 SH   SOLE   0 0 435
US Bancorp COM STK 902973304 337 8,350 SH   SOLE   0 0 8,350
Union Pacific Corp COM STK 907818108 3,653 18,753 SH   SOLE   275 0 18,478
United Parcel Service COM STK 911312106 16,897 104,598 SH   SOLE   2,065 0 102,533
United Parcel Service COM STK 911312106 35 215 SH   DFND   0 0 215
UnitedHealth Group, Inc. COM STK 91324P102 19,130 37,879 SH   SOLE   579 0 37,300
UnitedHealth Group, Inc. COM STK 91324P102 40 79 SH   DFND   0 0 79
V F Corp COM STK 918204108 6,397 213,876 SH   SOLE   4,935 0 208,941
V F Corp COM STK 918204108 15 485 SH   DFND   0 0 485
Vanguard FTSE All-World Index COM STK 922042775 546 12,300 SH   SOLE   0 0 12,300
Vanguard Growth Viper COM STK 922908736 368 1,718 SH   SOLE   0 0 1,718
Vanguard Stock Market Index COM STK 922908728 1,194 13,677 SH   SOLE   0 0 13,677
Vanguard Total Stock Market COM STK 922908769 267 1,490 SH   SOLE   0 0 1,490
Vanguard Value Viper COM STK 922908744 223 1,807 SH   SOLE   0 0 1,807
Visa, Inc COM STK 92826C839 500 2,817 SH   SOLE   0 0 2,817
Wal Mart Stores, Inc. COM STK 931142103 308 2,376 SH   SOLE   0 0 2,376
Walt Disney Company COM STK 254687106 12,470 132,196 SH   SOLE   2,745 0 129,451
Walt Disney Company COM STK 254687106 31 330 SH   DFND   0 0 330
Wells Fargo & Co. COM STK 949746101 906 22,525 SH   SOLE   0 0 22,525
Xcel Energy, Inc. COM STK 98389B100 19,603 306,292 SH   SOLE   6,820 0 299,472
Xcel Energy, Inc. COM STK 98389B100 35 540 SH   DFND   0 0 540