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 163 6,600 SH   SOLE   6,600 0 0
AG Mortgage Inv Tr 8 Pfd Ser B PRD 001228303 133 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 50 2,000 SH   OTR   0 0 2,000
AGNC Invt Corp 6.5 Pfd Ser E PRD 00123Q807 312 12,167 SH   SOLE   12,167 0 0
AT&T 5.00 Perp Pfd Ser A PRD 00206R508 161 6,000 SH   SOLE   6,000 0 0
Capital One Finl Corp DP Shs P PRD 14040H824 32 1,200 SH   OTR   0 0 1,200
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 64 2,550 SH   OTR   0 0 2,550
Ford Mtr 6.20 Pfd Due 06/01/20 PRD 345370845 164 6,000 SH   SOLE   6,000 0 0
Ford Mtr 6.20 Pfd Due 06/01/20 PRD 345370845 63 2,300 SH   OTR   0 0 2,300
New Residential Inv Cp 7.125 C PRD 64828T409 1,069 42,233 SH   SOLE   32,333 0 9,900
New Residential Inv Cp 7.125 C PRD 64828T409 271 10,700 SH   OTR   7,200 0 3,500
New Residential Invt 6.375 Pfd PRD 64828T508 28 1,200 SH   OTR   0 0 1,200
Pennymac Mtg Invt Tr Pfd Ser A PRD 70931T301 105 4,000 SH   OTR   4,000 0 0
Wells Fargo & Co New Perp Pfd PRD 949746804 1,198 804 SH   SOLE   534 0 270
Wells Fargo & Co New Perp Pfd PRD 949746804 492 330 SH   OTR   110 0 220
3M Co. COM 88579Y101 146 820 SH   SOLE   470 0 350
3M Co. COM 88579Y101 457 2,573 SH   OTR   324 0 2,249
AFLAC Inc. COM 001055102 3,692 63,225 SH   SOLE   54,637 0 8,588
AFLAC Inc. COM 001055102 152 2,600 SH   OTR   0 0 2,600
AT&T Inc COM 00206R102 395 16,061 SH   SOLE   4,661 0 11,400
AT&T Inc COM 00206R102 74 3,000 SH   OTR   2,000 0 1,000
AbbVie Inc. COM 00287Y109 1,168 8,628 SH   SOLE   6,468 0 2,160
AbbVie Inc. COM 00287Y109 701 5,175 SH   OTR   0 0 5,175
Abbott Labs COM 002824100 234 1,660 SH   SOLE   0 0 1,660
Abbott Labs COM 002824100 619 4,400 SH   OTR   0 0 4,400
Adobe Sys Inc Com COM 00724F101 70 124 SH   SOLE   124 0 0
Adobe Sys Inc Com COM 00724F101 142 250 SH   OTR   0 0 250
Advanced Micro Devices Com COM 007903107 25,003 173,755 SH   SOLE   127,280 0 46,475
Advanced Micro Devices Com COM 007903107 1,248 8,675 SH   OTR   275 0 8,400
Air Prod & Chemicals COM 009158106 30 100 SH   OTR   0 0 100
Albemarle Corp. COM 012653101 20,612 88,173 SH   SOLE   60,108 0 28,065
Albemarle Corp. COM 012653101 2,484 10,626 SH   OTR   6,226 0 4,400
Alphabet Inc Cap Stk Cl A COM 02079K305 26,207 9,046 SH   SOLE   6,542 0 2,504
Alphabet Inc Cap Stk Cl A COM 02079K305 2,416 834 SH   OTR   179 0 655
Alphabet Inc Cap Stk Cl C COM 02079K107 7,335 2,535 SH   SOLE   2,157 0 378
Alphabet Inc Cap Stk Cl C COM 02079K107 556 192 SH   OTR   114 0 78
Amazon Com Inc Com COM 023135106 360 108 SH   SOLE   8 0 100
Amer States Water Co COM 029899101 288 2,780 SH   OTR   0 0 2,780
