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 164 6,600 SH   SOLE   0 0 6,600
AG Mortgage Inv Tr 8 Pfd Ser B PRD 001228303 135 5,400 SH   OTR   4,000 0 1,400
AG Mortgage Inv Tr 8.25 Pfd Se PRD 001228204 43 1,700 SH   SOLE   0 0 1,700
AG Mortgage Inv Tr 8.25 Pfd Se PRD 001228204 51 2,000 SH   OTR   0 0 2,000
AGNC Invt Corp 6.5 Pfd Ser E PRD 00123Q807 385 15,000 SH   SOLE   15,000 0 0
AT&T 5.00 Perp Pfd Ser A PRD 00206R508 201 7,500 SH   SOLE   7,500 0 0
Capital One Finl Corp DP Shs P PRD 14040H824 32 1,200 SH   OTR   1,200 0 0
Capital One Finl Pfd Ser H PRD 14040H840 43 1,700 SH   OTR   0 0 1,700
Energy Transfer LP 7.625 Pfd U PRD 29273V506 63 2,500 SH   SOLE   0 0 2,500
Energy Transfer LP 7.625 Pfd U PRD 29273V506 39 1,550 SH   OTR   1,550 0 0
Ford Mtr 6.20 Pfd Due 06/01/20 PRD 345370845 201 7,500 SH   SOLE   7,500 0 0
Ford Mtr 6.20 Pfd Due 06/01/20 PRD 345370845 35 1,300 SH   OTR   1,300 0 0
New Residential Inv Cp 7.125 C PRD 64828T409 1,161 46,400 SH   SOLE   27,500 0 18,900
New Residential Inv Cp 7.125 C PRD 64828T409 268 10,700 SH   OTR   7,200 0 3,500
New Residential Invt 6.375 Pfd PRD 64828T508 28 1,200 SH   OTR   1,200 0 0
Pennymac Mtg Invt Tr Pfd Ser A PRD 70931T301 105 4,000 SH   OTR   4,000 0 0
Wells Fargo & Co New Perp Pfd PRD 949746804 1,252 845 SH   SOLE   575 0 270
Wells Fargo & Co New Perp Pfd PRD 949746804 489 330 SH   OTR   110 0 220
3M Co. COM 88579Y101 144 820 SH   SOLE   470 0 350
3M Co. COM 88579Y101 232 1,323 SH   OTR   324 0 999
AFLAC Inc. COM 001055102 3,304 63,381 SH   SOLE   54,793 0 8,588
AFLAC Inc. COM 001055102 136 2,600 SH   OTR   0 0 2,600
AT&T Inc COM 00206R102 622 23,042 SH   SOLE   11,306 0 11,736
AT&T Inc COM 00206R102 27 1,000 SH   OTR   0 0 1,000
AbbVie Inc. COM 00287Y109 1,013 9,395 SH   SOLE   7,235 0 2,160
AbbVie Inc. COM 00287Y109 556 5,150 SH   OTR   250 0 4,900
Abbott Labs COM 002824100 196 1,660 SH   SOLE   0 0 1,660
Abbott Labs COM 002824100 520 4,400 SH   OTR   0 0 4,400
Adobe Sys Inc Com COM 00724F101 71 124 SH   SOLE   124 0 0
Adobe Sys Inc Com COM 00724F101 144 250 SH   OTR   0 0 250
Advanced Micro Devices Com COM 007903107 18,461 179,405 SH   SOLE   132,680 0 46,725
Advanced Micro Devices Com COM 007903107 893 8,675 SH   OTR   275 0 8,400
Air Prod & Chemicals COM 009158106 26 100 SH   OTR   0 0 100
Albemarle Corp. COM 012653101 19,439 88,773 SH   SOLE   60,158 0 28,615
Albemarle Corp. COM 012653101 2,451 11,195 SH   OTR   6,795 0 4,400
Alphabet Inc Cap Stk Cl A COM 02079K305 24,877 9,305 SH   SOLE   6,766 0 2,539
Alphabet Inc Cap Stk Cl A COM 02079K305 2,230 834 SH   OTR   189 0 645
Alphabet Inc Cap Stk Cl C COM 02079K107 6,994 2,624 SH   SOLE   2,206 0 418
Alphabet Inc Cap Stk Cl C COM 02079K107 512 192 SH   OTR   114 0 78
Amazon Com Inc Com COM 023135106 355 108 SH   SOLE   8 0 100
Amer States Water Co COM 029899101 238 2,780 SH   OTR   0 0 2,780
American Tower Corp NE Com COM 03027X100 10,174 38,335 SH   SOLE   23,640 0 14,695
