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
Wells Fargo & Co New Perp Pfd CV PFD 949746804 1,154 845 SH   SOLE   575 0 270
Wells Fargo & Co New Perp Pfd CV PFD 949746804 403 295 SH   OTR   75 0 220
AG Mortgage Inv Tr 8 Pfd Ser B PRD 001228303 211 8,100 SH   SOLE   1,500 0 6,600
AG Mortgage Inv Tr 8 Pfd Ser B PRD 001228303 141 5,400 SH   OTR   4,000 0 1,400
AG Mortgage Inv Tr 8.25 Pfd Se PRD 001228204 235 9,100 SH   SOLE   0 0 9,100
AG Mortgage Inv Tr 8.25 Pfd Se PRD 001228204 52 2,000 SH   OTR   0 0 2,000
Anworth Mortgage Asset 7.625 P PRD 037347408 101 4,000 SH   OTR   4,000 0 0
Capital One Finl Pfd Ser H PRD 14040H840 44 1,700 SH   OTR   0 0 1,700
Golar LNG Partners LP 8.75 Cum PRD Y2745C110 100 4,000 SH   OTR   4,000 0 0
JPMorgan Chase 6.15 Pfd Ser H PRD 48127V827 265 10,200 SH   SOLE   0 0 10,200
JPMorgan Chase 6.15 Pfd Ser H PRD 48127V827 49 1,900 SH   OTR   0 0 1,900
Pennymac Mtg Invt Tr Pfd Ser A PRD 70931T301 104 4,000 SH   OTR   4,000 0 0
Two Harbor Invt Corp 7.50 Cum PRD 90187B705 766 30,950 SH   SOLE   16,050 0 14,900
Two Harbor Invt Corp 7.50 Cum PRD 90187B705 334 13,500 SH   OTR   7,900 0 5,600
3M Co. COM 88579Y101 503 2,902 SH   SOLE   225 0 2,677
3M Co. COM 88579Y101 293 1,690 SH   OTR   124 0 1,566
AFLAC Inc. COM 001055102 3,456 63,050 SH   SOLE   51,262 0 11,788
AFLAC Inc. COM 001055102 151 2,756 SH   OTR   156 0 2,600
AT&T Inc COM 00206R102 420 12,525 SH   SOLE   125 0 12,400
AT&T Inc COM 00206R102 3 81 SH   OTR   81 0 0
AbbVie Inc. COM 00287Y109 800 10,995 SH   SOLE   4,235 0 6,760
AbbVie Inc. COM 00287Y109 375 5,150 SH   OTR   250 0 4,900
Abbott Labs COM 002824100 152 1,810 SH   SOLE   0 0 1,810
Abbott Labs COM 002824100 429 5,100 SH   OTR   0 0 5,100
Adobe Sys Inc Com COM 00724F101 37 124 SH   SOLE   124 0 0
Adobe Sys Inc Com COM 00724F101 88 300 SH   OTR   0 0 300
Advanced Micro Devices Com COM 007903107 21,247 699,600 SH   SOLE   317,300 0 382,300
Advanced Micro Devices Com COM 007903107 446 14,700 SH   OTR   700 0 14,000
Albemarle Corp. COM 012653101 103 1,463 SH   SOLE   1,463 0 0
Albemarle Corp. COM 012653101 453 6,438 SH   OTR   6,438 0 0
Alphabet Inc Cap Stk Cl A COM 02079K305 17,510 16,171 SH   SOLE   8,404 0 7,767
Alphabet Inc Cap Stk Cl A COM 02079K305 983 908 SH   OTR   258 0 650
Alphabet Inc Cap Stk Cl C COM 02079K107 5,996 5,547 SH   SOLE   2,506 0 3,041
Alphabet Inc Cap Stk Cl C COM 02079K107 208 192 SH   OTR   114 0 78
Amazon Com Inc Com COM 023135106 252 133 SH   SOLE   8 0 125
Amer States Water Co COM 029899101 209 2,780 SH   OTR   0 0 2,780
Amgen, Inc. Com COM 031162100 634 3,440 SH   SOLE   1,765 0 1,675
Amgen, Inc. Com COM 031162100 59 322 SH   OTR   122 0 200
Apache Corp COM 037411105 194 6,710 SH   SOLE   1,310 0 5,400
Apache Corp COM 037411105 10 350 SH   OTR   0 0 350
