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
Dominion Res 6.125% 4/01/2016 CV PFD 25746U703 27 500 SH   SOLE   0 0 500
Dominion Res 6.125% 4/01/2016 CV PFD 25746U703 53 1,000 SH   OTR   0 0 1,000
Southwestern Energy Co 6.25% 0 CV PFD 845467208 198 10,700 SH   SOLE   6,000 0 4,700
Southwestern Energy Co 6.25% 0 CV PFD 845467208 154 8,300 SH   OTR   0 0 8,300
Stanley Black & Decker Corp 6. CV PFD 854502804 311 2,650 SH   OTR   0 0 2,650
Wells Fargo & Co New Dep Shs S PRD 949746879 48 1,700 SH   OTR   0 0 1,700
3M Co. COM 88579Y101 102 680 SH   SOLE   355 0 325
3M Co. COM 88579Y101 2,278 15,124 SH   OTR   124 0 15,000
AFLAC Inc. COM 001055102 5,496 91,756 SH   SOLE   24,462 0 67,294
AFLAC Inc. COM 001055102 625 10,428 SH   OTR   1,678 0 8,750
AT&T Inc COM 00206R102 138 4,000 SH   SOLE   0 0 4,000
AT&T Inc COM 00206R102 13 381 SH   OTR   81 0 300
AbbVie Inc. COM 00287Y109 205 3,460 SH   SOLE   0 0 3,460
AbbVie Inc. COM 00287Y109 435 7,350 SH   OTR   0 0 7,350
Abbott Labs COM 002824100 81 1,810 SH   SOLE   0 0 1,810
Abbott Labs COM 002824100 321 7,150 SH   OTR   0 0 7,150
Activision Blizzard Inc COM 00507V109 0 6 SH   OTR   0 0 6
Adobe Sys Inc Com COM 00724F101 28 300 SH   OTR   0 0 300
Air Prods & Chems, Inc. COM 009158106 572 4,400 SH   OTR   0 0 4,400
Albemarle Corp. COM 012653101 652 11,640 SH   OTR   11,640 0 0
Allergan COM G0177J108 163 523 SH   SOLE   0 0 523
Alphabet Inc Cap Stk Cl A COM 02079K305 11,900 15,295 SH   SOLE   8,228 0 7,067
Alphabet Inc Cap Stk Cl A COM 02079K305 2,488 3,198 SH   OTR   223 0 2,975
Alphabet Inc Cap Stk Cl C COM 02079K107 10,719 14,125 SH   SOLE   7,594 0 6,531
Alphabet Inc Cap Stk Cl C COM 02079K107 546 719 SH   OTR   214 0 505
Altria Group Inc COM 02209S103 120 2,064 SH   OTR   0 0 2,064
Amer States Water Co COM 029899101 213 5,080 SH   OTR   0 0 5,080
America Movil SAB De C Spons A COM 02364W105 20 1,400 SH   SOLE   0 0 1,400
American Elec Pwr COM 025537101 35 600 SH   OTR   0 0 600
American Express Co COM 025816109 70 1,000 SH   SOLE   0 0 1,000
American Intl Group Com New COM 026874784 8,354 134,810 SH   SOLE   109,885 0 24,925
American Intl Group Com New COM 026874784 1,453 23,450 SH   OTR   250 0 23,200
Amgen, Inc. Com COM 031162100 5,032 31,000 SH   SOLE   1,600 0 29,400
Amgen, Inc. Com COM 031162100 609 3,752 SH   OTR   62 0 3,690
AngloGold Ashanti LTD Spons AD COM 035128206 71 10,000 SH   SOLE   0 0 10,000
Annaly Capital Mgmt Inc. COM 035710409 19 2,000 SH   OTR   0 0 2,000
Anthem Inc COM 036752103 13,358 95,795 SH   SOLE   45,330 0 50,465
Anthem Inc COM 036752103 1,850 13,265 SH   OTR   1,790 0 11,475
Apache Corp COM 037411105 9,536 214,445 SH   SOLE   90,100 0 124,345
Apache Corp COM 037411105 888 19,975 SH   OTR   825 0 19,150
