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
AG Mortgage Inv Tr 8 Pfd Ser B PRD 001228303 160 6,600 SH   SOLE   0 0 6,600
AG Mortgage Inv Tr 8 Pfd Ser B PRD 001228303 131 5,400 SH   OTR   4,000 0 1,400
AG Mortgage Inv Tr 8.25 Pfd Se PRD 001228204 42 1,700 SH   SOLE   0 0 1,700
AG Mortgage Inv Tr 8.25 Pfd Se PRD 001228204 49 2,000 SH   OTR   0 0 2,000
Capital One Finl Corp DP Shs P PRD 14040H824 31 1,200 SH   OTR   1,200 0 0
Capital One Finl Pfd Ser H PRD 14040H840 44 1,700 SH   OTR   0 0 1,700
Energy Transfer Operat 7.625 P PRD 29278N400 103 4,300 SH   SOLE   1,800 0 2,500
Energy Transfer Operat 7.625 P PRD 29278N400 37 1,550 SH   OTR   1,550 0 0
Golar LNG Partners LP 8.75 Cum PRD Y2745C110 103 4,000 SH   OTR   4,000 0 0
JPMorgan Chase 6.15 Pfd Ser H PRD 48127V827 428 16,700 SH   SOLE   0 0 16,700
JPMorgan Chase 6.15 Pfd Ser H PRD 48127V827 49 1,900 SH   OTR   0 0 1,900
New Residential Inv Cp 7.125 C PRD 64828T409 1,063 42,900 SH   SOLE   24,000 0 18,900
New Residential Inv Cp 7.125 C PRD 64828T409 265 10,700 SH   OTR   7,200 0 3,500
Pennymac Mtg Invt Tr Pfd Ser A PRD 70931T301 104 4,000 SH   OTR   4,000 0 0
Ready Capital Corp 7.625 Pfd S PRD 75574U804 187 7,500 SH   SOLE   5,000 0 2,500
Ready Capital Corp 7.625 Pfd S PRD 75574U804 139 5,550 SH   OTR   5,550 0 0
Wells Fargo & Co New Perp Pfd PRD 949746804 1,200 845 SH   SOLE   575 0 270
Wells Fargo & Co New Perp Pfd PRD 949746804 468 330 SH   OTR   110 0 220
3M Co. COM 88579Y101 254 1,320 SH   SOLE   470 0 850
3M Co. COM 88579Y101 255 1,323 SH   OTR   324 0 999
AFLAC Inc. COM 001055102 3,262 63,731 SH   SOLE   55,143 0 8,588
AFLAC Inc. COM 001055102 133 2,600 SH   OTR   0 0 2,600
AT&T Inc COM 00206R102 697 23,042 SH   SOLE   11,306 0 11,736
AT&T Inc COM 00206R102 30 1,000 SH   OTR   0 0 1,000
AbbVie Inc. COM 00287Y109 1,017 9,395 SH   SOLE   7,235 0 2,160
AbbVie Inc. COM 00287Y109 536 4,950 SH   OTR   250 0 4,700
Abbott Labs COM 002824100 199 1,660 SH   SOLE   0 0 1,660
Abbott Labs COM 002824100 527 4,400 SH   OTR   0 0 4,400
Adobe Sys Inc Com COM 00724F101 59 124 SH   SOLE   124 0 0
Adobe Sys Inc Com COM 00724F101 119 250 SH   OTR   0 0 250
Advanced Micro Devices Com COM 007903107 14,166 180,455 SH   SOLE   134,180 0 46,275
Advanced Micro Devices Com COM 007903107 540 6,875 SH   OTR   275 0 6,600
Albemarle Corp. COM 012653101 12,949 88,623 SH   SOLE   60,208 0 28,415
Albemarle Corp. COM 012653101 1,649 11,288 SH   OTR   6,888 0 4,400
Alphabet Inc Cap Stk Cl A COM 02079K305 19,445 9,428 SH   SOLE   6,828 0 2,600
Alphabet Inc Cap Stk Cl A COM 02079K305 1,792 869 SH   OTR   224 0 645
Alphabet Inc Cap Stk Cl C COM 02079K107 5,428 2,624 SH   SOLE   2,206 0 418
Alphabet Inc Cap Stk Cl C COM 02079K107 397 192 SH   OTR   114 0 78
Amazon Com Inc Com COM 023135106 334 108 SH   SOLE   8 0 100
Amer States Water Co COM 029899101 210 2,780 SH   OTR   0 0 2,780
American Tower Corp NE Com COM 03027X100 9,164 38,335 SH   SOLE   23,640 0 14,695
