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 165 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 387 15,000 SH   SOLE   15,000 0 0
AT&T 5.00 Perp Pfd Ser A PRD 00206R508 204 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 44 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 205 7,500 SH   SOLE   7,500 0 0
New Residential Inv Cp 7.125 C PRD 64828T409 1,183 46,400 SH   SOLE   27,500 0 18,900
New Residential Inv Cp 7.125 C PRD 64828T409 273 10,700 SH   OTR   7,200 0 3,500
Pennymac Mtg Invt Tr Pfd Ser A PRD 70931T301 105 4,000 SH   OTR   4,000 0 0
Ready Capital Corp 7.625 Pfd S PRD 75574U804 187 7,500 SH   SOLE   5,000 0 2,500
Ready Capital Corp 7.625 Pfd S PRD 75574U804 139 5,550 SH   OTR   5,550 0 0
Wells Fargo & Co New Perp Pfd PRD 949746804 1,288 845 SH   SOLE   575 0 270
Wells Fargo & Co New Perp Pfd PRD 949746804 503 330 SH   OTR   110 0 220
3M Co. COM 88579Y101 163 820 SH   SOLE   470 0 350
3M Co. COM 88579Y101 263 1,323 SH   OTR   324 0 999
AFLAC Inc. COM 001055102 3,411 63,575 SH   SOLE   54,987 0 8,588
AFLAC Inc. COM 001055102 140 2,600 SH   OTR   0 0 2,600
AT&T Inc COM 00206R102 661 22,961 SH   SOLE   11,225 0 11,736
AT&T Inc COM 00206R102 29 1,000 SH   OTR   0 0 1,000
AbbVie Inc. COM 00287Y109 1,058 9,395 SH   SOLE   7,235 0 2,160
AbbVie Inc. COM 00287Y109 580 5,150 SH   OTR   250 0 4,900
Abbott Labs COM 002824100 192 1,660 SH   SOLE   0 0 1,660
Abbott Labs COM 002824100 510 4,400 SH   OTR   0 0 4,400
Adobe Sys Inc Com COM 00724F101 73 124 SH   SOLE   124 0 0
Adobe Sys Inc Com COM 00724F101 146 250 SH   OTR   0 0 250
Advanced Micro Devices Com COM 007903107 16,884 179,755 SH   SOLE   133,030 0 46,725
Advanced Micro Devices Com COM 007903107 815 8,675 SH   OTR   275 0 8,400
Air Prod & Chemicals COM 009158106 29 100 SH   OTR   0 0 100
Albemarle Corp. COM 012653101 14,946 88,723 SH   SOLE   60,108 0 28,615
Albemarle Corp. COM 012653101 1,902 11,288 SH   OTR   6,888 0 4,400
Alphabet Inc Cap Stk Cl A COM 02079K305 22,911 9,383 SH   SOLE   6,813 0 2,570
Alphabet Inc Cap Stk Cl A COM 02079K305 2,036 834 SH   OTR   189 0 645
Alphabet Inc Cap Stk Cl C COM 02079K107 6,577 2,624 SH   SOLE   2,206 0 418
Alphabet Inc Cap Stk Cl C COM 02079K107 481 192 SH   OTR   114 0 78
Amazon Com Inc Com COM 023135106 372 108 SH   SOLE   8 0 100
Amer States Water Co COM 029899101 221 2,780 SH   OTR   0 0 2,780
American Tower Corp NE Com COM 03027X100 10,349 38,310 SH   SOLE   23,615 0 14,695
American Tower Corp NE Com COM 03027X100 1,695 6,275 SH   OTR   1,525 0 4,750
Amgen, Inc. Com COM 031162100 726 2,980 SH   SOLE   2,980 0 0
Amgen, Inc. Com COM 031162100 71 290 SH   OTR   90 0 200
Anheuser Busch Inbev S Sponsor COM 03524A108 65 900 SH   SOLE   0 0 900
Apache Corp COM 037411105 1 60 SH   SOLE   60 0 0
Apple, Inc. COM 037833100 29,434 214,912 SH   SOLE   159,751 0 55,161