American Tower Corp NE Com COM 03027X100 1,665 6,275 SH   OTR   1,525 0 4,750
Amgen, Inc. Com COM 031162100 634 2,980 SH   SOLE   2,980 0 0
Amgen, Inc. Com COM 031162100 62 290 SH   OTR   90 0 200
Anheuser Busch Inbev S Sponsor COM 03524A108 73 1,300 SH   SOLE   0 0 1,300
Apache Corp COM 037411105 1 60 SH   SOLE   60 0 0
Apple, Inc. COM 037833100 30,264 213,882 SH   SOLE   158,851 0 55,031
Apple, Inc. COM 037833100 3,335 23,568 SH   OTR   5,692 0 17,876
Applied Materials Inc. COM 038222105 5,429 42,175 SH   SOLE   32,475 0 9,700
Applied Materials Inc. COM 038222105 543 4,220 SH   OTR   200 0 4,020
Avery Dennison Corp. COM 053611109 580 2,800 SH   SOLE   1,800 0 1,000
BP PLC Spons ADR COM 055622104 94 3,432 SH   SOLE   2,200 0 1,232
BP PLC Spons ADR COM 055622104 66 2,414 SH   OTR   0 0 2,414
Bank of New York Mellon COM 064058100 21 400 SH   OTR   0 0 400
Baxter Intl Inc COM 071813109 59 735 SH   SOLE   0 0 735
Berkshire Hathaway Cl B COM 084670207 489 1,792 SH   SOLE   1,792 0 0
Boeing Co. COM 097023105 210 955 SH   SOLE   480 0 475
Broadridge Financial Solutions COM 11133T103 14,741 88,458 SH   SOLE   65,118 0 23,340
Broadridge Financial Solutions COM 11133T103 1,408 8,450 SH   OTR   3,250 0 5,200
CSX Corp COM 126408103 58 1,950 SH   SOLE   1,950 0 0
California Wtr Svc Group COM 130788102 147 2,500 SH   SOLE   0 0 2,500
Capital One Finl Corp COM 14040H105 14,714 90,844 SH   SOLE   60,460 0 30,384
Capital One Finl Corp COM 14040H105 1,320 8,152 SH   OTR   2,550 0 5,602
Cardinal Health Inc. COM 14149Y108 5 93 SH   SOLE   93 0 0
Charles Schwab Corp (New) COM 808513105 1,113 15,282 SH   SOLE   13,757 0 1,525
Charles Schwab Corp (New) COM 808513105 146 2,011 SH   OTR   2,011 0 0
Chevron Corp COM 166764100 604 5,953 SH   SOLE   4,228 0 1,725
Chevron Corp COM 166764100 2,039 20,094 SH   OTR   2,852 0 17,242
Cisco Systems COM 17275R102 5,591 102,710 SH   SOLE   79,910 0 22,800
Cisco Systems COM 17275R102 429 7,875 SH   OTR   1,850 0 6,025
CitiGroup Inc COM 172967424 70 1,000 SH   SOLE   1,000 0 0
Coca Cola Co COM 191216100 348 6,630 SH   SOLE   2,300 0 4,330
Coca Cola Co COM 191216100 10 200 SH   OTR   0 0 200
Comcast Corp New Cl A COM 20030N101 84 1,500 SH   SOLE   0 0 1,500
Consolidated Edison Inc COM 209115104 31 430 SH   SOLE   0 0 430
Constellation Brands Inc Cl A COM 21036P108 36 170 SH   SOLE   0 0 170
Costco Wholesale COM 22160K105 16,997 37,826 SH   SOLE   27,560 0 10,266
Costco Wholesale COM 22160K105 1,452 3,231 SH   OTR   1,156 0 2,075
Danaher Corp Del COM COM 235851102 18,905 62,098 SH   SOLE   42,013 0 20,085
Danaher Corp Del COM COM 235851102 2,419 7,945 SH   OTR   2,220 0 5,725
Deere & Co COM 244199105 21 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 9,852 58,237 SH   SOLE   41,211 0 17,026
Disney Walt Co Del COM 254687106 1,209 7,147 SH   OTR   1,981 0 5,166
Dow Inc COM 260557103 876 15,223 SH   SOLE   14,740 0 483
Dow Inc COM 260557103 166 2,882 SH   OTR   1,449 0 1,433