American Tower Corp NE Com COM 03027X100 1,381 5,775 SH   OTR   1,525 0 4,250
Amgen, Inc. Com COM 031162100 741 2,980 SH   SOLE   2,980 0 0
Amgen, Inc. Com COM 031162100 72 290 SH   OTR   90 0 200
Anheuser Busch Inbev S Sponsor COM 03524A108 57 900 SH   SOLE   0 0 900
Apache Corp COM 037411105 1 60 SH   SOLE   60 0 0
Apple, Inc. COM 037833100 26,356 215,767 SH   SOLE   160,666 0 55,101
Apple, Inc. COM 037833100 2,879 23,568 SH   OTR   5,692 0 17,876
Applied Materials Inc. COM 038222105 5,635 42,175 SH   SOLE   32,475 0 9,700
Applied Materials Inc. COM 038222105 564 4,220 SH   OTR   200 0 4,020
Avery Dennison Corp. COM 053611109 514 2,800 SH   SOLE   1,800 0 1,000
BP PLC Spons ADR COM 055622104 84 3,432 SH   SOLE   2,200 0 1,232
BP PLC Spons ADR COM 055622104 59 2,414 SH   OTR   0 0 2,414
Bank of New York Mellon COM 064058100 19 400 SH   OTR   0 0 400
Baxter Intl Inc COM 071813109 62 735 SH   SOLE   0 0 735
Berkshire Hathaway Cl B COM 084670207 458 1,792 SH   SOLE   1,792 0 0
Boeing Co. COM 097023105 243 955 SH   SOLE   480 0 475
Broadridge Financial Solutions COM 11133T103 13,623 88,978 SH   SOLE   65,538 0 23,440
Broadridge Financial Solutions COM 11133T103 1,202 7,850 SH   OTR   3,250 0 4,600
CSX Corp COM 126408103 63 650 SH   SOLE   650 0 0
California Wtr Svc Group COM 130788102 141 2,500 SH   SOLE   0 0 2,500
Capital One Finl Corp COM 14040H105 11,838 93,044 SH   SOLE   61,585 0 31,459
Capital One Finl Corp COM 14040H105 1,101 8,652 SH   OTR   3,050 0 5,602
Cardinal Health Inc. COM 14149Y108 6 93 SH   SOLE   93 0 0
Charles Schwab Corp (New) COM 808513105 1,007 15,457 SH   SOLE   13,857 0 1,600
Charles Schwab Corp (New) COM 808513105 131 2,011 SH   OTR   2,011 0 0
Chevron Corp COM 166764100 776 7,404 SH   SOLE   5,679 0 1,725
Chevron Corp COM 166764100 2,106 20,094 SH   OTR   2,852 0 17,242
Cisco Systems COM 17275R102 5,311 102,710 SH   SOLE   79,910 0 22,800
Cisco Systems COM 17275R102 407 7,875 SH   OTR   1,850 0 6,025
CitiGroup Inc COM 172967424 73 1,000 SH   SOLE   1,000 0 0
Coca Cola Co COM 191216100 349 6,630 SH   SOLE   2,300 0 4,330
Coca Cola Co COM 191216100 11 200 SH   OTR   0 0 200
Comcast Corp New Cl A COM 20030N101 81 1,500 SH   SOLE   0 0 1,500
Consolidated Edison Inc COM 209115104 32 430 SH   SOLE   0 0 430
Constellation Brands Inc Cl A COM 21036P108 39 170 SH   SOLE   0 0 170
Costco Wholesale COM 22160K105 13,350 37,874 SH   SOLE   27,491 0 10,383
Costco Wholesale COM 22160K105 1,068 3,031 SH   OTR   1,156 0 1,875
Danaher Corp Del COM COM 235851102 14,361 63,803 SH   SOLE   42,993 0 20,810
Danaher Corp Del COM COM 235851102 1,788 7,945 SH   OTR   2,220 0 5,725
Deere & Co COM 244199105 24 63 SH   SOLE   63 0 0
Digital Rlty Tr Inc Com COM 253868103 14 100 SH   SOLE   0 0 100
Disney Walt Co Del COM 254687106 10,746 58,237 SH   SOLE   41,211 0 17,026
Disney Walt Co Del COM 254687106 1,319 7,147 SH   OTR   1,981 0 5,166
Dow Inc COM 260557103 973 15,223 SH   SOLE   14,740 0 483