Apple, Inc. COM 037833100 28,268 142,824 SH   SOLE   79,461 0 63,363
Apple, Inc. COM 037833100 1,916 9,679 SH   OTR   3,225 0 6,454
Applied Materials Inc. COM 038222105 4,189 93,285 SH   SOLE   73,385 0 19,900
Applied Materials Inc. COM 038222105 234 5,220 SH   OTR   500 0 4,720
Aptiv PLC COM G6095L109 12,470 154,270 SH   SOLE   67,570 0 86,700
Aptiv PLC COM G6095L109 586 7,255 SH   OTR   2,980 0 4,275
Avery Dennison Corp. COM 053611109 174 1,500 SH   SOLE   0 0 1,500
Avery Dennison Corp. COM 053611109 312 2,700 SH   OTR   2,700 0 0
B&G Foods Inc. COM 05508R106 976 46,900 SH   SOLE   22,900 0 24,000
B&G Foods Inc. COM 05508R106 67 3,200 SH   OTR   2,400 0 800
BP PLC Spons ADR COM 055622104 154 3,700 SH   SOLE   0 0 3,700
BP PLC Spons ADR COM 055622104 227 5,449 SH   OTR   0 0 5,449
Bank of New York Mellon COM 064058100 18 400 SH   OTR   0 0 400
Berkshire Hathaway Cl B COM 084670207 382 1,792 SH   SOLE   1,792 0 0
Berkshire Hathaway Cl B COM 084670207 12 55 SH   OTR   0 0 55
Boeing Co. COM 097023105 360 990 SH   SOLE   35 0 955
Bright Horizons Family Solutio COM 109194100 18,426 122,130 SH   SOLE   59,250 0 62,880
Bright Horizons Family Solutio COM 109194100 815 5,405 SH   OTR   355 0 5,050
Broadridge Financial Solutions COM 11133T103 20,719 162,273 SH   SOLE   80,433 0 81,840
Broadridge Financial Solutions COM 11133T103 946 7,410 SH   OTR   3,360 0 4,050
CSX Corp COM 126408103 50 650 SH   SOLE   650 0 0
CVS Caremark Corp COM 126650100 14 263 SH   SOLE   0 0 263
California Wtr Svc Group COM 130788102 152 3,000 SH   SOLE   0 0 3,000
Capital One Finl Corp COM 14040H105 14,575 160,619 SH   SOLE   70,555 0 90,064
Capital One Finl Corp COM 14040H105 490 5,402 SH   OTR   600 0 4,802
Cardinal Health Inc. COM 14149Y108 4 93 SH   SOLE   93 0 0
Charles Schwab Corp (New) COM 808513105 625 15,557 SH   SOLE   13,957 0 1,600
Charles Schwab Corp (New) COM 808513105 121 3,000 SH   OTR   3,000 0 0
Chevron Corp COM 166764100 3,505 28,166 SH   SOLE   19,533 0 8,633
Chevron Corp COM 166764100 3,168 25,461 SH   OTR   4,252 0 21,209
Cisco Systems COM 17275R102 6,880 125,701 SH   SOLE   90,601 0 35,100
Cisco Systems COM 17275R102 442 8,075 SH   OTR   1,850 0 6,225
Coca Cola Co COM 191216100 613 12,030 SH   SOLE   0 0 12,030
Coca Cola Co COM 191216100 10 200 SH   OTR   0 0 200
Comcast Corp New Cl A COM 20030N101 63 1,500 SH   SOLE   0 0 1,500
Constellation Brands Inc Cl A COM 21036P108 33 170 SH   SOLE   0 0 170
Corteva Inc COM 22052L104 126 4,264 SH   SOLE   2,016 0 2,248
Corteva Inc COM 22052L104 91 3,065 SH   OTR   1,599 0 1,466
Costco Wholesale COM 22160K105 21,582 81,669 SH   SOLE   39,103 0 42,566
Costco Wholesale COM 22160K105 843 3,191 SH   OTR   1,156 0 2,035
DR Horton Inc COM 23331A109 17,237 399,659 SH   SOLE   197,405 0 202,254
DR Horton Inc COM 23331A109 841 19,506 SH   OTR   8,640 0 10,866
