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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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M Company COM STK 88579y101   3,679,599 30,684 SH   SOLE   975 0 29,709
AFLAC, Inc. COM STK 001055102   762,564 10,600 SH   SOLE   0 0 10,600
AT & T, Inc. COM STK 00206r102   10,693,886 580,874 SH   SOLE   10,140 0 570,734
AT & T, Inc. COM STK 00206r102   20,067 1,090 SH   DFND   0 0 1,090
AbbVie, Inc. COM STK 00287Y109   336,149 2,080 SH   SOLE   0 0 2,080
Abbott Laboratories COM STK 002824100   21,445,566 195,333 SH   SOLE   3,780 0 191,553
Abbott Laboratories COM STK 002824100   37,548 342 SH   DFND   0 0 342
Accenture Ltd COM STK G1151C101   270,576 1,014 SH   SOLE   0 0 1,014
Allstate Corp. COM STK 020002101   263,606 1,944 SH   SOLE   0 0 1,944
Alphabet Inc. Class A COM STK 02079K305   842,786 9,552 SH   SOLE   0 0 9,552
Alphabet Inc. Class C COM STK 02079K107   903,271 10,180 SH   SOLE   0 0 10,180
Amazon.Com Inc. COM STK 023135106   280,074 3,334 SH   SOLE   0 0 3,334
Amcor plc COM STK g0250x107   624,239 52,413 SH   SOLE   0 0 52,413
American Express COM STK 025816109   16,647,250 112,672 SH   SOLE   1,875 0 110,797
American Express COM STK 025816109   31,175 211 SH   DFND   0 0 211
American Funds Balanced Fd COM STK 024071409   513,545 17,875 SH   SOLE   0 0 17,875
American Funds Balanced Fd COM STK 024071409   175,245 6,100 SH   DFND   0 0 6,100
American Growth Fd of America COM STK 399874106   321,427 6,495 SH   SOLE   0 0 6,495
American Water Works COM STK 030420103   297,219 1,950 SH   SOLE   0 0 1,950
Ameriprise Financial, Inc. COM STK 03076C106   1,121,866 3,603 SH   SOLE   0 0 3,603
Amgen, Inc. COM STK 031162100   1,302,694 4,960 SH   SOLE   0 0 4,960
Analog Devices, Inc. COM STK 032654105   424,838 2,590 SH   SOLE   0 0 2,590
Apple Computer, Inc. COM STK 037833100   27,405,098 210,922 SH   SOLE   3,035 0 207,887
Apple Computer, Inc. COM STK 037833100   51,972 400 SH   DFND   0 0 400
Automatic Data Processing COM STK 053015103   25,349,858 106,129 SH   SOLE   1,845 0 104,284
Automatic Data Processing COM STK 053015103   37,023 155 SH   DFND   0 0 155
Berkshire Hathaway Cl B COM STK 084670702   1,578,170 5,109 SH   SOLE   0 0 5,109
Boeing Company COM STK 097023105   224,181 1,177 SH   SOLE   0 0 1,177
Bristol-Myers Squibb Co. COM STK 110122108   222,397 3,091 SH   SOLE   0 0 3,091
Broadcom Ltd. COM STK 11135F101   11,267,588 20,152 SH   SOLE   285 0 19,867
Broadcom Ltd. COM STK 11135F101   26,279 47 SH   DFND   0 0 47
California Water Services COM STK 130788102   242,560 4,000 SH   SOLE   0 0 4,000
Caterpillar, Inc. COM STK 149123101   209,136 873 SH   SOLE   0 0 873
Chevron Corporation COM STK 166764100   18,424,476 102,649 SH   SOLE   2,195 0 100,454
Chevron Corporation COM STK 166764100   20,641 115 SH   DFND   0 0 115
Cintas Corp COM STK 172908105   203,229 450 SH   SOLE   0 0 450
Cisco Systems, Inc. COM STK 17275R102   16,668,665 349,888 SH   SOLE   6,495 0 343,393
Cisco Systems, Inc. COM STK 17275R102   36,683 770 SH   DFND   0 0 770
Clorox Company COM STK 189054109   220,318 1,570 SH   SOLE   0 0 1,570
