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
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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
3M Company COM STK 88579y101 25,116 152,267 SH   SOLE   4,593 0 147,674
3M Company COM STK 88579y101 40 240 SH   DFND   0 0 240
ABB, Ltd. COM STK 000375204 6,079 287,162 SH   SOLE   12,566 0 274,596
ABB, Ltd. COM STK 000375204 8 380 SH   DFND   0 0 380
AFLAC, Inc. COM STK 001055102 7,554 118,018 SH   SOLE   4,635 0 113,383
AFLAC, Inc. COM STK 001055102 17 260 SH   DFND   0 0 260
AT & T, Inc. New COM STK 00206r102 16,256 497,890 SH   SOLE   18,760 0 479,130
AT & T, Inc. New COM STK 00206r102 100 3,049 SH   DFND   0 0 3,049
AbbVie, Inc. COM STK 00287Y109 1,008 17,215 SH   SOLE   0 0 17,215
AbbVie, Inc. COM STK 00287Y109 14 239 SH   DFND   0 0 239
Abbott Laboratories COM STK 002824100 10,525 227,185 SH   SOLE   8,483 0 218,702
Abbott Laboratories COM STK 002824100 21 449 SH   DFND   0 0 449
Aetna Inc. COM STK 00817y108 1,084 10,180 SH   SOLE   0 0 10,180
Allstate Corp. COM STK 020002101 224 3,148 SH   SOLE   0 0 3,148
American Express COM STK 025816109 320 4,100 SH   SOLE   0 0 4,100
American Growth Fd of America COM STK 399874106 691 15,652 SH   SOLE   0 0 15,652
Amgen, Inc. COM STK 031162100 710 4,442 SH   SOLE   0 0 4,442
Amgen, Inc. COM STK 031162100 392 2,450 SH   DFND   0 0 2,450
Apple Computer, Inc. COM STK 037833100 6,698 53,829 SH   SOLE   2,120 0 51,709
Apple Computer, Inc. COM STK 037833100 71 568 SH   DFND   0 0 568
Ascendant Group Ltd. COM STK g05158103 127 24,200 SH   SOLE   0 0 24,200
Automatic Data Processing COM STK 053015103 13,802 161,157 SH   SOLE   5,440 0 155,717
Automatic Data Processing COM STK 053015103 19 225 SH   DFND   0 0 225
Bank of America Corp COM STK 060505104 262 17,006 SH   SOLE   0 0 17,006
Bank of New York Mellon Corp COM STK 064058100 8,708 216,403 SH   SOLE   9,167 0 207,236
Bank of New York Mellon Corp COM STK 064058100 8 200 SH   DFND   0 0 200
Bemis Co., Inc. COM STK 081437105 10,959 236,650 SH   SOLE   10,320 0 226,330
Bemis Co., Inc. COM STK 081437105 14 300 SH   DFND   0 0 300
Berkshire Hathaway Cl A (1/100 COM STK 084990175 435 200 SH   SOLE   0 0 200
Berkshire Hathaway Cl B COM STK 084670702 881 6,104 SH   SOLE   0 0 6,104
Bio-Rad Labs, Inc. COM STK 090572207 389 2,878 SH   SOLE   0 0 2,878
Boeing Company COM STK 097023105 563 3,750 SH   SOLE   0 0 3,750
Bristol-Myers Squibb Co. COM STK 110122108 1,581 24,508 SH   SOLE   0 0 24,508
Bristol-Myers Squibb Co. COM STK 110122108 6 100 SH   DFND   0 0 100
CDK Global, Inc. COM STK 12508e101 401 8,572 SH   SOLE   0 0 8,572
CDK Global, Inc. COM STK 12508e101 2 43 SH   DFND   0 0 43
CNS Response, Inc. COM STK 12619C200 5 32,181 SH   SOLE   0 0 32,181
Caterpillar, Inc. COM STK 149123101 535 6,679 SH   SOLE   0 0 6,679
Caterpillar, Inc. COM STK 149123101 16 200 SH   DFND   0 0 200
Cathrx, Ltd. COM STK Q2144M106 0 12,932 SH   SOLE   0 0 12,932
Chevron Corporation COM STK 166764100 16,029 152,689 SH   SOLE   5,325 0 147,364
Chevron Corporation COM STK 166764100 184 1,756 SH   DFND   0 0 1,756
Chubb Corp. COM STK 171232101 534 5,280 SH   SOLE   0 0 5,280
Clorox Company COM STK 189054109 4,144 37,540 SH   SOLE   0 0 37,540
Clorox Company COM STK 189054109 339 3,067 SH   DFND   0 0 3,067