American Tower Corp NE Com COM 03027X100 11,103 37,960 SH   SOLE   23,565 0 14,395
American Tower Corp NE Com COM 03027X100 1,835 6,275 SH   OTR   1,525 0 4,750
Amgen, Inc. Com COM 031162100 603 2,680 SH   SOLE   2,680 0 0
Amgen, Inc. Com COM 031162100 65 290 SH   OTR   0 0 290
Anheuser Busch Inbev S Sponsor COM 03524A108 91 1,500 SH   SOLE   200 0 1,300
Apache Corp COM 037411105 2 60 SH   SOLE   60 0 0
Apple, Inc. COM 037833100 37,482 211,083 SH   SOLE   156,681 0 54,402
Apple, Inc. COM 037833100 4,277 24,088 SH   OTR   5,212 0 18,876
Applied Materials Inc. COM 038222105 6,427 40,842 SH   SOLE   31,142 0 9,700
Applied Materials Inc. COM 038222105 664 4,220 SH   OTR   0 0 4,220
Avery Dennison Corp. COM 053611109 606 2,800 SH   SOLE   1,800 0 1,000
Avery Dennison Corp. COM 053611109 455 2,100 SH   OTR   0 0 2,100
BP PLC Spons ADR COM 055622104 91 3,432 SH   SOLE   3,432 0 0
BP PLC Spons ADR COM 055622104 32 1,214 SH   OTR   0 0 1,214
Bank of New York Mellon COM 064058100 23 400 SH   OTR   0 0 400
Baxter Intl Inc COM 071813109 63 735 SH   SOLE   735 0 0
Berkshire Hathaway Cl B COM 084670207 536 1,792 SH   SOLE   1,792 0 0
Boeing Co. COM 097023105 192 955 SH   SOLE   480 0 475
Broadridge Financial Solutions COM 11133T103 15,874 86,826 SH   SOLE   63,886 0 22,940
Broadridge Financial Solutions COM 11133T103 1,453 7,950 SH   OTR   2,750 0 5,200
CSX Corp COM 126408103 73 1,950 SH   SOLE   1,950 0 0
CVS Caremark Corp COM 126650100 277 2,685 SH   OTR   0 0 2,685
California Wtr Svc Group COM 130788102 180 2,500 SH   SOLE   0 0 2,500
Capital One Finl Corp COM 14040H105 12,953 89,278 SH   SOLE   59,644 0 29,634
Capital One Finl Corp COM 14040H105 1,139 7,852 SH   OTR   2,550 0 5,302
Cardinal Health Inc. COM 14149Y108 5 93 SH   SOLE   93 0 0
Caterpillar Inc COM 149123101 16 79 SH   SOLE   0 0 79
Cemex SAB De CV Spons ADR COM 151290889 7 1,050 SH   OTR   0 0 1,050
Charles Schwab Corp (New) COM 808513105 1,285 15,282 SH   SOLE   13,757 0 1,525
Charles Schwab Corp (New) COM 808513105 169 2,011 SH   OTR   2,011 0 0
Chevron Corp COM 166764100 665 5,670 SH   SOLE   4,344 0 1,326
Chevron Corp COM 166764100 2,384 20,319 SH   OTR   3,077 0 17,242
Cisco Systems COM 17275R102 6,432 101,498 SH   SOLE   78,344 0 23,154
Cisco Systems COM 17275R102 499 7,875 SH   OTR   1,300 0 6,575
CitiGroup Inc COM 172967424 60 1,000 SH   SOLE   1,000 0 0
Coca Cola Co COM 191216100 393 6,630 SH   SOLE   2,300 0 4,330
Coca Cola Co COM 191216100 12 200 SH   OTR   0 0 200
Comcast Corp New Cl A COM 20030N101 75 1,500 SH   SOLE   0 0 1,500
Consolidated Edison Inc COM 209115104 37 430 SH   SOLE   430 0 0