Danaher Corp Del COM COM 235851102 20,342 142,333 SH   SOLE   67,598 0 74,735
Danaher Corp Del COM COM 235851102 1,515 10,600 SH   OTR   2,845 0 7,755
Deere & Co COM 244199105 10 63 SH   SOLE   63 0 0
Disney Walt Co Del COM 254687106 16,086 115,196 SH   SOLE   48,690 0 66,506
Disney Walt Co Del COM 254687106 992 7,102 SH   OTR   1,811 0 5,291
Dow Inc COM 260557103 210 4,264 SH   SOLE   2,016 0 2,248
Dow Inc COM 260557103 186 3,765 SH   OTR   2,299 0 1,466
Dupont De Nemours Inc Com COM 26614N102 320 4,264 SH   SOLE   2,016 0 2,248
Dupont De Nemours Inc Com COM 26614N102 203 2,699 SH   OTR   1,233 0 1,466
Eaton Corp COM G29183103 44 530 SH   SOLE   80 0 450
Ecolab Inc Com COM 278865100 118 600 SH   SOLE   0 0 600
Edwards Lifesciences Inc. COM 28176E108 9,071 49,100 SH   SOLE   4,000 0 45,100
Energy Transfer LP UT Ltd Ptn COM 29273V100 68 4,800 SH   SOLE   0 0 4,800
Exxon Mobil Corp COM 30231G102 813 10,608 SH   SOLE   3,250 0 7,358
Exxon Mobil Corp COM 30231G102 216 2,823 SH   OTR   750 0 2,073
Fiserv Inc Com COM 337738108 17,530 192,297 SH   SOLE   89,707 0 102,590
Fiserv Inc Com COM 337738108 1,246 13,670 SH   OTR   3,600 0 10,070
Fortive Corp. COM 34959J108 14,908 182,870 SH   SOLE   78,190 0 104,680
Fortive Corp. COM 34959J108 754 9,245 SH   OTR   2,945 0 6,300
Franco Nevada Corp COM 351858105 51 600 SH   SOLE   0 0 600
Franklin Res Inc COM 354613101 15 423 SH   SOLE   423 0 0
GW Pharmaceuticals PLC ADS COM 36197T103 20 115 SH   OTR   0 0 115
Garrett Motion Inc COM 366505105 1 59 SH   SOLE   59 0 0
General Elec Co COM 369604103 299 28,500 SH   SOLE   19,100 0 9,400
General Elec Co COM 369604103 86 8,148 SH   OTR   0 0 8,148
Gilead Sciences Inc. COM 375558103 1,390 20,580 SH   SOLE   4,925 0 15,655
Gilead Sciences Inc. COM 375558103 115 1,700 SH   OTR   0 0 1,700
Halliburton Co COM 406216101 955 42,000 SH   SOLE   19,350 0 22,650
Halliburton Co COM 406216101 246 10,825 SH   OTR   7,225 0 3,600
Hexcel Corp COM 428291108 22,011 272,142 SH   SOLE   132,388 0 139,754
Hexcel Corp COM 428291108 950 11,740 SH   OTR   1,040 0 10,700
Home Depot Inc COM 437076102 15,783 75,892 SH   SOLE   36,167 0 39,725
Home Depot Inc COM 437076102 1,022 4,912 SH   OTR   1,462 0 3,450
Hon Hai Precision Inds ORD COM Y36861105 3 1,000 SH   OTR   1,000 0 0
Honeywell Intl Inc COM 438516106 103 590 SH   SOLE   590 0 0
IHS Markit LTD COM G47567105 140 2,200 SH   SOLE   0 0 2,200
IQVIA Holdings Inc COM 46266C105 21,198 131,746 SH   SOLE   63,088 0 68,658
IQVIA Holdings Inc COM 46266C105 1,142 7,100 SH   OTR   450 0 6,650
Illumina Inc Com COM 452327109 6,627 18,000 SH   SOLE   0 0 18,000
Int'l Bus Mach COM 459200101 124 900 SH   OTR   0 0 900
Intel Corp COM 458140100 400 8,355 SH   SOLE   700 0 7,655
Intel Corp COM 458140100 19 400 SH   OTR   0 0 400