Coca Cola Co COM STK 191216100 17,645 435,142 SH   SOLE   15,618 0 419,524
Coca Cola Co COM STK 191216100 26 632 SH   DFND   0 0 632
Colgate Palmolive COM STK 194162103 340 4,900 SH   SOLE   0 0 4,900
DFA Tax Mgd US Equity Fd COM STK 233203447 211 9,359 SH   SOLE   0 0 9,359
DFA Tax Mgd US Mktwide Value F COM STK 233203561 289 11,147 SH   SOLE   0 0 11,147
Deere & Co. COM STK 244199105 378 4,310 SH   SOLE   0 0 4,310
Disney Company, Walt COM STK 254687106 692 6,595 SH   SOLE   0 0 6,595
Dominion Res, Inc. COM STK 25746U109 269 3,798 SH   SOLE   0 0 3,798
Dominion Res, Inc. COM STK 25746U109 38 534 SH   DFND   0 0 534
Dover Corp. COM STK 260003108 249 3,600 SH   SOLE   0 0 3,600
Dow Chemical COM STK 260543103 423 8,810 SH   SOLE   0 0 8,810
Du Pont COM STK 263534109 17,356 242,840 SH   SOLE   9,400 0 233,440
Du Pont COM STK 263534109 34 480 SH   DFND   0 0 480
Edison Intl Corp COM STK 281020107 475 7,600 SH   SOLE   0 0 7,600
Edison Intl Corp COM STK 281020107 256 4,100 SH   DFND   0 0 4,100
Eli Lilly Co COM STK 532457108 1,101 15,150 SH   SOLE   0 0 15,150
Emerson Elec. Co COM STK 291011104 273 4,825 SH   SOLE   0 0 4,825
Energizer Holdings, Inc. COM STK 29266R108 221 1,600 SH   SOLE   0 0 1,600
Exxon Mobil Corp COM STK 30231G102 14,600 171,761 SH   SOLE   4,850 0 166,911
Exxon Mobil Corp COM STK 30231G102 347 4,080 SH   DFND   0 0 4,080
Ford Motor Co COM STK 345370860 6,766 419,198 SH   SOLE   17,850 0 401,348
Ford Motor Co COM STK 345370860 39 2,400 SH   DFND   0 0 2,400
General Electric COM STK 369604103 24,897 1,003,521 SH   SOLE   35,050 0 968,471
General Electric COM STK 369604103 236 9,516 SH   DFND   0 0 9,516
General Mills COM STK 370334104 606 10,700 SH   SOLE   0 0 10,700
Gilead Sciences, Inc. COM STK 375558103 236 2,400 SH   SOLE   0 0 2,400
Grainger, W.W., Inc. COM STK 384802104 4,267 18,096 SH   SOLE   410 0 17,686
Grainger, W.W., Inc. COM STK 384802104 59 250 SH   DFND   0 0 250
Hershey Foods COM STK 427866108 212 2,100 SH   SOLE   0 0 2,100
Hewlett Packard Co COM STK 428236103 466 14,962 SH   SOLE   0 0 14,962
Home Depot, Inc. COM STK 437076102 17,916 157,699 SH   SOLE   5,700 0 151,999
Home Depot, Inc. COM STK 437076102 10 90 SH   DFND   0 0 90
Honeywell, Inc. COM STK 438516106 570 5,464 SH   SOLE   0 0 5,464
Intel Corp COM STK 458140100 14,315 457,771 SH   SOLE   17,600 0 440,171
Intel Corp COM STK 458140100 444 14,200 SH   DFND   0 0 14,200
Intl Business Machines Corp COM STK 459200101 13,930 86,794 SH   SOLE   2,863 0 83,931
Intl Business Machines Corp COM STK 459200101 84 522 SH   DFND   0 0 522
J P Morgan Chase & Co COM STK 46625H100 20,593 339,923 SH   SOLE   12,260 0 327,663
J P Morgan Chase & Co COM STK 46625H100 70 1,151 SH   DFND   0 0 1,151
Johnson & Johnson COM STK 478160104 24,195 240,504 SH   SOLE   9,034 0 231,470
Johnson & Johnson COM STK 478160104 66 655 SH   DFND   0 0 655
Keytech Ltd. COM STK g52536102 82 27,247 SH   SOLE   0 0 27,247
Kimberly-Clark COM STK 494368103 245 2,290 SH   SOLE   150 0 2,140
Kinder Morgan, Inc. COM STK 49456B101 210 5,000 SH   SOLE   0 0 5,000
Lincoln National Corp COM STK 534187109 408 7,100 SH   SOLE   0 0 7,100
Lincoln National Corp COM STK 534187109 23 400 SH   DFND   0 0 400
Marsh & McLennan, Inc. COM STK 571748102 550 9,800 SH   SOLE   0 0 9,800