Apple, Inc. COM 037833100 21,147 200,906 SH   SOLE   110,361 0 90,545
Apple, Inc. COM 037833100 3,176 30,175 SH   OTR   4,180 0 25,995
Applied Materials Inc. COM 038222105 2,526 135,300 SH   SOLE   115,100 0 20,200
Applied Materials Inc. COM 038222105 174 9,320 SH   OTR   6,700 0 2,620
Automatic Data Process Com COM 053015103 230 2,710 SH   OTR   0 0 2,710
Avery Dennison Corp. COM 053611109 357 5,700 SH   OTR   5,700 0 0
B & G Foods Inc. COM 05508R106 18 500 SH   OTR   0 0 500
BASF SE Sponsored ADR COM 055262505 77 1,000 SH   OTR   0 0 1,000
BP PLC Spons ADR COM 055622104 69 2,200 SH   SOLE   0 0 2,200
BP PLC Spons ADR COM 055622104 217 6,949 SH   OTR   1,500 0 5,449
Bank of America Corp COM 060505104 11,737 697,395 SH   SOLE   339,525 0 357,870
Bank of America Corp COM 060505104 1,212 71,990 SH   OTR   11,590 0 60,400
Bank of New York Mellon COM 064058100 33 800 SH   OTR   0 0 800
Baxalta Inc COM 07177M103 6 150 SH   SOLE   150 0 0
Baxter Intl Inc. COM 071813109 6 150 SH   SOLE   150 0 0
Becton Dickson & Co COM 075887109 0 3 SH   SOLE   3 0 0
Bed Bath & Beyond, Inc. Com COM 075896100 1,677 34,765 SH   SOLE   14,110 0 20,655
Bed Bath & Beyond, Inc. Com COM 075896100 527 10,930 SH   OTR   240 0 10,690
Berkshire Hathaway Cl B COM 084670207 247 1,867 SH   SOLE   1,867 0 0
Berkshire Hathaway Cl B COM 084670207 26 200 SH   OTR   0 0 200
Biomed Realty Trust COM 09063H107 62 2,600 SH   OTR   0 0 2,600
Bk of Montreal Quebec COM 063671101 56 1,000 SH   SOLE   0 0 1,000
Boeing Co. COM 097023105 42 290 SH   SOLE   290 0 0
Boeing Co. COM 097023105 98 680 SH   OTR   680 0 0
Boston Properties Inc. COM 101121101 77 606 SH   OTR   0 0 606
Bristol Myers Squibb COM 110122108 107 1,550 SH   SOLE   1,050 0 500
Bristol Myers Squibb COM 110122108 169 2,450 SH   OTR   2,050 0 400
CVS Caremark Corp COM 126650100 34 345 SH   SOLE   345 0 0
CVS Caremark Corp COM 126650100 547 5,593 SH   OTR   0 0 5,593
California Wtr Svc Group COM 130788102 70 3,000 SH   SOLE   0 0 3,000
Capital One Finl Corp COM 14040H105 10,051 139,245 SH   SOLE   56,605 0 82,640
Capital One Finl Corp COM 14040H105 767 10,625 SH   OTR   375 0 10,250
Cardinal Health Inc. COM 14149Y108 8 93 SH   SOLE   93 0 0
Caterpillar Inc. COM 149123101 41 600 SH   SOLE   0 0 600
Caterpillar Inc. COM 149123101 48 700 SH   OTR   0 0 700
Celgene Corp COM 151020104 9,754 81,448 SH   SOLE   59,048 0 22,400
Celgene Corp COM 151020104 1,162 9,700 SH   OTR   2,500 0 7,200
Cerner Corp COM 156782104 9,159 152,215 SH   SOLE   75,340 0 76,875
Cerner Corp COM 156782104 448 7,450 SH   OTR   0 0 7,450
Charles Schwab Corp (New) COM 808513105 489 14,857 SH   SOLE   14,182 0 675
Charles Schwab Corp (New) COM 808513105 99 3,000 SH   OTR   3,000 0 0
Chevron Corp COM 166764100 3,068 34,108 SH   SOLE   24,445 0 9,663