Apple, Inc. COM 037833100 3,228 23,568 SH   OTR   5,692 0 17,876
Applied Materials Inc. COM 038222105 6,006 42,175 SH   SOLE   32,475 0 9,700
Applied Materials Inc. COM 038222105 601 4,220 SH   OTR   200 0 4,020
Avery Dennison Corp. COM 053611109 589 2,800 SH   SOLE   1,800 0 1,000
BP PLC Spons ADR COM 055622104 91 3,432 SH   SOLE   2,200 0 1,232
BP PLC Spons ADR COM 055622104 64 2,414 SH   OTR   0 0 2,414
Bank of New York Mellon COM 064058100 20 400 SH   OTR   0 0 400
Baxter Intl Inc COM 071813109 59 735 SH   SOLE   0 0 735
Berkshire Hathaway Cl B COM 084670207 498 1,792 SH   SOLE   1,792 0 0
Boeing Co. COM 097023105 229 955 SH   SOLE   480 0 475
Broadridge Financial Solutions COM 11133T103 14,285 88,438 SH   SOLE   65,098 0 23,340
Broadridge Financial Solutions COM 11133T103 1,365 8,450 SH   OTR   3,250 0 5,200
CSX Corp COM 126408103 63 1,950 SH   SOLE   1,950 0 0
California Wtr Svc Group COM 130788102 139 2,500 SH   SOLE   0 0 2,500
Capital One Finl Corp COM 14040H105 14,134 91,369 SH   SOLE   60,785 0 30,584
Capital One Finl Corp COM 14040H105 1,261 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 624 5,953 SH   SOLE   4,228 0 1,725
Chevron Corp COM 166764100 2,105 20,094 SH   OTR   2,852 0 17,242
Cisco Systems COM 17275R102 5,444 102,710 SH   SOLE   79,910 0 22,800
Cisco Systems COM 17275R102 417 7,875 SH   OTR   1,850 0 6,025
CitiGroup Inc COM 172967424 71 1,000 SH   SOLE   1,000 0 0
Coca Cola Co COM 191216100 359 6,630 SH   SOLE   2,300 0 4,330
Coca Cola Co COM 191216100 11 200 SH   OTR   0 0 200
Comcast Corp New Cl A COM 20030N101 86 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 40 170 SH   SOLE   0 0 170
Costco Wholesale COM 22160K105 15,029 37,983 SH   SOLE   27,560 0 10,423
Costco Wholesale COM 22160K105 1,278 3,231 SH   OTR   1,156 0 2,075
Danaher Corp Del COM COM 235851102 16,854 62,803 SH   SOLE   42,358 0 20,445
Danaher Corp Del COM COM 235851102 2,132 7,945 SH   OTR   2,220 0 5,725
Deere & Co COM 244199105 22 63 SH   SOLE   63 0 0
Digital Rlty Tr Inc Com COM 253868103 15 100 SH   SOLE   0 0 100
Disney Walt Co Del COM 254687106 10,221 58,152 SH   SOLE   41,126 0 17,026
Disney Walt Co Del COM 254687106 1,256 7,147 SH   OTR   1,981 0 5,166
Dow Inc COM 260557103 963 15,223 SH   SOLE   14,740 0 483
Dow Inc COM 260557103 182 2,882 SH   OTR   1,449 0 1,433
East West Bancorp Inc Com COM 27579R104 15 213 SH   SOLE   213 0 0
Ecolab Inc Com COM 278865100 124 600 SH   SOLE   0 0 600
Edwards Lifesciences Inc. COM 28176E108 2,701 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 24 1,000 SH   SOLE   0 0 1,000
Etsy Inc Com COM 29786A106 72 350 SH   SOLE   350 0 0
Exact Sciences Corp. COM 30063P105 99 800 SH   SOLE   200 0 600
Exxon Mobil Corp COM 30231G102 139 2,199 SH   SOLE   100 0 2,099
Exxon Mobil Corp COM 30231G102 205 3,245 SH   OTR   1,884 0 1,361