McDonald's Corp COM STK 580135101 1,420 14,569 SH   SOLE   100 0 14,469
McDonald's Corp COM STK 580135101 17 170 SH   DFND   0 0 170
McGrath Rent Corp COM STK 580589109 263 8,000 SH   SOLE   0 0 8,000
McKesson HBOC Corp. COM STK 58155Q103 805 3,560 SH   SOLE   0 0 3,560
Merck & Co, Inc. COM STK 58933Y105 907 15,788 SH   SOLE   0 0 15,788
Microsoft Corp COM STK 594918104 12,941 318,312 SH   SOLE   13,350 0 304,962
Microsoft Corp COM STK 594918104 20 490 SH   DFND   0 0 490
Nextera Energy, Inc. COM STK 65339F101 843 8,100 SH   SOLE   0 0 8,100
Norfolk Southern Grp COM STK 655844108 2,204 21,412 SH   SOLE   0 0 21,412
Oracle Corp COM STK 68389X105 1,383 32,050 SH   SOLE   0 0 32,050
PNC Financial Services Group COM STK 693475105 602 6,460 SH   SOLE   0 0 6,460
Paccar Inc. COM STK 693718108 1,686 26,700 SH   SOLE   0 0 26,700
Pepsico, Inc. COM STK 713448108 1,242 12,985 SH   SOLE   0 0 12,985
Pfizer, Inc. COM STK 717081103 2,134 61,329 SH   SOLE   0 0 61,329
Pfizer, Inc. COM STK 717081103 28 801 SH   DFND   0 0 801
Pitney Bowes, Inc. COM STK 724479100 888 38,073 SH   SOLE   1,400 0 36,673
Praxair, Inc. COM STK 74005P104 588 4,868 SH   SOLE   275 0 4,593
Praxair, Inc. COM STK 74005P104 2 20 SH   DFND   0 0 20
Procter & Gamble Co COM STK 742718109 24,917 304,084 SH   SOLE   11,240 0 292,844
Procter & Gamble Co COM STK 742718109 30 365 SH   DFND   0 0 365
Qualcomm Inc COM STK 747525103 15,213 219,397 SH   SOLE   8,325 0 211,072
Qualcomm Inc COM STK 747525103 45 655 SH   DFND   0 0 655
Royal Dutch Shell A COM STK 780259206 773 12,960 SH   SOLE   0 0 12,960
S P D R Trust Unit SR COM STK 78462F103 279 1,350 SH   SOLE   0 0 1,350
Schlumberger, Ltd. COM STK 806857108 10,632 127,424 SH   SOLE   5,172 0 122,252
Schlumberger, Ltd. COM STK 806857108 6 70 SH   DFND   0 0 70
Stryker Corp. COM STK 863667101 11,453 124,150 SH   SOLE   4,167 0 119,983
Stryker Corp. COM STK 863667101 30 325 SH   DFND   0 0 325
Target Corporation COM STK 87612E106 301 3,670 SH   SOLE   0 0 3,670
Toyota Motor Corp COM STK 892331307 318 2,275 SH   SOLE   0 0 2,275
US Bancorp COM STK 902973304 1,249 28,600 SH   SOLE   0 0 28,600
Unilever NV COM STK 904784709 816 19,552 SH   SOLE   0 0 19,552
Union Pacific Corp COM STK 907818108 12,932 119,403 SH   SOLE   3,286 0 116,117
Union Pacific Corp COM STK 907818108 23 210 SH   DFND   0 0 210
United Techs Corp COM STK 913017109 1,163 9,920 SH   SOLE   0 0 9,920
V F Corp COM STK 918204108 8,009 106,349 SH   SOLE   5,560 0 100,789
V F Corp COM STK 918204108 11 140 SH   DFND   0 0 140
Varian Medical Systems, Inc. COM STK 92220P105 254 2,700 SH   SOLE   0 0 2,700
Verizon Communications COM STK 92343V104 664 13,644 SH   SOLE   0 0 13,644
Verizon Communications COM STK 92343V104 6 114 SH   DFND   0 0 114
Wal Mart Stores, Inc. COM STK 931142103 12,709 154,519 SH   SOLE   5,700 0 148,819
Wal Mart Stores, Inc. COM STK 931142103 17 205 SH   DFND   0 0 205
Wells Fargo & Co. COM STK 949746101 11,883 218,444 SH   SOLE   5,900 0 212,544
Wells Fargo & Co. COM STK 949746101 21 385 SH   DFND   0 0 385
WestAmerica Bancorp COM STK 957090103 205 4,735 SH   SOLE   0 0 4,735
Whirlpool Corp COM STK 963320106 236 1,168 SH   SOLE   0 0 1,168
Xcel Energy, Inc. COM STK 98389B100 19,474 559,423 SH   SOLE   27,001 0 532,422
Xcel Energy, Inc. COM STK 98389B100 21 610 SH   DFND   0 0 610