Chevron Corp COM 166764100 3,644 40,509 SH   OTR   6,276 0 34,233
Cisco Systems COM 17275R102 3,362 123,821 SH   SOLE   98,921 0 24,900
Cisco Systems COM 17275R102 752 27,675 SH   OTR   4,100 0 23,575
Coca Cola Co COM 191216100 691 16,092 SH   SOLE   5,400 0 10,692
Coca Cola Co COM 191216100 373 8,672 SH   OTR   2,300 0 6,372
ConocoPhillips COM 20825C104 187 4,000 SH   OTR   0 0 4,000
Consolidated Edison Inc COM 209115104 129 2,000 SH   OTR   0 0 2,000
Costco Wholesale COM 22160K105 12,801 79,264 SH   SOLE   40,238 0 39,026
Costco Wholesale COM 22160K105 1,395 8,636 SH   OTR   1,356 0 7,280
DR Horton Inc COM 23331A109 15,325 478,470 SH   SOLE   245,800 0 232,670
DR Horton Inc COM 23331A109 1,865 58,240 SH   OTR   8,090 0 50,150
Deere & Co COM 244199105 23 300 SH   OTR   0 0 300
Delphi Automotive PLC Shs COM G27823106 4,029 47,000 SH   SOLE   0 0 47,000
Digital Realty Trust Inc COM 253868103 102 1,350 SH   OTR   0 0 1,350
Disney Walt Co Del COM 254687106 13,870 131,993 SH   SOLE   67,901 0 64,092
Disney Walt Co Del COM 254687106 886 8,431 SH   OTR   2,106 0 6,325
Dollar Gen Corp. COM 256677105 5 75 SH   SOLE   75 0 0
Du Pont E I Nemours Com COM 263534109 4 55 SH   OTR   55 0 0
Eaton Corp COM G29183103 3,554 68,300 SH   SOLE   3,350 0 64,950
Eaton Corp COM G29183103 523 10,050 SH   OTR   3,400 0 6,650
Edison IntlM COM 281020107 36 600 SH   OTR   0 0 600
Edwards Lifesciences Inc. COM 28176E108 16 200 SH   SOLE   200 0 0
Edwards Lifesciences Inc. COM 28176E108 505 6,400 SH   OTR   0 0 6,400
Energy Transfer Partners COM 29273R109 24 700 SH   SOLE   0 0 700
Energy Transfer Partners COM 29273R109 365 10,825 SH   OTR   1,700 0 9,125
Equity Residential Sh Ben Int COM 29476L107 164 2,011 SH   OTR   0 0 2,011
Express Scripts Holding Co (ne COM 30219G108 12,045 137,796 SH   SOLE   67,676 0 70,120
Express Scripts Holding Co (ne COM 30219G108 1,053 12,050 SH   OTR   2,575 0 9,475
Exxon Mobil Corp COM 30231G102 620 7,954 SH   SOLE   1,350 0 6,604
Exxon Mobil Corp COM 30231G102 1,018 13,056 SH   OTR   0 0 13,056
Fairpoint Communication (new) COM 305560104 0 75 SH   OTR   28 0 47
FireEye Inc COM 31816Q101 21 1,000 SH   OTR   0 0 1,000
Franco Nevada Corp COM 351858105 23 500 SH   SOLE   0 0 500
General Elec Co COM 369604103 9,799 314,574 SH   SOLE   237,314 0 77,260
General Elec Co COM 369604103 3,622 116,274 SH   OTR   11,676 0 104,598
General Mills Inc COM 370334104 69 1,200 SH   SOLE   0 0 1,200
General Mills Inc COM 370334104 231 4,000 SH   OTR   300 0 3,700
Genuine Parts Co COM 372460105 86 1,000 SH   OTR   0 0 1,000
Gilead Sciences Inc. COM 375558103 3,946 39,000 SH   SOLE   0 0 39,000
GoldCorp Inc COM 380956409 9 800 SH   SOLE   0 0 800
Goldman Sachs Group COM 38141G104 11,958 66,350 SH   SOLE   31,305 0 35,045