Coca Cola Co COM STK 191216100   23,899,821 375,724 SH   SOLE   7,955 0 367,769
Coca Cola Co COM STK 191216100   44,527 700 SH   DFND   0 0 700
Colgate Palmolive COM STK 194162103   11,241,325 142,675 SH   SOLE   2,440 0 140,235
Colgate Palmolive COM STK 194162103   19,304 245 SH   DFND   0 0 245
Costco Wholesale Corp. COM STK 22160K105   204,640 448 SH   SOLE   0 0 448
Danaher Corp. COM STK 235851102   351,416 1,324 SH   SOLE   0 0 1,324
Darden Restaurants Inc. COM STK 237194105   229,351 1,658 SH   SOLE   0 0 1,658
Deere & Co. COM STK 244199105   366,590 855 SH   SOLE   0 0 855
Dover Corp. COM STK 260003108   264,050 1,950 SH   SOLE   0 0 1,950
DuPont COM STK 26614N102   211,929 3,088 SH   SOLE   0 0 3,088
Eastman Chemical Co. COM STK 277432100   11,862,395 145,658 SH   SOLE   2,140 0 143,518
Eastman Chemical Co. COM STK 277432100   29,318 360 SH   DFND   0 0 360
Eaton Corp. COM STK G29183103   7,116,898 45,345 SH   SOLE   940 0 44,405
Eaton Corp. COM STK G29183103   17,578 112 SH   DFND   0 0 112
Eli Lilly Co COM STK 532457108   856,066 2,340 SH   SOLE   0 0 2,340
Estee Lauder Companies Inc. COM STK 518439104   212,382 856 SH   SOLE   0 0 856
Expeditors Int'l of Washington COM STK 302130109   498,816 4,800 SH   SOLE   0 0 4,800
Exxon Mobil Corp COM STK 30231G102   2,452,341 22,233 SH   SOLE   0 0 22,233
General Electric COM STK 369604301   622,560 7,430 SH   SOLE   0 0 7,430
General Mills COM STK 370334104   421,514 5,027 SH   SOLE   0 0 5,027
Grainger, W.W., Inc. COM STK 384802104   1,114,725 2,004 SH   SOLE   0 0 2,004
Hanesbrands, Inc. COM STK 410345102   967,444 152,114 SH   SOLE   0 0 152,114
Hanesbrands, Inc. COM STK 410345102   954 150 SH   DFND   0 0 150
Home Depot, Inc. COM STK 437076102   26,671,606 84,441 SH   SOLE   1,620 0 82,821
Home Depot, Inc. COM STK 437076102   47,063 149 SH   DFND   0 0 149
Honeywell, Inc. COM STK 438516106   23,246,761 108,478 SH   SOLE   2,015 0 106,463
Honeywell, Inc. COM STK 438516106   46,289 216 SH   DFND   0 0 216
Intel Corp COM STK 458140100   1,271,819 48,120 SH   SOLE   1,700 0 46,420
Intl Business Machines Corp COM STK 459200101   734,178 5,211 SH   SOLE   0 0 5,211
J P Morgan Chase & Co COM STK 46625H100   29,295,425 218,460 SH   SOLE   3,780 0 214,680
J P Morgan Chase & Co COM STK 46625H100   56,322 420 SH   DFND   0 0 420
Johnson & Johnson COM STK 478160104   30,701,516 173,799 SH   SOLE   3,185 0 170,614
Johnson & Johnson COM STK 478160104   47,696 270 SH   DFND   0 0 270
Johnson Controls, Inc. COM STK 478366107   226,944 3,546 SH   SOLE   0 0 3,546
Lockheed Martin Corp COM STK 539830109   364,868 750 SH   SOLE   0 0 750
McDonald's Corp COM STK 580135101   1,088,383 4,130 SH   SOLE   0 0 4,130
McGrath Rent Corp COM STK 580589109   696,117 7,050 SH   SOLE   0 0 7,050
Merck & Co, Inc. COM STK 58933Y105   724,393 6,529 SH   SOLE   0 0 6,529
Microsoft Corp COM STK 594918104   29,513,333 123,065 SH   SOLE   2,060 0 121,005
Microsoft Corp COM STK 594918104   54,439 227 SH   DFND   0 0 227
Mondelez Intl, Inc. COM STK 609207105   16,503,839 247,619 SH   SOLE   4,250 0 243,369