Dow Inc COM 260557103 184 2,882 SH   OTR   1,449 0 1,433
East West Bancorp Inc Com COM 27579R104 16 213 SH   SOLE   213 0 0
Ecolab Inc Com COM 278865100 128 600 SH   SOLE   0 0 600
Edwards Lifesciences Inc. COM 28176E108 2,181 26,075 SH   SOLE   11,925 0 14,150
Electronic Arts Inc COM 285512109 14 106 SH   SOLE   106 0 0
Enterprise Prods Prtn LP COM 293792107 22 1,000 SH   SOLE   0 0 1,000
Etsy Inc Com COM 29786A106 71 350 SH   SOLE   350 0 0
Exact Sciences Corp. COM 30063P105 79 600 SH   SOLE   200 0 400
Exxon Mobil Corp COM 30231G102 123 2,199 SH   SOLE   100 0 2,099
Exxon Mobil Corp COM 30231G102 181 3,245 SH   OTR   1,884 0 1,361
Facebook Inc Cl A COM 30303M102 29 100 SH   SOLE   100 0 0
Fiserv Inc Com COM 337738108 12,433 104,447 SH   SOLE   72,637 0 31,810
Fiserv Inc Com COM 337738108 1,559 13,100 SH   OTR   3,450 0 9,650
Flir Systems Inc. COM 302445101 8,708 154,205 SH   SOLE   96,905 0 57,300
Flir Systems Inc. COM 302445101 1,056 18,700 SH   OTR   7,500 0 11,200
Franco Nevada Corp COM 351858105 38 300 SH   SOLE   0 0 300
Frontier Communications COM 35906A306 0 4 SH   SOLE   0 0 4
GW Pharmaceuticals PLC ADS COM 36197T103 25 115 SH   OTR   0 0 115
General Elec Co COM 369604103 404 30,800 SH   SOLE   25,400 0 5,400
General Elec Co COM 369604103 107 8,148 SH   OTR   0 0 8,148
Gilead Sciences Inc. COM 375558103 968 14,980 SH   SOLE   9,100 0 5,880
Gilead Sciences Inc. COM 375558103 110 1,700 SH   OTR   0 0 1,700
Goldman Sachs Group COM 38141G104 65 200 SH   SOLE   200 0 0
Halliburton Co COM 406216101 32 1,505 SH   SOLE   1,505 0 0
Hexcel Corp COM 428291108 4,665 83,295 SH   SOLE   43,780 0 39,515
Hexcel Corp COM 428291108 360 6,425 SH   OTR   775 0 5,650
Home Depot Inc COM 437076102 11,972 39,219 SH   SOLE   27,989 0 11,230
Home Depot Inc COM 437076102 1,419 4,650 SH   OTR   1,425 0 3,225
Hon Hai Precision Inds ORD COM Y36861105 4 1,000 SH   OTR   1,000 0 0
Honeywell Intl Inc COM 438516106 63 290 SH   SOLE   290 0 0
Humana Inc. Com COM 444859102 5,679 13,545 SH   SOLE   8,295 0 5,250
Humana Inc. Com COM 444859102 983 2,345 SH   OTR   580 0 1,765
IHS Markit LTD COM G47567105 165 1,700 SH   SOLE   0 0 1,700
IQVIA Holdings Inc COM 46266C105 12,471 64,571 SH   SOLE   44,253 0 20,318
IQVIA Holdings Inc COM 46266C105 1,236 6,400 SH   OTR   350 0 6,050
Int'l Bus Mach COM 459200101 120 900 SH   OTR   0 0 900
Intel Corp COM 458140100 490 7,655 SH   SOLE   400 0 7,255
Intel Corp COM 458140100 26 400 SH   OTR   0 0 400
Intercontinental Exchange Grou COM 45866F104 12,108 108,421 SH   SOLE   77,586 0 30,835
Intercontinental Exchange Grou COM 45866F104 1,632 14,610 SH   OTR   3,750 0 10,860
Intuitive Surgical Inc Com New COM 46120E602 180 244 SH   SOLE   0 0 244
JPMorgan Chase & Co COM 46625H100 1,700 11,170 SH   SOLE   8,870 0 2,300
JPMorgan Chase & Co COM 46625H100 373 2,450 SH   OTR   150 0 2,300
Johnson & Johnson COM 478160104 12,159 73,984 SH   SOLE   53,266 0 20,718
Johnson & Johnson COM 478160104 1,242 7,557 SH   OTR   2,607 0 4,950