Goldman Sachs Group COM 38141G104 1,311 7,275 SH   OTR   1,075 0 6,200
HP Inc COM 40434L105 65 5,500 SH   OTR   0 0 5,500
Halyard Health Inc. COM 40650V100 5 137 SH   SOLE   0 0 137
Hershey Co COM 427866108 10 109 SH   SOLE   109 0 0
Hewlett Packard Enterp COM 42824C109 84 5,500 SH   OTR   0 0 5,500
Hexcel Corp COM 428291108 13,114 282,315 SH   SOLE   143,430 0 138,885
Hexcel Corp COM 428291108 1,144 24,635 SH   OTR   950 0 23,685
Home Depot Inc COM 437076102 212 1,600 SH   OTR   0 0 1,600
Int'l Bus Mach COM 459200101 334 2,428 SH   SOLE   375 0 2,053
Int'l Bus Mach COM 459200101 476 3,460 SH   OTR   0 0 3,460
Intel Corp COM 458140100 9,117 264,638 SH   SOLE   140,858 0 123,780
Intel Corp COM 458140100 1,695 49,206 SH   OTR   8,156 0 41,050
Intercontinental Exchange Grou COM 45866F104 4 17 SH   SOLE   17 0 0
Intercontinental Exchange Grou COM 45866F104 261 1,018 SH   OTR   111 0 907
JPMorgan Chase & Co COM 46625H100 436 6,600 SH   SOLE   4,000 0 2,600
JPMorgan Chase & Co COM 46625H100 135 2,050 SH   OTR   1,800 0 250
Johnson & Johnson COM 478160104 11,670 113,607 SH   SOLE   60,417 0 53,190
Johnson & Johnson COM 478160104 2,062 20,078 SH   OTR   3,552 0 16,526
Kimberly Clark Corp COM 494368103 140 1,100 SH   SOLE   0 0 1,100
Kimberly Clark Corp COM 494368103 156 1,222 SH   OTR   0 0 1,222
Kroger Co. COM 501044101 17 400 SH   OTR   0 0 400
Lilly Eli & Co COM 532457108 105 1,250 SH   OTR   0 0 1,250
Lockheed Martin Corp COM 539830109 347 1,600 SH   OTR   0 0 1,600
Marsh & McLennan Cos I Com COM 571748102 189 3,400 SH   SOLE   0 0 3,400
McDonalds Corp COM 580135101 227 1,925 SH   SOLE   0 0 1,925
McDonalds Corp COM 580135101 1,043 8,825 SH   OTR   2,000 0 6,825
Merck & Co Inc COM 58933Y105 26 500 SH   SOLE   0 0 500
Merck & Co Inc COM 58933Y105 100 1,886 SH   OTR   310 0 1,576
Metlife Inc. COM 59156R108 77 1,603 SH   SOLE   0 0 1,603
Metlife Inc. COM 59156R108 140 2,900 SH   OTR   200 0 2,700
Microsoft Corp COM 594918104 145 2,613 SH   SOLE   1,513 0 1,100
Microsoft Corp COM 594918104 406 7,325 SH   OTR   1,900 0 5,425
Mondelez Intl Inc Cl A COM 609207105 7,631 170,185 SH   SOLE   58,850 0 111,335
Mondelez Intl Inc Cl A COM 609207105 901 20,100 SH   OTR   0 0 20,100
Monsanto Co. COM 61166W101 246 2,500 SH   SOLE   0 0 2,500
Mosaic Co. COM 61945C103 41 1,500 SH   SOLE   0 0 1,500
Mylan NV EURO Shs COM N59465109 11,320 209,360 SH   SOLE   105,635 0 103,725
Mylan NV EURO Shs COM N59465109 1,028 19,020 SH   OTR   4,370 0 14,650
NationStar Mtg Hldgs COM 63861C109 96 7,165 SH   SOLE   1,175 0 5,990
NationStar Mtg Hldgs COM 63861C109 8 575 SH   OTR   75 0 500
Nestle SA Spons ADR (For Reg) COM 641069406 4,582 61,571 SH   SOLE   58,156 0 3,415
Nestle SA Spons ADR (For Reg) COM 641069406 1,685 22,646 SH   OTR   4,040 0 18,606