Constellation Brands Inc Cl A COM 21036P108 43 170 SH   SOLE   0 0 170
Costco Wholesale COM 22160K105 21,448 37,781 SH   SOLE   27,575 0 10,206
Costco Wholesale COM 22160K105 1,834 3,231 SH   OTR   1,156 0 2,075
Crown Castle Intl Corp COM 22822V101 79 380 SH   OTR   0 0 380
DXC Technology Co COM 23355L106 2 51 SH   SOLE   0 0 51
Danaher Corp Del COM COM 235851102 20,044 60,923 SH   SOLE   41,383 0 19,540
Danaher Corp Del COM COM 235851102 2,581 7,845 SH   OTR   2,020 0 5,825
Deere & Co COM 244199105 22 63 SH   SOLE   63 0 0
Digital Rlty Tr Inc Com COM 253868103 18 100 SH   SOLE   0 0 100
Disney Walt Co Del COM 254687106 9,016 58,209 SH   SOLE   40,958 0 17,251
Disney Walt Co Del COM 254687106 1,138 7,347 SH   OTR   2,181 0 5,166
Dow Inc COM 260557103 806 14,212 SH   SOLE   13,729 0 483
Dow Inc COM 260557103 192 3,382 SH   OTR   1,066 0 2,316
East West Bancorp Inc Com COM 27579R104 17 213 SH   SOLE   213 0 0
Ecolab Inc Com COM 278865100 141 600 SH   SOLE   0 0 600
Edwards Lifesciences Inc. COM 28176E108 3,378 26,075 SH   SOLE   11,925 0 14,150
Electronic Arts Inc COM 285512109 14 106 SH   SOLE   106 0 0
Energy Transfer L P Com UT Ltd COM 29273V100 30 3,600 SH   OTR   3,600 0 0
Enterprise Prods Prtn LP COM 293792107 22 1,000 SH   SOLE   1,000 0 0
Enterprise Prods Prtn LP COM 293792107 3 125 SH   OTR   0 0 125
Etsy Inc Com COM 29786A106 77 350 SH   SOLE   350 0 0
Exact Sciences Corp. COM 30063P105 90 1,160 SH   SOLE   200 0 960
Exxon Mobil Corp COM 30231G102 131 2,149 SH   SOLE   799 0 1,350
Exxon Mobil Corp COM 30231G102 153 2,495 SH   OTR   1,134 0 1,361
Facebook Inc Cl A COM 30303M102 34 100 SH   SOLE   100 0 0
Fiserv Inc Com COM 337738108 10,924 105,247 SH   SOLE   73,537 0 31,710
Fiserv Inc Com COM 337738108 1,204 11,600 SH   OTR   3,650 0 7,950
Franco Nevada Corp COM 351858105 41 300 SH   SOLE   0 0 300
Garrett Motion Inc COM 366505105 0 40 SH   SOLE   0 0 40
General Elec Co COM 369604103 230 2,437 SH   SOLE   1,762 0 675
General Elec Co COM 369604103 90 949 SH   OTR   0 0 949
Gilead Sciences Inc. COM 375558103 981 13,505 SH   SOLE   8,325 0 5,180
Gilead Sciences Inc. COM 375558103 123 1,700 SH   OTR   0 0 1,700
Goldman Sachs Group COM 38141G104 77 200 SH   SOLE   200 0 0
Halliburton Co COM 406216101 34 1,505 SH   SOLE   1,505 0 0
Hewlett Packard Enterp Com COM 42824C109 9 600 SH   SOLE   0 0 600
Hexcel Corp COM 428291108 3,197 61,720 SH   SOLE   30,005 0 31,715
Hexcel Corp COM 428291108 228 4,400 SH   OTR   1,250 0 3,150
Home Depot Inc COM 437076102 15,834 38,154 SH   SOLE   27,094 0 11,060
Home Depot Inc COM 437076102 2,075 5,000 SH   OTR   1,325 0 3,675
