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   1,231,009 13,149 SH   SOLE   300 0 12,849
AFLAC, Inc. COM STK 001055102   782,850 10,200 SH   SOLE   0 0 10,200
AT & T, Inc. COM STK 00206r102   9,692,552 645,310 SH   SOLE   10,140 0 635,170
AT & T, Inc. COM STK 00206r102   29,289 1,950 SH   DFND   0 0 1,950
AbbVie, Inc. COM STK 00287Y109   280,233 1,880 SH   SOLE   0 0 1,880
Abbott Laboratories COM STK 002824100   18,262,796 188,568 SH   SOLE   3,635 0 184,933
Abbott Laboratories COM STK 002824100   54,430 562 SH   DFND   0 0 562
Accenture Ltd COM STK G1151C101   311,410 1,014 SH   SOLE   0 0 1,014
Allstate Corp. COM STK 020002101   216,581 1,944 SH   SOLE   0 0 1,944
Alphabet Inc. Class A COM STK 02079K305   1,342,904 10,262 SH   SOLE   0 0 10,262
Alphabet Inc. Class C COM STK 02079K107   1,445,076 10,960 SH   SOLE   0 0 10,960
Amazon.Com Inc. COM STK 023135106   345,032 2,714 SH   SOLE   0 0 2,714
Amcor plc COM STK g0250x107   283,145 30,911 SH   SOLE   0 0 30,911
American Express COM STK 025816109   18,654,381 125,038 SH   SOLE   2,005 0 123,033
American Express COM STK 025816109   55,946 375 SH   DFND   0 0 375
American Funds Balanced Fd COM STK 024071409   651,556 22,072 SH   SOLE   0 0 22,072
American Funds Balanced Fd COM STK 024071409   234,233 7,935 SH   DFND   0 0 7,935
American Growth Fd of America COM STK 399874106   385,855 6,495 SH   SOLE   0 0 6,495
American Water Works COM STK 030420103   241,469 1,950 SH   SOLE   0 0 1,950
Ameriprise Financial, Inc. COM STK 03076C106   1,187,837 3,603 SH   SOLE   0 0 3,603
Amgen, Inc. COM STK 031162100   1,333,050 4,960 SH   SOLE   0 0 4,960
Amgen, Inc. COM STK 031162100   510,644 1,900 SH   DFND   0 0 1,900
Analog Devices, Inc. COM STK 032654105   428,971 2,450 SH   SOLE   0 0 2,450
Apple Computer, Inc. COM STK 037833100   33,368,454 194,898 SH   SOLE   2,695 0 192,203
Apple Computer, Inc. COM STK 037833100   101,870 595 SH   DFND   0 0 595
Automatic Data Processing COM STK 053015103   24,588,403 102,205 SH   SOLE   1,670 0 100,535
Automatic Data Processing COM STK 053015103   48,116 200 SH   DFND   0 0 200
Berkshire Hathaway Cl B COM STK 084670702   1,740,641 4,969 SH   SOLE   0 0 4,969
Booking Holdings Inc. COM STK 09857L108   212,793 69 SH   SOLE   0 0 69
Broadcom Ltd. COM STK 11135F101   17,065,927 20,547 SH   SOLE   325 0 20,222
Broadcom Ltd. COM STK 11135F101   59,802 72 SH   DFND   0 0 72
Caterpillar, Inc. COM STK 149123101   227,409 833 SH   SOLE   0 0 833
Chevron Corporation COM STK 166764100   16,531,755 98,041 SH   SOLE   2,045 0 95,996
Chevron Corporation COM STK 166764100   37,940 225 SH   DFND   0 0 225
Cintas Corp COM STK 172908105   216,455 450 SH   SOLE   0 0 450
Cisco Systems, Inc. COM STK 17275R102   19,097,105 355,229 SH   SOLE   5,995 0 349,234
Cisco Systems, Inc. COM STK 17275R102   48,653 905 SH   DFND   0 0 905
Clorox Company COM STK 189054109   205,764 1,570 SH   SOLE   0 0 1,570