East West Bancorp Inc Com COM 27579R104 17 213 SH   SOLE   213 0 0
Ecolab Inc Com COM 278865100 125 600 SH   SOLE   0 0 600
Edwards Lifesciences Inc. COM 28176E108 2,952 26,075 SH   SOLE   11,925 0 14,150
Electronic Arts Inc COM 285512109 15 106 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 73 350 SH   SOLE   350 0 0
Exact Sciences Corp. COM 30063P105 105 1,100 SH   SOLE   200 0 900
Exxon Mobil Corp COM 30231G102 126 2,149 SH   SOLE   50 0 2,099
Exxon Mobil Corp COM 30231G102 191 3,245 SH   OTR   1,884 0 1,361
Facebook Inc Cl A COM 30303M102 34 100 SH   SOLE   100 0 0
Fiserv Inc Com COM 337738108 11,400 105,067 SH   SOLE   73,132 0 31,935
Fiserv Inc Com COM 337738108 1,508 13,900 SH   OTR   3,450 0 10,450
Franco Nevada Corp COM 351858105 39 300 SH   SOLE   0 0 300
General Elec Co COM 369604103 390 3,787 SH   SOLE   3,112 0 675
General Elec Co COM 369604103 105 1,017 SH   OTR   0 0 1,017
Gilead Sciences Inc. COM 375558103 992 14,205 SH   SOLE   9,025 0 5,180
Gilead Sciences Inc. COM 375558103 119 1,700 SH   OTR   0 0 1,700
Goldman Sachs Group COM 38141G104 76 200 SH   SOLE   200 0 0
Halliburton Co COM 406216101 33 1,505 SH   SOLE   1,505 0 0
Hexcel Corp COM 428291108 4,893 82,395 SH   SOLE   43,680 0 38,715
Hexcel Corp COM 428291108 560 9,425 SH   OTR   775 0 8,650
Home Depot Inc COM 437076102 12,858 39,169 SH   SOLE   27,969 0 11,200
Home Depot Inc COM 437076102 1,641 5,000 SH   OTR   1,425 0 3,575
Hon Hai Precision Inds ORD COM Y36861105 4 1,000 SH   OTR   1,000 0 0
Honeywell Intl Inc COM 438516106 62 290 SH   SOLE   290 0 0
Humana Inc. Com COM 444859102 5,160 13,260 SH   SOLE   7,910 0 5,350
Humana Inc. Com COM 444859102 1,049 2,695 SH   OTR   580 0 2,115
IHS Markit LTD COM G47567105 117 1,000 SH   SOLE   0 0 1,000
IQVIA Holdings Inc COM 46266C105 15,318 63,946 SH   SOLE   44,053 0 19,893
IQVIA Holdings Inc COM 46266C105 1,605 6,700 SH   OTR   350 0 6,350
Int'l Bus Mach COM 459200101 125 900 SH   OTR   0 0 900
Intel Corp COM 458140100 408 7,655 SH   SOLE   400 0 7,255
Intel Corp COM 458140100 21 400 SH   OTR   0 0 400
Intercontinental Exchange Grou COM 45866F104 12,410 108,081 SH   SOLE   77,546 0 30,535
Intercontinental Exchange Grou COM 45866F104 1,746 15,210 SH   OTR   3,750 0 11,460
Intuitive Surgical Inc Com New COM 46120E602 243 244 SH   SOLE   0 0 244
JPMorgan Chase & Co COM 46625H100 1,816 11,095 SH   SOLE   9,095 0 2,000
JPMorgan Chase & Co COM 46625H100 401 2,450 SH   OTR   150 0 2,300
Jazz Pharmaceuticals PLC COM G50871105 2 13 SH   OTR   0 0 13
Johnson & Johnson COM 478160104 11,969 74,109 SH   SOLE   53,391 0 20,718
Johnson & Johnson COM 478160104 1,285 7,957 SH   OTR   2,607 0 5,350
Kontoor Brands Inc COM 50050N103 12 245 SH   SOLE   245 0 0
Kraft Heinz Co Comm COM 500754106 72 1,950 SH   SOLE   250 0 1,700
Kraft Heinz Co Comm COM 500754106 31 850 SH   OTR   850 0 0
Lowes Cos Inc Com COM 548661107 99 488 SH   SOLE   0 0 488
Marsh & McLennan Cos Inc. COM 571748102 136 900 SH   SOLE   0 0 900
