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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AT&T Inc COM 00206R102 380 11,314 SH   SOLE   11,314 0 0
Alphabet Inc Class A COM 02079K305 3,458 2,865 SH   SOLE   2,865 0 0
Amazon Com Inc COM 023135106 200 100 SH   SOLE   100 0 0
Amgen Inc COM 031162100 7,284 35,137 SH   DFND   34,637 0 500
Apple Inc COM 037833100 203 900 SH   SOLE   900 0 0
Automatic Data Processing Inc COM 053015103 9,922 65,854 SH   SOLE   65,854 0 0
Berkshire Hathaway Inc Class B COM 084670702 320 1,495 SH   SOLE   1,495 0 0
1/100 Berkshire Hathaway Cl A COM 084990175 320 100 SH   SOLE   100 0 0
Boeing Company COM 097023105 210 565 SH   SOLE   565 0 0
CDK Global Inc COM 12508E101 538 8,598 SH   SOLE   8,598 0 0
Capital One Finl Corp COM 14040H105 3,279 34,542 SH   SOLE   34,542 0 0
Caterpillar Inc COM 149123101 810 5,309 SH   SOLE   5,309 0 0
Chevron Corp New COM 166764100 1,366 11,170 SH   SOLE   11,170 0 0
Cisco Systems Inc COM 17275R102 334 6,867 SH   SOLE   6,867 0 0
Comcast Corp Class A COM 20030N101 303 8,558 SH   SOLE   8,558 0 0
DXC Technology COM 23355L106 1,260 13,473 SH   DFND   13,347 0 126
Dell Technologies Inc COM 24703L103 1,258 12,950 SH   DFND   12,733 0 217
Devon Energy Corp COM 25179M103 2,953 73,947 SH   DFND   73,207 0 740
The Walt Disney Company COM 254687106 6,224 53,226 SH   SOLE   53,226 0 0
Ecolab Inc COM 278865100 6,150 39,226 SH   DFND   38,786 0 440
Emerson Electric Company COM 291011104 4,145 54,128 SH   DFND   53,558 0 570
Exxon Mobil Corp COM 30231G102 3,051 35,889 SH   SOLE   35,889 0 0
Fedex Corporation COM 31428X106 337 1,400 SH   SOLE   1,400 0 0
General Electric Co COM 369604103 1,346 119,225 SH   SOLE   119,225 0 0
Gilead Sciences Inc COM 375558103 3,150 40,795 SH   DFND   40,495 0 300
HP Inc COM 40434L105 4,141 160,692 SH   DFND   159,217 0 1,475
Hewlett Packard Enterprise Co COM 42824C109 2,630 161,262 SH   DFND   159,787 0 1,475
Home Depot Inc COM 437076102 262 1,264 SH   SOLE   1,264 0 0
Honeywell International Inc COM 438516106 375 2,256 SH   SOLE   2,256 0 0
Intel Corp COM 458140100 586 12,397 SH   SOLE   12,397 0 0
Intl Business Machines COM 459200101 4,313 28,520 SH   SOLE   28,520 0 0
Intuit Inc COM 461202103 361 1,586 SH   SOLE   1,586 0 0
iShares S&P 500 Index FUND 464287200 353 1,205 SH   SOLE   1,205 0 0
iShares Russell 1000 Grw ETF FUND 464287614 222 1,426 SH   SOLE   1,426 0 0
JP Morgan Chase& Co COM 46625H100 4,835 42,847 SH   SOLE   42,847 0 0
Johnson& Johnson COM 478160104 5,755 41,650 SH   SOLE   41,650 0 0
Marriott Intl. Inc. CL A COM 571903202 600 4,542 SH   SOLE   4,542 0 0
McDermott Intl Inc COM 580037703 3,781 205,159 SH   DFND   201,371 0 3,788
McDonalds Corp COM 580135101 552 3,300 SH   SOLE   3,300 0 0
Merck& Company Inc COM 58933Y105 558 7,870 SH   SOLE   7,870 0 0
Micro Focus Intl PLC ADR COM 594837304 395 21,350 SH   DFND   21,148 0 202
Microsoft Corp COM 594918104 14,149 123,711 SH   DFND   122,761 0 950
Nutrien Ltd. COM 67077M108 836 14,494 SH   DFND   14,334 0 160
Omnicom Group COM 681919106 3,269 48,054 SH   SOLE   48,054 0 0
PPG Industries COM 693506107 353 3,233 SH   SOLE   3,233 0 0
PepsiCo Inc COM 713448108 4,809 43,017 SH   SOLE   43,017 0 0
Pfizer Inc COM 717081103 2,476 56,181 SH   SOLE   56,181 0 0
Procter& Gamble Company COM 742718109 4,485 53,881 SH   SOLE   53,881 0 0
Qualcomm Inc COM 747525103 861 11,952 SH   SOLE   11,952 0 0
Raytheon Co COM 755111507 1,487 7,194 SH   SOLE   7,194 0 0
SPDR S&P MidCap 400 ETF FUND 78467Y107 271 737 SH   SOLE   737 0 0
SVB Financial Group COM 78486Q101 5,922 19,052 SH   DFND   18,487 0 565
Schlumberger Limited COM 806857108 3,756 61,658 SH   DFND   61,108 0 550
Schwab S&P 500 Index Fund FUND 808509855 384 8,442 SH   SOLE   8,442 0 0
Charles Schwab Corp COM 808513105 206 4,200 SH   SOLE   4,200 0 0
Stericycle Inc. COM 858912108 1,696 28,903 SH   DFND   28,593 0 310
Texas Instruments Incorporated COM 882508104 1,352 12,600 SH   SOLE   12,600 0 0
US Bancorp COM 902973304 216 4,084 SH   SOLE   4,084 0 0
Union Pacific Corp COM 907818108 588 3,610 SH   SOLE   3,610 0 0
United Health Group Inc COM 91324P102 353 1,325 SH   SOLE   1,325 0 0
Vanguard Emerging Market ETF FUND 922042858 3,140 76,585 SH   DFND   75,935 0 650
Vanguard S&P 500 ETF FUND 922908363 7,171 26,852 SH   SOLE   26,852 0 0
Vanguard Total Stk Mkt Index FUND 922908728 411 5,637 SH   SOLE   5,637 0 0
Vanguard Total Stock Market FUND 922908769 1,364 9,114 SH   SOLE   9,114 0 0
Verizon Communications COM 92343V104 1,174 21,997 SH   SOLE   21,997 0 0
Vodafone Group PLC COM 92857W308 974 44,887 SH   SOLE   44,887 0 0
Walgreen Boots Alliance Inc COM 931427108 3,232 44,328 SH   SOLE   44,328 0 0
Welbilt, Inc. COM 949090104 1,147 54,928 SH   DFND   54,228 0 700
Wells Fargo& Co COM 949746101 471 8,965 SH   SOLE   8,965 0 0