Hon Hai Precision Inds ORD COM Y36861105 4 1,000 SH   OTR   0 0 1,000
Honeywell Intl Inc COM 438516106 144 690 SH   SOLE   290 0 400
Honeywell Intl Inc COM 438516106 25 120 SH   OTR   0 0 120
Humana Inc. Com COM 444859102 5,903 12,725 SH   SOLE   7,850 0 4,875
Humana Inc. Com COM 444859102 1,283 2,765 SH   OTR   650 0 2,115
IHS Markit LTD COM G47567105 133 1,000 SH   SOLE   0 0 1,000
IQVIA Holdings Inc COM 46266C105 17,856 63,286 SH   SOLE   43,718 0 19,568
IQVIA Holdings Inc COM 46266C105 1,890 6,700 SH   OTR   350 0 6,350
Int'l Bus Mach COM 459200101 120 900 SH   OTR   0 0 900
Intel Corp COM 458140100 441 8,555 SH   SOLE   400 0 8,155
Intel Corp COM 458140100 21 400 SH   OTR   0 0 400
Intercontinental Exchange Grou COM 45866F104 14,669 107,256 SH   SOLE   76,821 0 30,435
Intercontinental Exchange Grou COM 45866F104 2,012 14,710 SH   OTR   3,750 0 10,960
International Paper Co COM 460146103 48 1,020 SH   OTR   0 0 1,020
Intuitive Surgical Inc Com New COM 46120E602 263 732 SH   SOLE   0 0 732
JPMorgan Chase & Co COM 46625H100 1,601 10,112 SH   SOLE   8,362 0 1,750
JPMorgan Chase & Co COM 46625H100 388 2,450 SH   OTR   0 0 2,450
Jazz Pharmaceuticals PLC COM G50871105 2 13 SH   OTR   0 0 13
Johnson & Johnson COM 478160104 12,587 73,576 SH   SOLE   53,038 0 20,538
Johnson & Johnson COM 478160104 1,310 7,657 SH   OTR   2,407 0 5,250
Kimberly Clark Corp COM 494368103 84 590 SH   OTR   0 0 590
Kontoor Brands Inc COM 50050N103 13 245 SH   SOLE   245 0 0
Kraft Heinz Co Comm COM 500754106 70 1,950 SH   SOLE   250 0 1,700
Kraft Heinz Co Comm COM 500754106 31 850 SH   OTR   0 0 850
Kyndryl Hldgs Inc COM 50155Q100 3 180 SH   OTR   0 0 180
Lowes Cos Inc Com COM 548661107 126 488 SH   SOLE   0 0 488
Marsh & McLennan Cos Inc. COM 571748102 156 900 SH   SOLE   0 0 900
Mastercard Inc Cl A COM 57636Q104 36 100 SH   SOLE   100 0 0
McDonalds Corp COM 580135101 483 1,800 SH   SOLE   1,800 0 0
McDonalds Corp COM 580135101 114 425 SH   OTR   0 0 425
Merck & Co Inc COM 58933Y105 7,734 100,918 SH   SOLE   75,698 0 25,220
Merck & Co Inc COM 58933Y105 209 2,725 SH   OTR   300 0 2,425
Microsoft Corp COM 594918104 2,313 6,877 SH   SOLE   3,126 0 3,751
Microsoft Corp COM 594918104 751 2,233 SH   OTR   0 0 2,233
Nestle SA Spons ADR (For Reg) COM 641069406 8,405 60,095 SH   SOLE   54,854 0 5,241
Nestle SA Spons ADR (For Reg) COM 641069406 1,119 7,998 SH   OTR   2,525 0 5,473
NextEra Energy Inc COM 65339F101 261 2,800 SH   SOLE   0 0 2,800
NextEra Energy Inc COM 65339F101 24 260 SH   OTR   0 0 260
Nike, Inc. Cl B COM 654106103 21 125 SH   OTR   0 0 125