Mastercard Inc Cl A COM 57636Q104 35 100 SH   SOLE   100 0 0
McDonalds Corp COM 580135101 434 1,800 SH   SOLE   1,800 0 0
McDonalds Corp COM 580135101 102 425 SH   OTR   0 0 425
Merck & Co Inc COM 58933Y105 7,672 102,148 SH   SOLE   76,628 0 25,520
Merck & Co Inc COM 58933Y105 438 5,825 SH   OTR   300 0 5,525
Microsoft Corp COM 594918104 1,782 6,320 SH   SOLE   3,186 0 3,134
Microsoft Corp COM 594918104 630 2,233 SH   OTR   0 0 2,233
Nestle SA Spons ADR (For Reg) COM 641069406 7,337 60,728 SH   SOLE   55,487 0 5,241
Nestle SA Spons ADR (For Reg) COM 641069406 966 7,998 SH   OTR   2,675 0 5,323
New Residential Invt C Com New COM 64828T201 26 2,400 SH   OTR   2,400 0 0
NextEra Energy Inc COM 65339F101 220 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 18 125 SH   OTR   0 0 125
Norfolk Southern Corp COM 655844108 191 800 SH   SOLE   0 0 800
OneOK Inc COM 682680103 223 3,843 SH   OTR   3,843 0 0
Oracle Systems Corp COM 68389X105 52 600 SH   SOLE   0 0 600
Organon & Co COM 68622V106 312 9,513 SH   SOLE   6,994 0 2,519
Organon & Co COM 68622V106 15 462 SH   OTR   30 0 432
Palo Alto Networks Inc. Com COM 697435105 53 110 SH   SOLE   110 0 0
Panasonic Corp ADR (new) COM 69832A205 6 465 SH   SOLE   465 0 0
PayPal Holdings Inc. COM 70450Y103 21,638 83,155 SH   SOLE   58,892 0 24,263
PayPal Holdings Inc. COM 70450Y103 2,583 9,925 SH   OTR   3,400 0 6,525
Pepsico Inc COM 713448108 9,978 66,339 SH   SOLE   48,048 0 18,291
Pepsico Inc COM 713448108 1,066 7,090 SH   OTR   1,265 0 5,825
Pfizer Inc COM 717081103 229 5,328 SH   SOLE   4,328 0 1,000
Pfizer Inc COM 717081103 685 15,930 SH   OTR   1,500 0 14,430
Pinterest Inc Cl A COM 72352L106 65 1,270 SH   SOLE   1,200 0 70
Pioneer Nat Res Co COM 723787107 17 100 SH   OTR   0 0 100
Procter & Gamble Co. COM 742718109 2,156 15,422 SH   SOLE   7,274 0 8,148
Procter & Gamble Co. COM 742718109 1,781 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 23 500 SH   SOLE   500 0 0
Qualtrics Intl'l Cl A COM 747601201 128 3,000 SH   SOLE   2,900 0 100
ReInsurance Group Amer COM 759351604 8,262 74,255 SH   SOLE   49,740 0 24,515
ReInsurance Group Amer COM 759351604 1,163 10,450 SH   OTR   2,600 0 7,850
Regeneron Pharmaceutical Com COM 75886F107 233 385 SH   SOLE   0 0 385
Rio Tinto PLC Sponsored ADR COM 767204100 7 100 SH   SOLE   0 0 100
Roper Technologies Inc COM 776696106 14,081 31,563 SH   SOLE   22,440 0 9,123
Roper Technologies Inc COM 776696106 1,595 3,575 SH   OTR   1,050 0 2,525
Ross Stores Inc. COM 778296103 599 5,500 SH   SOLE   5,500 0 0
Royal Dutch Shell PLC Spons AD COM 780259206 1,227 27,524 SH   SOLE   27,524 0 0
SPDR S&P 500 ETF Trust COM 78462F103 99 231 SH   OTR   0 0 231
Salesforce.com Inc COM 79466L302 3,012 11,105 SH   SOLE   4,370 0 6,735
Salesforce.com Inc COM 79466L302 570 2,100 SH   OTR   0 0 2,100
Sanofi - ADR COM 80105N105 4 75 SH   SOLE   75 0 0
Sanofi - ADR COM 80105N105 14 300 SH   OTR   0 0 300
Schlumberger Ltd COM 806857108 141 4,762 SH   SOLE   1,775 0 2,987