Kontoor Brands Inc COM 50050N103 12 245 SH   SOLE   245 0 0
Kraft Heinz Co Comm COM 500754106 78 1,950 SH   SOLE   250 0 1,700
Kraft Heinz Co Comm COM 500754106 34 850 SH   OTR   850 0 0
Lowes Cos Inc Com COM 548661107 93 488 SH   SOLE   0 0 488
Marsh & McLennan Cos Inc. COM 571748102 110 900 SH   SOLE   0 0 900
Mastercard Inc Cl A COM 57636Q104 36 100 SH   SOLE   100 0 0
McDonalds Corp COM 580135101 403 1,800 SH   SOLE   1,800 0 0
McDonalds Corp COM 580135101 95 425 SH   OTR   0 0 425
Merck & Co Inc COM 58933Y105 7,851 101,848 SH   SOLE   76,628 0 25,220
Merck & Co Inc COM 58933Y105 357 4,625 SH   OTR   300 0 4,325
Microsoft Corp COM 594918104 1,514 6,420 SH   SOLE   3,186 0 3,234
Microsoft Corp COM 594918104 503 2,133 SH   OTR   0 0 2,133
Nestle SA Spons ADR (For Reg) COM 641069406 6,764 60,428 SH   SOLE   55,187 0 5,241
Nestle SA Spons ADR (For Reg) COM 641069406 761 6,798 SH   OTR   2,675 0 4,123
New Residential Invt C Com New COM 64828T201 27 2,400 SH   OTR   2,400 0 0
NextEra Energy Inc COM 65339F101 212 2,800 SH   SOLE   0 0 2,800
NextEra Energy Inc COM 65339F101 20 260 SH   OTR   260 0 0
Nike, Inc. Cl B COM 654106103 17 125 SH   OTR   0 0 125
Norfolk Southern Corp COM 655844108 215 800 SH   SOLE   0 0 800
OneOK Inc COM 682680103 195 3,843 SH   OTR   3,843 0 0
Oracle Systems Corp COM 68389X105 42 600 SH   SOLE   0 0 600
Palo Alto Networks Inc. Com COM 697435105 35 110 SH   SOLE   110 0 0
Panasonic Corp ADR (new) COM 69832A205 6 465 SH   SOLE   465 0 0
PayPal Holdings Inc. COM 70450Y103 20,802 85,660 SH   SOLE   60,807 0 24,853
PayPal Holdings Inc. COM 70450Y103 2,459 10,125 SH   OTR   3,400 0 6,725
Pepsico Inc COM 713448108 9,355 66,139 SH   SOLE   47,848 0 18,291
Pepsico Inc COM 713448108 932 6,590 SH   OTR   1,265 0 5,325
Pfizer Inc COM 717081103 193 5,328 SH   SOLE   4,328 0 1,000
Pfizer Inc COM 717081103 577 15,930 SH   OTR   1,500 0 14,430
Pinterest Inc Cl A COM 72352L106 94 1,270 SH   SOLE   1,200 0 70
Procter & Gamble Co. COM 742718109 2,132 15,742 SH   SOLE   7,274 0 8,468
Procter & Gamble Co. COM 742718109 1,725 12,738 SH   OTR   600 0 12,138
Public Svc Enterprise COM 744573106 57 944 SH   SOLE   0 0 944
Pulte Group Inc. Com COM 745867101 26 500 SH   SOLE   500 0 0
Qualtrics Intl'l Cl A COM 747601201 99 3,000 SH   SOLE   2,900 0 100
ReInsurance Group Amer COM 759351604 9,435 74,855 SH   SOLE   49,940 0 24,915
ReInsurance Group Amer COM 759351604 1,317 10,450 SH   OTR   2,600 0 7,850
Regeneron Pharmaceutical Com COM 75886F107 182 385 SH   SOLE   0 0 385
Rio Tinto PLC Sponsored ADR COM 767204100 8 100 SH   SOLE   0 0 100
Roper Technologies Inc COM 776696106 12,668 31,408 SH   SOLE   22,325 0 9,083
Roper Technologies Inc COM 776696106 1,381 3,425 SH   OTR   1,050 0 2,375
Ross Stores Inc. COM 778296103 660 5,500 SH   SOLE   5,500 0 0
Royal Dutch Shell PLC Spons AD COM 780259206 1,079 27,524 SH   SOLE   27,524 0 0
Salesforce.com Inc COM 79466L302 2,232 10,535 SH   SOLE   4,075 0 6,460