Intercontinental Exchange Grou COM 45866F104 18,935 220,331 SH   SOLE   105,451 0 114,880
Intercontinental Exchange Grou COM 45866F104 1,316 15,310 SH   OTR   4,175 0 11,135
Intuitive Surgical Inc Com New COM 46120E602 180 344 SH   SOLE   0 0 344
JPMorgan Chase & Co COM 46625H100 6,788 60,720 SH   SOLE   4,270 0 56,450
JPMorgan Chase & Co COM 46625H100 442 3,950 SH   OTR   250 0 3,700
Johnson & Johnson COM 478160104 18,048 129,584 SH   SOLE   59,238 0 70,346
Johnson & Johnson COM 478160104 1,052 7,552 SH   OTR   2,592 0 4,960
Kimberly Clark Corp COM 494368103 147 1,100 SH   SOLE   0 0 1,100
Kontoor Brands Inc COM 50050N103 7 245 SH   SOLE   217 0 28
Lowes Cos Inc Com COM 548661107 49 488 SH   SOLE   0 0 488
Marsh & McLennan Cos Inc. COM 571748102 199 2,000 SH   SOLE   0 0 2,000
McDonalds Corp COM 580135101 426 2,050 SH   SOLE   0 0 2,050
McDonalds Corp COM 580135101 88 425 SH   OTR   0 0 425
Merck & Co Inc COM 58933Y105 10,598 126,388 SH   SOLE   99,348 0 27,040
Merck & Co Inc COM 58933Y105 464 5,530 SH   OTR   405 0 5,125
Microsoft Corp COM 594918104 1,024 7,645 SH   SOLE   2,011 0 5,634
Microsoft Corp COM 594918104 334 2,493 SH   OTR   60 0 2,433
Nestle SA Spons ADR (For Reg) COM 641069406 6,234 60,290 SH   SOLE   53,584 0 6,706
Nestle SA Spons ADR (For Reg) COM 641069406 571 5,523 SH   OTR   2,500 0 3,023
Nike, Inc. Cl B COM 654106103 10 125 SH   OTR   0 0 125
Norfolk Southern Corp COM 655844108 239 1,200 SH   SOLE   0 0 1,200
OGE Energy Corp. COM 670837103 20 480 SH   SOLE   480 0 0
Occidental Pete Corp D COM 674599105 272 5,400 SH   SOLE   3,300 0 2,100
Occidental Pete Corp D COM 674599105 30 600 SH   OTR   200 0 400
Oracle Systems Corp COM 68389X105 376 6,600 SH   SOLE   6,000 0 600
Paccar Inc COM 693718108 183 2,550 SH   SOLE   0 0 2,550
Panasonic Corp ADR (new) COM 69832A205 4 465 SH   SOLE   465 0 0
PayPal Holdings Inc. COM 70450Y103 26,312 229,881 SH   SOLE   108,076 0 121,805
PayPal Holdings Inc. COM 70450Y103 1,763 15,406 SH   OTR   4,956 0 10,450
Pepsico Inc COM 713448108 16,867 128,629 SH   SOLE   57,323 0 71,306
Pepsico Inc COM 713448108 891 6,792 SH   OTR   1,265 0 5,527
Pfizer Inc COM 717081103 246 5,680 SH   SOLE   1,380 0 4,300
Pfizer Inc COM 717081103 697 16,080 SH   OTR   1,500 0 14,580
Procter & Gamble Co. COM 742718109 1,948 17,767 SH   SOLE   4,299 0 13,468
Procter & Gamble Co. COM 742718109 1,495 13,638 SH   OTR   700 0 12,938
Regeneron Pharmaceutical Com COM 75886F107 1,288 4,116 SH   SOLE   3,466 0 650
Resideo Technologies Inc COM 76118Y104 2 98 SH   SOLE   98 0 0
Roper Technologies Inc COM 776696106 21,354 58,303 SH   SOLE   27,563 0 30,740
Roper Technologies Inc COM 776696106 1,295 3,535 SH   OTR   1,085 0 2,450
Ross Stores Inc. COM 778296103 585 5,900 SH   SOLE   5,900 0 0
Royal Dutch Shell PLC Spons AD COM 780259206 1,794 27,574 SH   SOLE   25,374 0 2,200