Facebook Inc Cl A COM 30303M102 35 100 SH   SOLE   100 0 0
Fiserv Inc Com COM 337738108 11,224 105,007 SH   SOLE   73,072 0 31,935
Fiserv Inc Com COM 337738108 1,486 13,900 SH   OTR   3,450 0 10,450
Franco Nevada Corp COM 351858105 44 300 SH   SOLE   0 0 300
General Elec Co COM 369604103 415 30,800 SH   SOLE   25,400 0 5,400
General Elec Co COM 369604103 110 8,148 SH   OTR   0 0 8,148
Gilead Sciences Inc. COM 375558103 1,011 14,680 SH   SOLE   9,100 0 5,580
Gilead Sciences Inc. COM 375558103 117 1,700 SH   OTR   0 0 1,700
Goldman Sachs Group COM 38141G104 76 200 SH   SOLE   200 0 0
Halliburton Co COM 406216101 35 1,505 SH   SOLE   1,505 0 0
Hexcel Corp COM 428291108 5,224 83,720 SH   SOLE   44,205 0 39,515
Hexcel Corp COM 428291108 588 9,425 SH   OTR   775 0 8,650
Home Depot Inc COM 437076102 12,489 39,164 SH   SOLE   27,964 0 11,200
Home Depot Inc COM 437076102 1,594 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 64 290 SH   SOLE   290 0 0
Humana Inc. Com COM 444859102 5,888 13,300 SH   SOLE   7,950 0 5,350
Humana Inc. Com COM 444859102 1,193 2,695 SH   OTR   580 0 2,115
IHS Markit LTD COM G47567105 113 1,000 SH   SOLE   0 0 1,000
IQVIA Holdings Inc COM 46266C105 15,610 64,421 SH   SOLE   44,023 0 20,398
IQVIA Holdings Inc COM 46266C105 1,624 6,700 SH   OTR   350 0 6,350
Int'l Bus Mach COM 459200101 132 900 SH   OTR   0 0 900
Intel Corp COM 458140100 430 7,655 SH   SOLE   400 0 7,255
Intel Corp COM 458140100 22 400 SH   OTR   0 0 400
Intercontinental Exchange Grou COM 45866F104 12,864 108,371 SH   SOLE   77,536 0 30,835
Intercontinental Exchange Grou COM 45866F104 1,805 15,210 SH   OTR   3,750 0 11,460
Intuitive Surgical Inc Com New COM 46120E602 224 244 SH   SOLE   0 0 244
JPMorgan Chase & Co COM 46625H100 1,726 11,095 SH   SOLE   9,095 0 2,000
JPMorgan Chase & Co COM 46625H100 381 2,450 SH   OTR   150 0 2,300
Jazz Pharmaceuticals PLC COM G50871105 2 13 SH   OTR   0 0 13
Johnson & Johnson COM 478160104 12,197 74,039 SH   SOLE   53,321 0 20,718
Johnson & Johnson COM 478160104 1,311 7,957 SH   OTR   2,607 0 5,350
Kontoor Brands Inc COM 50050N103 14 245 SH   SOLE   245 0 0
Kraft Heinz Co Comm COM 500754106 80 1,950 SH   SOLE   250 0 1,700
Kraft Heinz Co Comm COM 500754106 35 850 SH   OTR   850 0 0
Lowes Cos Inc Com COM 548661107 95 488 SH   SOLE   0 0 488
Marsh & McLennan Cos Inc. COM 571748102 127 900 SH   SOLE   0 0 900
Mastercard Inc Cl A COM 57636Q104 37 100 SH   SOLE   100 0 0
McDonalds Corp COM 580135101 416 1,800 SH   SOLE   1,800 0 0
McDonalds Corp COM 580135101 98 425 SH   OTR   0 0 425
Merck & Co Inc COM 58933Y105 7,942 102,118 SH   SOLE   76,598 0 25,520
Merck & Co Inc COM 58933Y105 453 5,825 SH   OTR   300 0 5,525
Microsoft Corp COM 594918104 1,696 6,260 SH   SOLE   3,126 0 3,134
Microsoft Corp COM 594918104 605 2,233 SH   OTR   0 0 2,233