New Senior Investment Group COM 648691103 6 600 SH   SOLE   0 0 600
New Senior Investment Group COM 648691103 52 5,266 SH   OTR   0 0 5,266
Nokia Corp Sponsored ADR COM 654902204 1 150 SH   OTR   0 0 150
Norfolk Southern Corp COM 655844108 144 1,700 SH   SOLE   0 0 1,700
OGE Energy Corp. COM 670837103 13 480 SH   SOLE   480 0 0
Oracle Systems Corp COM 68389X105 29 800 SH   SOLE   0 0 800
Oracle Systems Corp COM 68389X105 292 8,000 SH   OTR   0 0 8,000
PG&E Co COM 69331C108 117 2,200 SH   OTR   0 0 2,200
Paccar Inc COM 693718108 121 2,550 SH   SOLE   0 0 2,550
Paccar Inc COM 693718108 156 3,300 SH   OTR   0 0 3,300
Panasonic Corp ADR (new) COM 69832A205 5 465 SH   SOLE   465 0 0
PayPal Holdings Inc. COM 70450Y103 10,552 291,490 SH   SOLE   148,340 0 143,150
PayPal Holdings Inc. COM 70450Y103 802 22,156 SH   OTR   5,556 0 16,600
Pepsico Inc COM 713448108 13,820 138,310 SH   SOLE   68,840 0 69,470
Pepsico Inc COM 713448108 2,735 27,375 SH   OTR   2,365 0 25,010
Pfizer Inc COM 717081103 29 900 SH   SOLE   900 0 0
Pfizer Inc COM 717081103 648 20,081 SH   OTR   3,300 0 16,781
Piedmont Nat Gas Inc COM 720186105 34 600 SH   OTR   0 0 600
Pitney Bowes Inc COM 724479100 46 2,250 SH   OTR   0 0 2,250
Plum Creek Timber Co I COM 729251108 100 2,100 SH   SOLE   0 0 2,100
Plum Creek Timber Co I COM 729251108 55 1,150 SH   OTR   0 0 1,150
Potash Corp SASK Inc COM 73755L107 74 4,350 SH   SOLE   0 0 4,350
Procter & Gamble Co. COM 742718109 1,235 15,551 SH   SOLE   5,259 0 10,292
Procter & Gamble Co. COM 742718109 2,463 31,015 SH   OTR   1,550 0 29,465
Qualcomm Inc. COM 747525103 10,212 204,295 SH   SOLE   82,270 0 122,025
Qualcomm Inc. COM 747525103 1,436 28,725 SH   OTR   5,050 0 23,675
Roper Technologies Inc COM 776696106 14,965 78,850 SH   SOLE   39,910 0 38,940
Roper Technologies Inc COM 776696106 1,290 6,795 SH   OTR   1,475 0 5,320
Ross Stores Inc. COM 778296103 769 14,300 SH   SOLE   14,300 0 0
Royal Dutch Shell PLC Spons AD COM 780259206 1,162 25,374 SH   SOLE   25,374 0 0
Royal Dutch Shell PLC Spons AD COM 780259206 101 2,200 SH   OTR   2,200 0 0
SPDR Gold Trust Gold Shs COM 78463V107 41 400 SH   OTR   0 0 400
Sanofi - ADR COM 80105N105 3 75 SH   SOLE   75 0 0
Sanofi - ADR COM 80105N105 309 7,250 SH   OTR   2,000 0 5,250
Schlumberger Ltd COM 806857108 6,958 99,752 SH   SOLE   53,072 0 46,680
Schlumberger Ltd COM 806857108 235 3,375 SH   OTR   300 0 3,075
Sempra Energy COM 816851109 291 3,100 SH   SOLE   0 0 3,100
Sempra Energy COM 816851109 153 1,624 SH   OTR   1,624 0 0
Siemens AG Spons ADR (new) COM 826197501 20 200 SH   SOLE   0 0 200
Siemens AG Spons ADR (new) COM 826197501 430 4,400 SH   OTR   0 0 4,400
Smith & Nephew PLC Spons ADR COM 83175M205 452 12,700 SH   SOLE   7,800 0 4,900