Sibanye-Stillwater LTD Spons A COM 82575P107 56 4,547 SH   SOLE   0 0 4,547
Starbucks Corp COM 855244109 44 400 SH   SOLE   400 0 0
State Street Corp COM 857477103 106 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 46 300 SH   SOLE   300 0 0
Teledyne Technologies COM 879360105 8,225 19,146 SH   SOLE   11,884 0 7,262
Teledyne Technologies COM 879360105 1,036 2,412 SH   OTR   1,040 0 1,372
Tesla Inc Com COM 88160R101 147 190 SH   SOLE   0 0 190
Tredegar Corp. COM 894650100 18 1,455 SH   SOLE   1,455 0 0
Twitter Inc Com COM 90184L102 42 700 SH   SOLE   700 0 0
Union Pac Corp COM 907818108 24 124 SH   SOLE   124 0 0
United Parcel Service Cl B COM 911312106 30 165 SH   OTR   0 0 165
Unity Software Inc. COM 91332U101 57 450 SH   SOLE   450 0 0
Universal Display Corp Com COM 91347P105 85 500 SH   SOLE   0 0 500
Unum Group COM 91529Y106 789 31,475 SH   SOLE   13,000 0 18,475
Unum Group COM 91529Y106 268 10,700 SH   OTR   1,600 0 9,100
V F Corp COM 918204108 112 1,675 SH   SOLE   1,675 0 0
Veolia Environment Sponsored A COM 92334N103 11,531 376,015 SH   SOLE   263,120 0 112,895
Veolia Environment Sponsored A COM 92334N103 1,501 48,950 SH   OTR   11,900 0 37,050
Verisign Inc. Com. COM 92343E102 1,222 5,962 SH   SOLE   5,962 0 0
Verizon Communications COM 92343V104 897 16,607 SH   SOLE   16,007 0 600
Verizon Communications COM 92343V104 185 3,428 SH   OTR   1,450 0 1,978
Vertex Pharmaceuticals Com COM 92532F100 168 928 SH   SOLE   637 0 291
Vertex Pharmaceuticals Com COM 92532F100 218 1,200 SH   OTR   0 0 1,200
Viatris Inc COM 92556V106 30 2,203 SH   SOLE   2,079 0 124
Viatris Inc COM 92556V106 25 1,876 SH   OTR   186 0 1,690
Visa Inc Cl A COM 92826C839 14,329 64,329 SH   SOLE   42,635 0 21,694
Visa Inc Cl A COM 92826C839 2,031 9,116 SH   OTR   2,475 0 6,641
Walgreens Boots Alliance Inc COM 931427108 12 265 SH   SOLE   0 0 265
Walgreens Boots Alliance Inc COM 931427108 89 1,891 SH   OTR   0 0 1,891
Wisdomtree Tr India Erngs Fd COM 97717W422 8 220 SH   SOLE   220 0 0
Woodward Inc COM 980745103 2,755 24,340 SH   SOLE   7,255 0 17,085
Woodward Inc COM 980745103 577 5,100 SH   OTR   3,000 0 2,100
Wynn Resorts LTD COM 983134107 25 300 SH   SOLE   300 0 0
Zoetis Inc Cl A COM 98978V103 9 47 SH   SOLE   47 0 0
Zoetis Inc Cl A COM 98978V103 200 1,028 SH   OTR   0 0 1,028
Zoom Video Comm. Cl A COM 98980L101 98 375 SH   OTR   0 0 375
iShares Core S&P MCP ETF COM 464287507 158 600 SH   OTR   0 0 600
JG Boswell Co PRIV EQS 101205102 4,075 4,077 SH   SOLE   4,077 0 0
ClearBridge Large Cap Growth F EQ FDS 52469H826 234 3,460 SH   SOLE   0 0 3,460
Clearbridge Energy MLP Opportu EQ FDS 18469P100 9 414 SH   OTR   414 0 0
Fidelity Diversified Internati EQ FDS 315910802 271 5,236 SH   OTR   0 0 5,236
Harding Loevner Instl Emerg Mk EQ FDS 412295701 108 4,270 SH   OTR   0 0 4,270
JPMorgan Emerging Markets Equi EQ FDS 4812A0631 101 2,435 SH   OTR   0 0 2,435
JPMorgan US Equity L EQ FDS 4812A1142 229 10,382 SH   OTR   0 0 10,382