Salesforce.com Inc COM 79466L302 8,513 56,105 SH   SOLE   14,580 0 41,525
Salesforce.com Inc COM 79466L302 152 1,000 SH   OTR   0 0 1,000
Sanofi - ADR COM 80105N105 90 2,075 SH   SOLE   75 0 2,000
Sanofi - ADR COM 80105N105 58 1,350 SH   OTR   0 0 1,350
Schlumberger Ltd COM 806857108 7,046 177,293 SH   SOLE   9,673 0 167,620
Schlumberger Ltd COM 806857108 115 2,895 SH   OTR   470 0 2,425
Sempra Energy COM 816851109 110 800 SH   SOLE   0 0 800
Sempra Energy COM 816851109 223 1,624 SH   OTR   1,624 0 0
Sibanye-Stillwater Spons ADR COM 825724206 45 9,547 SH   SOLE   0 0 9,547
Siemens AG Spons ADR (new) COM 826197501 87 1,468 SH   SOLE   0 0 1,468
Smith & Nephew PLC Spons ADR COM 83175M205 355 8,150 SH   SOLE   0 0 8,150
Southwestern Energy Co COM 845467109 13 4,028 SH   SOLE   2,285 0 1,743
Starbucks Corp COM 855244109 34 400 SH   OTR   400 0 0
State Street Corp COM 857477103 70 1,250 SH   SOLE   0 0 1,250
State Street Corp COM 857477103 25 450 SH   OTR   0 0 450
Tredegar Corp. COM 894650100 24 1,455 SH   SOLE   1,455 0 0
Union Pac Corp COM 907818108 21 124 SH   SOLE   124 0 0
United Parcel Service Cl B COM 911312106 279 2,700 SH   SOLE   2,700 0 0
United Technologies COM 913017109 213 1,634 SH   SOLE   0 0 1,634
Universal Display Corp Com COM 91347P105 132 700 SH   SOLE   0 0 700
V F Corp COM 918204108 153 1,750 SH   SOLE   1,550 0 200
Vail Resorts Inc. COM 91879Q109 14,202 63,635 SH   SOLE   29,900 0 33,735
Vail Resorts Inc. COM 91879Q109 677 3,035 SH   OTR   1,145 0 1,890
Verisign Inc. Com. COM 92343E102 1,263 6,038 SH   SOLE   6,038 0 0
Verizon Communications COM 92343V104 1,325 23,190 SH   SOLE   14,900 0 8,290
Verizon Communications COM 92343V104 205 3,585 SH   OTR   1,450 0 2,135
Vertex Pharmaceuticals Com COM 92532F100 1,304 7,113 SH   SOLE   2,472 0 4,641
Vertex Pharmaceuticals Com COM 92532F100 353 1,925 SH   OTR   325 0 1,600
Visa Inc Cl A COM 92826C839 23,313 134,332 SH   SOLE   58,958 0 75,374
Visa Inc Cl A COM 92826C839 1,646 9,486 SH   OTR   2,645 0 6,841
Vivendi ORD Shs COM F97982106 22 792 SH   SOLE   792 0 0
Wabtec Corp COM 929740108 11 150 SH   SOLE   101 0 49
Wabtec Corp COM 929740108 3 44 SH   OTR   4 0 40
Walgreens Boots Alliance Inc COM 931427108 41 745 SH   SOLE   0 0 745
Walgreens Boots Alliance Inc COM 931427108 103 1,891 SH   OTR   0 0 1,891
Wisdomtree Tr India Erngs Fd COM 97717W422 6 220 SH   SOLE   220 0 0
Zoetis Inc Cl A COM 98978V103 13 118 SH   SOLE   118 0 0
Zoetis Inc Cl A COM 98978V103 117 1,028 SH   OTR   0 0 1,028
Aberdeen Emerging Markets Fd C EQ FDS 003021250 36 2,349 SH   SOLE   0 0 2,349
Matthews Asia Small Companies EQ FDS 577125206 23 1,331 SH   SOLE   0 0 1,331
Schwab S&P 500 Index Fd EQ FDS 808509855 49 1,084 SH   SOLE   1,084 0 0
Schwab Small Cap Index Fd EQ FDS 808509848 48 1,657 SH   SOLE   1,657 0 0