Smith & Nephew PLC Spons ADR COM 83175M205 130 3,650 SH   OTR   2,850 0 800
South32 LTD Spons ADR COM 84473L105 2 400 SH   SOLE   0 0 400
Southern Co COM 842587107 140 3,000 SH   OTR   0 0 3,000
Southwestern Energy Co COM 845467109 32 4,445 SH   SOLE   150 0 4,295
Southwestern Energy Co COM 845467109 3 450 SH   OTR   175 0 275
Starbucks Corp COM 855244109 42 700 SH   OTR   400 0 300
State Street Corp COM 857477103 143 2,150 SH   OTR   0 0 2,150
Syngenta AG ADR COM 87160A100 71 900 SH   SOLE   0 0 900
Syngenta AG ADR COM 87160A100 256 3,250 SH   OTR   0 0 3,250
Sysco Corp COM 871829107 209 5,100 SH   OTR   0 0 5,100
Target Corp COM 87612E106 22 300 SH   SOLE   0 0 300
Target Corp COM 87612E106 194 2,675 SH   OTR   850 0 1,825
Tenet Healthcare Corp COM 88033G407 539 17,775 SH   SOLE   3,905 0 13,870
Tenet Healthcare Corp COM 88033G407 428 14,140 SH   OTR   90 0 14,050
Teva Pharmaceutical Inds ADR COM 881624209 400 6,100 SH   SOLE   6,100 0 0
The Chemours Co COM 163851108 1 200 SH   SOLE   0 0 200
The Chemours Co COM 163851108 0 11 SH   OTR   11 0 0
Tredegar Corp. COM 894650100 28 2,080 SH   OTR   2,080 0 0
Unilever PLC Spon ADR New COM 904767704 52 1,200 SH   SOLE   0 0 1,200
Union Pac Corp COM 907818108 9,288 118,768 SH   SOLE   50,008 0 68,760
Union Pac Corp COM 907818108 834 10,670 SH   OTR   1,320 0 9,350
United Parcel Service Cl B COM 911312106 260 2,700 SH   SOLE   2,700 0 0
United Technologies COM 913017109 332 3,453 SH   OTR   1,100 0 2,353
Unum Group COM 91529Y106 11,492 345,195 SH   SOLE   181,870 0 163,325
Unum Group COM 91529Y106 1,508 45,285 SH   OTR   5,885 0 39,400
V F Corp COM 918204108 112 1,800 SH   SOLE   1,600 0 200
Verisign Inc. Com. COM 92343E102 538 6,153 SH   SOLE   6,153 0 0
Verizon Communications COM 92343V104 108 2,329 SH   SOLE   0 0 2,329
Verizon Communications COM 92343V104 666 14,402 SH   OTR   2,357 0 12,045
Visa Inc Cl A COM 92826C839 62 800 SH   SOLE   0 0 800
Visa Inc Cl A COM 92826C839 185 2,380 SH   OTR   0 0 2,380
Vivendi ORD Shs COM F97982106 17 792 SH   SOLE   792 0 0
Vodafone Group PLC Spons ADR COM 92857W308 163 5,041 SH   SOLE   4,524 0 517
Vodafone Group PLC Spons ADR COM 92857W308 125 3,877 SH   OTR   218 0 3,659
WEC Energy Group Inc COM 92939U106 154 3,000 SH   OTR   3,000 0 0
WalMart Stores, Inc. COM 931142103 39 634 SH   OTR   44 0 590
Walgreens Boots Alliance Inc COM 931427108 95 1,120 SH   SOLE   0 0 1,120
Walgreens Boots Alliance Inc COM 931427108 161 1,891 SH   OTR   0 0 1,891
Wells Fargo & Co New COM 949746101 9 170 SH   OTR   170 0 0
Zimmer Biomet Hldgs Inc COM 98956P102 1 8 SH   SOLE   8 0 0
Zoetis Inc Cl A COM 98978V103 6 118 SH   SOLE   118 0 0
Zoetis Inc Cl A COM 98978V103 49 1,028 SH   OTR   0 0 1,028
iShares Silver Trust COM 46428Q109 4 300 SH   OTR   0 0 300