Norfolk Southern Corp COM 655844108 238 800 SH   SOLE   0 0 800
OneOK Inc COM 682680103 226 3,843 SH   OTR   3,843 0 0
Oracle Systems Corp COM 68389X105 52 600 SH   SOLE   0 0 600
Organon & Co COM 68622V106 276 9,060 SH   SOLE   6,571 0 2,489
Organon & Co COM 68622V106 14 462 SH   OTR   30 0 432
Palo Alto Networks Inc. Com COM 697435105 61 110 SH   SOLE   110 0 0
Panasonic Corp ADR (new) COM 69832A205 5 465 SH   SOLE   465 0 0
PayPal Holdings Inc. COM 70450Y103 15,667 83,080 SH   SOLE   59,002 0 24,078
PayPal Holdings Inc. COM 70450Y103 1,872 9,925 SH   OTR   3,400 0 6,525
Pepsico Inc COM 713448108 11,375 65,481 SH   SOLE   47,090 0 18,391
Pepsico Inc COM 713448108 1,232 7,090 SH   OTR   1,265 0 5,825
Pfizer Inc COM 717081103 361 6,118 SH   SOLE   4,328 0 1,790
Pfizer Inc COM 717081103 941 15,930 SH   OTR   1,500 0 14,430
Pinterest Inc Cl A COM 72352L106 55 1,520 SH   SOLE   1,450 0 70
Pioneer Nat Res Co COM 723787107 18 100 SH   OTR   0 0 100
Procter & Gamble Co. COM 742718109 2,441 14,922 SH   SOLE   6,774 0 8,148
Procter & Gamble Co. COM 742718109 2,084 12,738 SH   OTR   400 0 12,338
Public Svc Enterprise COM 744573106 63 944 SH   SOLE   944 0 0
Pulte Group Inc. Com COM 745867101 29 500 SH   SOLE   500 0 0
Qualtrics Intl'l Cl A COM 747601201 106 3,000 SH   SOLE   2,900 0 100
ReInsurance Group Amer COM 759351604 7,993 72,998 SH   SOLE   48,858 0 24,140
ReInsurance Group Amer COM 759351604 1,172 10,700 SH   OTR   2,700 0 8,000
Regeneron Pharmaceutical Com COM 75886F107 243 385 SH   SOLE   0 0 385
Resideo Technologies Inc COM 76118Y104 2 66 SH   SOLE   0 0 66
Rio Tinto PLC Sponsored ADR COM 767204100 7 100 SH   SOLE   0 0 100
Rivian Automotive Cl A COM 76954A103 10 100 SH   SOLE   0 0 100
Roper Technologies Inc COM 776696106 15,515 31,543 SH   SOLE   22,480 0 9,063
Roper Technologies Inc COM 776696106 1,758 3,575 SH   OTR   1,050 0 2,525
Ross Stores Inc. COM 778296103 629 5,500 SH   SOLE   5,500 0 0
Royal Dutch Shell PLC Spons AD COM 780259206 1,116 25,724 SH   SOLE   25,724 0 0
Salesforce.com Inc COM 79466L302 2,804 11,035 SH   SOLE   4,380 0 6,655
Salesforce.com Inc COM 79466L302 534 2,100 SH   OTR   0 0 2,100
Sanofi - ADR COM 80105N105 4 75 SH   SOLE   75 0 0
Sanofi - ADR COM 80105N105 15 300 SH   OTR   0 0 300
Schlumberger Ltd COM 806857108 138 4,592 SH   SOLE   2,075 0 2,517
Sibanye-Stillwater LTD Spons A COM 82575P107 57 4,547 SH   SOLE   0 0 4,547
Starbucks Corp COM 855244109 47 400 SH   SOLE   400 0 0
State Street Corp COM 857477103 116 1,250 SH   SOLE   0 0 1,250
State Street Corp COM 857477103 42 450 SH   OTR   0 0 450
Sylvamo Corp COM 871332102 3 92 SH   OTR   0 0 92