Coca Cola Co COM STK 191216100   21,054,131 376,101 SH   SOLE   7,420 0 368,681
Coca Cola Co COM STK 191216100   67,176 1,200 SH   DFND   0 0 1,200
Colgate Palmolive COM STK 194162103   4,920,741 69,199 SH   SOLE   800 0 68,399
Costco Wholesale Corp. COM STK 22160K105   221,211 392 SH   SOLE   0 0 392
Danaher Corp. COM STK 235851102   332,206 1,339 SH   SOLE   0 0 1,339
Darden Restaurants Inc. COM STK 237194105   237,459 1,658 SH   SOLE   0 0 1,658
Deere & Co. COM STK 244199105   322,660 855 SH   SOLE   0 0 855
Dover Corp. COM STK 260003108   272,045 1,950 SH   SOLE   0 0 1,950
Eastman Chemical Co. COM STK 277432100   12,975,354 169,126 SH   SOLE   2,540 0 166,586
Eastman Chemical Co. COM STK 277432100   46,032 600 SH   DFND   0 0 600
Eaton Corp. COM STK G29183103   12,249,097 57,432 SH   SOLE   1,065 0 56,367
Eaton Corp. COM STK G29183103   43,936 206 SH   DFND   0 0 206
Eli Lilly Co COM STK 532457108   891,636 1,660 SH   SOLE   0 0 1,660
Expeditors Int'l of Washington COM STK 302130109   550,224 4,800 SH   SOLE   0 0 4,800
Exxon Mobil Corp COM STK 30231G102   2,230,140 18,967 SH   SOLE   0 0 18,967
Fastenal Co. COM STK 311900104   224,024 4,100 SH   SOLE   0 0 4,100
General Electric COM STK 369604301   757,046 6,848 SH   SOLE   0 0 6,848
General Mills COM STK 370334104   321,678 5,027 SH   SOLE   0 0 5,027
Grainger, W.W., Inc. COM STK 384802104   1,311,037 1,895 SH   SOLE   0 0 1,895
Home Depot, Inc. COM STK 437076102   25,783,758 85,331 SH   SOLE   1,510 0 83,821
Home Depot, Inc. COM STK 437076102   63,151 209 SH   DFND   0 0 209
Honeywell, Inc. COM STK 438516106   20,470,637 110,808 SH   SOLE   1,965 0 108,843
Honeywell, Inc. COM STK 438516106   57,454 311 SH   DFND   0 0 311
Intel Corp COM STK 458140100   1,094,641 30,792 SH   SOLE   0 0 30,792
Intl Business Machines Corp COM STK 459200101   618,863 4,411 SH   SOLE   0 0 4,411
J P Morgan Chase & Co COM STK 46625H100   31,108,823 214,514 SH   SOLE   3,680 0 210,834
J P Morgan Chase & Co COM STK 46625H100   81,936 565 SH   DFND   0 0 565
Johnson & Johnson COM STK 478160104   27,306,420 175,322 SH   SOLE   3,185 0 172,137
Johnson & Johnson COM STK 478160104   63,858 410 SH   DFND   0 0 410
Lockheed Martin Corp COM STK 539830109   306,720 750 SH   SOLE   0 0 750
McDonald's Corp COM STK 580135101   1,048,509 3,980 SH   SOLE   0 0 3,980
McGrath Rent Corp COM STK 580589109   606,452 6,050 SH   SOLE   0 0 6,050
Merck & Co, Inc. COM STK 58933Y105   697,898 6,779 SH   SOLE   0 0 6,779
Microsoft Corp COM STK 594918104   35,700,473 113,066 SH   SOLE   1,700 0 111,366
Microsoft Corp COM STK 594918104   85,253 270 SH   DFND   0 0 270
Mondelez Intl, Inc. COM STK 609207105   16,785,224 241,862 SH   SOLE   3,950 0 237,912
Mondelez Intl, Inc. COM STK 609207105   57,255 825 SH   DFND   0 0 825
NIKE, Inc. COM STK 654106103   349,491 3,655 SH   SOLE   0 0 3,655
Nextera Energy, Inc. COM STK 65339F101   12,251,638 213,853 SH   SOLE   3,323 0 210,530
Nextera Energy, Inc. COM STK 65339F101   39,759 694 SH   DFND   0 0 694