Nestle SA Spons ADR (For Reg) COM 641069406 7,570 60,728 SH   SOLE   55,487 0 5,241
Nestle SA Spons ADR (For Reg) COM 641069406 997 7,998 SH   OTR   2,675 0 5,323
New Residential Invt C Com New COM 64828T201 25 2,400 SH   OTR   2,400 0 0
NextEra Energy Inc COM 65339F101 205 2,800 SH   SOLE   0 0 2,800
NextEra Energy Inc COM 65339F101 19 260 SH   OTR   260 0 0
Nike, Inc. Cl B COM 654106103 19 125 SH   OTR   0 0 125
Norfolk Southern Corp COM 655844108 212 800 SH   SOLE   0 0 800
OneOK Inc COM 682680103 214 3,843 SH   OTR   3,843 0 0
Oracle Systems Corp COM 68389X105 47 600 SH   SOLE   0 0 600
Organon & Co COM 68622V106 308 10,170 SH   SOLE   7,651 0 2,519
Organon & Co COM 68622V106 14 462 SH   OTR   30 0 432
Palo Alto Networks Inc. Com COM 697435105 41 110 SH   SOLE   110 0 0
Panasonic Corp ADR (new) COM 69832A205 5 465 SH   SOLE   465 0 0
PayPal Holdings Inc. COM 70450Y103 24,299 83,365 SH   SOLE   59,052 0 24,313
PayPal Holdings Inc. COM 70450Y103 2,951 10,125 SH   OTR   3,400 0 6,725
Pepsico Inc COM 713448108 9,829 66,339 SH   SOLE   48,048 0 18,291
Pepsico Inc COM 713448108 1,051 7,090 SH   OTR   1,265 0 5,825
Pfizer Inc COM 717081103 209 5,328 SH   SOLE   4,328 0 1,000
Pfizer Inc COM 717081103 624 15,930 SH   OTR   1,500 0 14,430
Pinterest Inc Cl A COM 72352L106 100 1,270 SH   SOLE   1,200 0 70
Pioneer Nat Res Co COM 723787107 16 100 SH   OTR   0 0 100
Procter & Gamble Co. COM 742718109 2,124 15,742 SH   SOLE   7,274 0 8,468
Procter & Gamble Co. COM 742718109 1,719 12,738 SH   OTR   600 0 12,138
Public Svc Enterprise COM 744573106 56 944 SH   SOLE   0 0 944
Pulte Group Inc. Com COM 745867101 27 500 SH   SOLE   500 0 0
Qualtrics Intl'l Cl A COM 747601201 115 3,000 SH   SOLE   2,900 0 100
ReInsurance Group Amer COM 759351604 8,529 74,815 SH   SOLE   49,900 0 24,915
ReInsurance Group Amer COM 759351604 1,191 10,450 SH   OTR   2,600 0 7,850
Regeneron Pharmaceutical Com COM 75886F107 215 385 SH   SOLE   0 0 385
Rio Tinto PLC Sponsored ADR COM 767204100 8 100 SH   SOLE   0 0 100
Roper Technologies Inc COM 776696106 14,832 31,543 SH   SOLE   22,420 0 9,123
Roper Technologies Inc COM 776696106 1,681 3,575 SH   OTR   1,050 0 2,525
Ross Stores Inc. COM 778296103 682 5,500 SH   SOLE   5,500 0 0
Royal Dutch Shell PLC Spons AD COM 780259206 1,112 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 2,713 11,105 SH   SOLE   4,370 0 6,735
Salesforce.com Inc COM 79466L302 513 2,100 SH   OTR   0 0 2,100
Sanofi - ADR COM 80105N105 4 75 SH   SOLE   75 0 0
Sanofi - ADR COM 80105N105 16 300 SH   OTR   0 0 300
Schlumberger Ltd COM 806857108 152 4,762 SH   SOLE   1,775 0 2,987
Sibanye-Stillwater LTD Spons A COM 82575P107 76 4,547 SH   SOLE   0 0 4,547
Starbucks Corp COM 855244109 45 400 SH   SOLE   400 0 0
State Street Corp COM 857477103 103 1,250 SH   SOLE   0 0 1,250