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 8,332 19,071 SH   SOLE   11,967 0 7,104
Teledyne Technologies COM 879360105 1,076 2,462 SH   OTR   1,090 0 1,372
Tesla Inc Com COM 88160R101 159 150 SH   SOLE   0 0 150
Tredegar Corp. COM 894650100 17 1,455 SH   SOLE   1,455 0 0
Twitter Inc Com COM 90184L102 22 500 SH   SOLE   500 0 0
Union Pac Corp COM 907818108 31 124 SH   SOLE   124 0 0
United Parcel Service Cl B COM 911312106 35 165 SH   OTR   0 0 165
Unity Software Inc. COM 91332U101 64 450 SH   SOLE   450 0 0
Universal Display Corp Com COM 91347P105 83 500 SH   SOLE   0 0 500
Unum Group COM 91529Y106 643 26,175 SH   SOLE   13,600 0 12,575
Unum Group COM 91529Y106 263 10,700 SH   OTR   1,600 0 9,100
V F Corp COM 918204108 123 1,675 SH   SOLE   1,675 0 0
Veolia Environment Sponsored A COM 92334N103 13,688 373,107 SH   SOLE   262,012 0 111,095
Veolia Environment Sponsored A COM 92334N103 1,796 48,950 SH   OTR   11,100 0 37,850
Verisign Inc. Com. COM 92343E102 1,513 5,962 SH   SOLE   5,962 0 0
Verizon Communications COM 92343V104 863 16,607 SH   SOLE   16,289 0 318
Verizon Communications COM 92343V104 178 3,428 SH   OTR   1,100 0 2,328
Vertex Pharmaceuticals Com COM 92532F100 204 928 SH   SOLE   637 0 291
Vertex Pharmaceuticals Com COM 92532F100 264 1,200 SH   OTR   0 0 1,200
Viatris Inc COM 92556V106 11 801 SH   SOLE   579 0 222
Viatris Inc COM 92556V106 25 1,876 SH   OTR   186 0 1,690
Visa Inc Cl A COM 92826C839 13,726 63,337 SH   SOLE   41,698 0 21,639
Visa Inc Cl A COM 92826C839 1,986 9,166 SH   OTR   2,420 0 6,746
WalMart Inc COM 931142103 107 740 SH   OTR   0 0 740
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 8 220 SH   SOLE   220 0 0
Woodward Inc COM 980745103 2,664 24,340 SH   SOLE   7,555 0 16,785
Woodward Inc COM 980745103 558 5,100 SH   OTR   3,000 0 2,100
Wynn Resorts LTD COM 983134107 26 300 SH   SOLE   300 0 0
Zoetis Inc Cl A COM 98978V103 11 47 SH   SOLE   47 0 0
Zoetis Inc Cl A COM 98978V103 251 1,028 SH   OTR   0 0 1,028
Zoom Video Comm. Cl A COM 98980L101 69 375 SH   OTR   0 0 375
ClearBridge Large Cap Growth F EQ FDS 52469H826 253 3,895 SH   SOLE   0 0 3,895
Clearbridge Energy MLP Opportu EQ FDS 18469P100 9 414 SH   OTR   414 0 0
DFA Inv Group US Large Cap Co EQ FDS 25434D823 150 4,430 SH   OTR   4,430 0 0
Edgewood Growth Fund - Inst EQ FDS 0075W0759 163 2,688 SH   OTR   2,688 0 0
Harding Loevner Instl Emerg Mk EQ FDS 412295701 105 4,270 SH   OTR   0 0 4,270
JPMorgan Emerging Markets Equi EQ FDS 4812A0631 93 2,435 SH   OTR   0 0 2,435
JPMorgan US Equity L EQ FDS 4812A1142 230 10,382 SH   OTR   0 0 10,382