Oracle Corp COM STK 68389X105   589,127 5,562 SH   SOLE   0 0 5,562
Pepsico, Inc. COM STK 713448108   761,294 4,493 SH   SOLE   0 0 4,493
Procter & Gamble Co COM STK 742718109   23,536,374 161,363 SH   SOLE   2,875 0 158,488
Procter & Gamble Co COM STK 742718109   47,405 325 SH   DFND   0 0 325
Prologis, Inc COM STK 74340W103   11,562,118 103,040 SH   SOLE   1,725 0 101,315
Prologis, Inc COM STK 74340W103   42,640 380 SH   DFND   0 0 380
S P D R Trust Unit SR COM STK 78462F103   218,442 511 SH   SOLE   0 0 511
Schwab US Large Cap ETF COM STK 808524201   403,156 7,968 SH   SOLE   0 0 7,968
Starbucks, Inc. COM STK 855244109   9,836,539 107,774 SH   SOLE   1,635 0 106,139
Starbucks, Inc. COM STK 855244109   38,151 418 SH   DFND   0 0 418
Stryker Corp. COM STK 863667101   22,603,511 82,715 SH   SOLE   1,020 0 81,695
Stryker Corp. COM STK 863667101   61,486 225 SH   DFND   0 0 225
T J X Cos Inc COM STK 872540109   431,957 4,860 SH   SOLE   0 0 4,860
Tesla Motors Inc. COM STK 88160R101   260,729 1,042 SH   SOLE   0 0 1,042
Texas Instruments COM STK 882508104   16,689,764 104,960 SH   SOLE   1,865 0 103,095
Texas Instruments COM STK 882508104   54,063 340 SH   DFND   0 0 340
Thermo Fisher Scientific, Inc. COM STK 883556102   220,184 435 SH   SOLE   0 0 435
US Bancorp COM STK 902973304   213,733 6,465 SH   SOLE   0 0 6,465
Union Pacific Corp COM STK 907818108   3,322,631 16,317 SH   SOLE   100 0 16,217
United Parcel Service COM STK 911312106   16,715,873 107,242 SH   SOLE   1,710 0 105,532
United Parcel Service COM STK 911312106   53,775 345 SH   DFND   0 0 345
UnitedHealth Group, Inc. COM STK 91324P102   19,104,635 37,892 SH   SOLE   570 0 37,322
UnitedHealth Group, Inc. COM STK 91324P102   48,402 96 SH   DFND   0 0 96
V F Corp COM STK 918204108   7,474,202 422,988 SH   SOLE   8,485 0 414,503
V F Corp COM STK 918204108   34,280 1,940 SH   DFND   0 0 1,940
Vanguard 500 Index Fund Admira COM STK 922908710   669,376 1,692 SH   SOLE   0 0 1,692
Vanguard FTSE All-World Index COM STK 922042775   638,001 12,300 SH   SOLE   0 0 12,300
Vanguard Growth Viper COM STK 922908736   440,598 1,618 SH   SOLE   0 0 1,618
Vanguard Stock Market Index COM STK 922908728   1,447,821 14,001 SH   SOLE   0 0 14,001
Vanguard Total Stock Market COM STK 922908769   316,491 1,490 SH   SOLE   0 0 1,490
Vanguard Value Viper COM STK 922908744   249,240 1,807 SH   SOLE   0 0 1,807
Visa, Inc COM STK 92826C839   637,128 2,770 SH   SOLE   0 0 2,770
Wal Mart Stores, Inc. COM STK 931142103   379,994 2,376 SH   SOLE   0 0 2,376
Walt Disney Company COM STK 254687106   12,847,481 158,513 SH   SOLE   2,835 0 155,678
Walt Disney Company COM STK 254687106   49,441 610 SH   DFND   0 0 610
Wells Fargo & Co. COM STK 949746101   781,243 19,120 SH   SOLE   0 0 19,120
Xcel Energy, Inc. COM STK 98389B100   17,617,794 307,896 SH   SOLE   5,595 0 302,301
Xcel Energy, Inc. COM STK 98389B100   62,370 1,090 SH   DFND   0 0 1,090