State Street Corp COM 857477103 37 450 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 53 300 SH   SOLE   300 0 0
Teledyne Technologies COM 879360105 8,016 19,139 SH   SOLE   11,877 0 7,262
Teledyne Technologies COM 879360105 1,010 2,412 SH   OTR   1,040 0 1,372
Tesla Inc Com COM 88160R101 129 190 SH   SOLE   0 0 190
Tredegar Corp. COM 894650100 20 1,455 SH   SOLE   1,455 0 0
Twitter Inc Com COM 90184L102 48 700 SH   SOLE   700 0 0
Union Pac Corp COM 907818108 27 124 SH   SOLE   124 0 0
United Parcel Service Cl B COM 911312106 34 165 SH   OTR   0 0 165
Unity Software Inc. COM 91332U101 49 450 SH   SOLE   450 0 0
Universal Display Corp Com COM 91347P105 111 500 SH   SOLE   0 0 500
Unum Group COM 91529Y106 883 31,075 SH   SOLE   12,600 0 18,475
Unum Group COM 91529Y106 304 10,700 SH   OTR   1,600 0 9,100
V F Corp COM 918204108 137 1,675 SH   SOLE   1,675 0 0
Veolia Environment Sponsored A COM 92334N103 11,352 375,840 SH   SOLE   262,945 0 112,895
Veolia Environment Sponsored A COM 92334N103 1,454 48,150 SH   OTR   11,100 0 37,050
Verisign Inc. Com. COM 92343E102 1,357 5,962 SH   SOLE   5,962 0 0
Verizon Communications COM 92343V104 930 16,607 SH   SOLE   16,007 0 600
Verizon Communications COM 92343V104 192 3,428 SH   OTR   1,450 0 1,978
Vertex Pharmaceuticals Com COM 92532F100 187 928 SH   SOLE   637 0 291
Vertex Pharmaceuticals Com COM 92532F100 242 1,200 SH   OTR   0 0 1,200
Viatris Inc COM 92556V106 31 2,203 SH   SOLE   2,079 0 124
Viatris Inc COM 92556V106 27 1,876 SH   OTR   186 0 1,690
Visa Inc Cl A COM 92826C839 15,044 64,339 SH   SOLE   42,615 0 21,724
Visa Inc Cl A COM 92826C839 2,132 9,116 SH   OTR   2,475 0 6,641
Walgreens Boots Alliance Inc COM 931427108 14 265 SH   SOLE   0 0 265
Walgreens Boots Alliance Inc COM 931427108 99 1,891 SH   OTR   0 0 1,891
Wisdomtree Tr India Erngs Fd COM 97717W422 7 220 SH   SOLE   220 0 0
Woodward Inc COM 980745103 2,991 24,340 SH   SOLE   7,255 0 17,085
Woodward Inc COM 980745103 627 5,100 SH   OTR   3,000 0 2,100
Wynn Resorts LTD COM 983134107 37 300 SH   SOLE   300 0 0
Zoetis Inc Cl A COM 98978V103 9 47 SH   SOLE   47 0 0
Zoetis Inc Cl A COM 98978V103 192 1,028 SH   OTR   0 0 1,028
Zoom Video Comm. Cl A COM 98980L101 145 375 SH   OTR   0 0 375
iShares Core S&P MCP ETF COM 464287507 161 600 SH   OTR   0 0 600
JG Boswell Co PRIV EQS 101205102 3,302 4,077 SH   SOLE   4,077 0 0
ClearBridge Large Cap Growth F EQ FDS 52469H826 232 3,460 SH   SOLE   0 0 3,460
Clearbridge Energy MLP Opportu EQ FDS 18469P100 10 414 SH   OTR   414 0 0
Fidelity Diversified Internati EQ FDS 315910802 266 5,236 SH   OTR   0 0 5,236
Harding Loevner Instl Emerg Mk EQ FDS 412295701 117 4,270 SH   OTR   0 0 4,270
JPMorgan Emerging Markets Equi EQ FDS 4812A0631 111 2,435 SH   OTR   0 0 2,435
JPMorgan US Equity L EQ FDS 4812A1142 225 10,382 SH   OTR   0 0 10,382