Salesforce.com Inc COM 79466L302 381 1,800 SH   OTR   0 0 1,800
Sanofi - ADR COM 80105N105 4 75 SH   SOLE   75 0 0
Sanofi - ADR COM 80105N105 52 1,050 SH   OTR   0 0 1,050
Schlumberger Ltd COM 806857108 132 4,862 SH   SOLE   1,875 0 2,987
Sibanye-Stillwater LTD Spons A COM 82575P107 81 4,547 SH   SOLE   0 0 4,547
Starbucks Corp COM 855244109 44 400 SH   SOLE   400 0 0
State Street Corp COM 857477103 105 1,250 SH   SOLE   0 0 1,250
State Street Corp COM 857477103 38 450 SH   OTR   0 0 450
TC Energy Corp. Com COM 87807B107 5 100 SH   SOLE   0 0 100
Take-Two Interactive S Com COM 874054109 53 300 SH   SOLE   300 0 0
Teledyne Technologies COM 879360105 37 90 SH   SOLE   40 0 50
Tesla Inc Com COM 88160R101 150 225 SH   SOLE   0 0 225
Tredegar Corp. COM 894650100 22 1,455 SH   SOLE   1,455 0 0
Twitter Inc Com COM 90184L102 45 700 SH   SOLE   700 0 0
Union Pac Corp COM 907818108 27 124 SH   SOLE   124 0 0
Unity Software Inc. COM 91332U101 20 200 SH   SOLE   200 0 0
Universal Display Corp Com COM 91347P105 118 500 SH   SOLE   0 0 500
Unum Group COM 91529Y106 907 32,575 SH   SOLE   12,600 0 19,975
Unum Group COM 91529Y106 298 10,700 SH   OTR   1,600 0 9,100
V F Corp COM 918204108 134 1,675 SH   SOLE   1,675 0 0
Veolia Environment Sponsored A COM 92334N103 9,650 375,615 SH   SOLE   262,720 0 112,895
Veolia Environment Sponsored A COM 92334N103 1,129 43,950 SH   OTR   11,100 0 32,850
Verisign Inc. Com. COM 92343E102 1,200 6,038 SH   SOLE   6,004 0 34
Verizon Communications COM 92343V104 966 16,607 SH   SOLE   16,007 0 600
Verizon Communications COM 92343V104 199 3,428 SH   OTR   1,450 0 1,978
Vertex Pharmaceuticals Com COM 92532F100 199 928 SH   SOLE   637 0 291
Vertex Pharmaceuticals Com COM 92532F100 258 1,200 SH   OTR   0 0 1,200
Viatris Inc COM 92556V106 31 2,203 SH   SOLE   2,079 0 124
Viatris Inc COM 92556V106 26 1,876 SH   OTR   186 0 1,690
Visa Inc Cl A COM 92826C839 13,720 64,799 SH   SOLE   43,075 0 21,724
Visa Inc Cl A COM 92826C839 1,824 8,616 SH   OTR   2,475 0 6,141
Vivendi ORD Shs COM F97982106 25 792 SH   SOLE   792 0 0
Walgreens Boots Alliance Inc COM 931427108 15 265 SH   SOLE   0 0 265
Walgreens Boots Alliance Inc COM 931427108 104 1,891 SH   OTR   0 0 1,891
Wisdomtree Tr India Erngs Fd COM 97717W422 7 220 SH   SOLE   220 0 0
Woodward Inc COM 980745103 2,984 24,740 SH   SOLE   7,255 0 17,485
Woodward Inc COM 980745103 615 5,100 SH   OTR   3,000 0 2,100
Wynn Resorts LTD COM 983134107 38 300 SH   SOLE   300 0 0
Zoetis Inc Cl A COM 98978V103 7 47 SH   SOLE   47 0 0
Zoetis Inc Cl A COM 98978V103 162 1,028 SH   OTR   0 0 1,028
Zoom Video Comm. Cl A COM 98980L101 120 375 SH   OTR   0 0 375
JG Boswell Co PRIV EQS 101205102 2,911 4,077 SH   SOLE   4,077 0 0
ClearBridge Large Cap Growth F EQ FDS 52469H826 207 3,460 SH   SOLE   0 0 3,460
Clearbridge Energy MLP Opportu EQ FDS 18469P100 8 414 SH   OTR   414 0 0
MFS Instl Intl Equity Fd EQ FDS 552966806 165 5,315 SH   SOLE   0 0 5,315