Mondelez Intl, Inc. COM STK 609207105   34,991 525 SH   DFND   0 0 525
NIKE, Inc. COM STK 654106103   328,798 2,810 SH   SOLE   0 0 2,810
Nextera Energy, Inc. COM STK 65339F101   16,070,428 192,230 SH   SOLE   2,958 0 189,272
Nextera Energy, Inc. COM STK 65339F101   35,446 424 SH   DFND   0 0 424
Norfolk Southern Grp COM STK 655844108   295,704 1,200 SH   SOLE   0 0 1,200
Oracle Corp COM STK 68389X105   458,725 5,612 SH   SOLE   0 0 5,612
Pepsico, Inc. COM STK 713448108   854,883 4,732 SH   SOLE   0 0 4,732
Pfizer, Inc. COM STK 717081103   365,239 7,128 SH   SOLE   0 0 7,128
Procter & Gamble Co COM STK 742718109   24,835,541 163,866 SH   SOLE   3,135 0 160,731
Procter & Gamble Co COM STK 742718109   37,132 245 SH   DFND   0 0 245
Prologis, Inc COM STK 74340W103   9,399,202 83,378 SH   SOLE   1,330 0 82,048
Prologis, Inc COM STK 74340W103   25,928 230 SH   DFND   0 0 230
Schwab US Large Cap ETF COM STK 808524201   435,842 9,653 SH   SOLE   0 0 9,653
Starbucks, Inc. COM STK 855244109   9,522,606 95,994 SH   SOLE   1,335 0 94,659
Starbucks, Inc. COM STK 855244109   25,098 253 SH   DFND   0 0 253
Stryker Corp. COM STK 863667101   21,903,333 89,588 SH   SOLE   1,200 0 88,388
Stryker Corp. COM STK 863667101   35,451 145 SH   DFND   0 0 145
T J X Cos Inc COM STK 872540109   410,736 5,160 SH   SOLE   0 0 5,160
Texas Instruments COM STK 882508104   17,179,117 103,977 SH   SOLE   2,060 0 101,917
Texas Instruments COM STK 882508104   35,522 215 SH   DFND   0 0 215
Thermo Fisher Scientific, Inc. COM STK 883556102   239,550 435 SH   SOLE   0 0 435
US Bancorp COM STK 902973304   364,144 8,350 SH   SOLE   0 0 8,350
Union Pacific Corp COM STK 907818108   3,617,720 17,471 SH   SOLE   200 0 17,271
United Parcel Service COM STK 911312106   18,230,719 104,871 SH   SOLE   1,730 0 103,141
United Parcel Service COM STK 911312106   37,376 215 SH   DFND   0 0 215
UnitedHealth Group, Inc. COM STK 91324P102   19,739,523 37,232 SH   SOLE   510 0 36,722
UnitedHealth Group, Inc. COM STK 91324P102   41,884 79 SH   DFND   0 0 79
V F Corp COM STK 918204108   4,866,460 176,257 SH   SOLE   4,435 0 171,822
V F Corp COM STK 918204108   13,391 485 SH   DFND   0 0 485
Vanguard FTSE All-World Index COM STK 922042775   616,722 12,300 SH   SOLE   0 0 12,300
Vanguard Growth Viper COM STK 922908736   344,812 1,618 SH   SOLE   0 0 1,618
Vanguard Stock Market Index COM STK 922908728   1,273,359 13,677 SH   SOLE   0 0 13,677
Vanguard Total Stock Market COM STK 922908769   284,873 1,490 SH   SOLE   0 0 1,490
Vanguard Value Viper COM STK 922908744   253,649 1,807 SH   SOLE   0 0 1,807
Visa, Inc COM STK 92826C839   574,872 2,767 SH   SOLE   0 0 2,767
Wal Mart Stores, Inc. COM STK 931142103   336,893 2,376 SH   SOLE   0 0 2,376
Walt Disney Company COM STK 254687106   11,819,418 136,043 SH   SOLE   2,810 0 133,233
Walt Disney Company COM STK 254687106   29,105 335 SH   DFND   0 0 335
Wells Fargo & Co. COM STK 949746101   835,762 20,241 SH   SOLE   0 0 20,241
Xcel Energy, Inc. COM STK 98389B100   21,368,068 304,779 SH   SOLE   5,870 0 298,909
Xcel Energy, Inc. COM STK 98389B100   37,859 540 SH   DFND   0 0 540