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 153 6,600 SH   SOLE   6,600 0 0
AG Mortgage Inv Tr 8 Pfd Ser B PRD 001228303 125 5,400 SH   OTR   4,000 0 1,400
AG Mortgage Inv Tr 8.25 Pfd Se PRD 001228204 41 1,700 SH   SOLE   0 0 1,700
AG Mortgage Inv Tr 8.25 Pfd Se PRD 001228204 48 2,000 SH   OTR   0 0 2,000
AGNC Invt Corp 6.5 Pfd Ser E PRD 00123Q807 296 12,167 SH   SOLE   12,167 0 0
AT&T 5.00 Perp Pfd Ser A PRD 00206R508 138 6,000 SH   SOLE   6,000 0 0
Capital One Finl Corp DP Shs P PRD 14040H824 28 1,200 SH   OTR   0 0 1,200
Energy Transfer LP 7.625 Pfd U PRD 29273V506 62 2,500 SH   SOLE   0 0 2,500
Energy Transfer LP 7.625 Pfd U PRD 29273V506 63 2,550 SH   OTR   0 0 2,550
Ford Mtr 6.20 Pfd Due 06/01/20 PRD 345370845 156 6,000 SH   SOLE   6,000 0 0
Ford Mtr 6.20 Pfd Due 06/01/20 PRD 345370845 60 2,300 SH   OTR   0 0 2,300
New Residential Inv Cp 7.125 C PRD 64828T409 1,039 42,233 SH   SOLE   32,333 0 9,900
New Residential Inv Cp 7.125 C PRD 64828T409 263 10,700 SH   OTR   7,200 0 3,500
New Residential Invt 6.375 Pfd PRD 64828T508 26 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 1,047 804 SH   SOLE   534 0 270
Wells Fargo & Co New Perp Pfd PRD 949746804 430 330 SH   OTR   110 0 220
3M Co. COM 88579Y101 100 675 SH   SOLE   325 0 350
3M Co. COM 88579Y101 309 2,074 SH   OTR   324 0 1,750
AFLAC Inc. COM 001055102 4,075 63,281 SH   SOLE   54,537 0 8,744
AFLAC Inc. COM 001055102 167 2,600 SH   OTR   0 0 2,600
AT&T Inc COM 00206R102 452 19,142 SH   SOLE   7,661 0 11,481
AT&T Inc COM 00206R102 71 3,000 SH   OTR   2,000 0 1,000
AbbVie Inc. COM 00287Y109 1,344 8,293 SH   SOLE   6,133 0 2,160
AbbVie Inc. COM 00287Y109 839 5,175 SH   OTR   0 0 5,175
Abbott Labs COM 002824100 196 1,660 SH   SOLE   0 0 1,660
Abbott Labs COM 002824100 521 4,400 SH   OTR   0 0 4,400
Adobe Sys Inc Com COM 00724F101 56 124 SH   SOLE   124 0 0
Adobe Sys Inc Com COM 00724F101 114 250 SH   OTR   0 0 250
Advanced Micro Devices Com COM 007903107 19,439 177,785 SH   SOLE   131,080 0 46,705
Advanced Micro Devices Com COM 007903107 949 8,675 SH   OTR   275 0 8,400
Air Prod & Chemicals COM 009158106 25 100 SH   OTR   0 0 100
Albemarle Corp. COM 012653101 19,498 88,168 SH   SOLE   59,453 0 28,715
Albemarle Corp. COM 012653101 2,859 12,926 SH   OTR   6,226 0 6,700
Alphabet Inc Cap Stk Cl A COM 02079K305 24,957 8,973 SH   SOLE   6,494 0 2,479
Alphabet Inc Cap Stk Cl A COM 02079K305 2,320 834 SH   OTR   179 0 655
Alphabet Inc Cap Stk Cl C COM 02079K107 6,807 2,437 SH   SOLE   2,142 0 295
Alphabet Inc Cap Stk Cl C COM 02079K107 536 192 SH   OTR   114 0 78
Amazon Com Inc Com COM 023135106 287 88 SH   SOLE   8 0 80
Amer States Water Co COM 029899101 247 2,780 SH   OTR   0 0 2,780
American Tower Corp NE Com COM 03027X100 10,264 40,855 SH   SOLE   26,010 0 14,845
American Tower Corp NE Com COM 03027X100 1,576 6,275 SH   OTR   1,525 0 4,750
Amgen, Inc. Com COM 031162100 493 2,040 SH   SOLE   2,040 0 0
Amgen, Inc. Com COM 031162100 22 90 SH   OTR   0 0 90
Anheuser Busch Inbev S Sponsor COM 03524A108 90 1,500 SH   SOLE   200 0 1,300
Apache Corp COM 037411105 2 60 SH   SOLE   60 0 0
Apple, Inc. COM 037833100 35,271 201,999 SH   SOLE   148,517 0 53,482
Apple, Inc. COM 037833100 4,189 23,988 SH   OTR   5,212 0 18,776
Applied Materials Inc. COM 038222105 4,460 33,842 SH   SOLE   25,342 0 8,500
Applied Materials Inc. COM 038222105 556 4,220 SH   OTR   0 0 4,220
Avery Dennison Corp. COM 053611109 487 2,800 SH   SOLE   1,800 0 1,000
Avery Dennison Corp. COM 053611109 365 2,100 SH   OTR   0 0 2,100
BP PLC Spons ADR COM 055622104 101 3,432 SH   SOLE   3,432 0 0
BP PLC Spons ADR COM 055622104 36 1,214 SH   OTR   0 0 1,214
Bank of New York Mellon COM 064058100 20 400 SH   OTR   0 0 400
Baxter Intl Inc COM 071813109 57 735 SH   SOLE   735 0 0
Berkshire Hathaway Cl B COM 084670207 572 1,622 SH   SOLE   1,622 0 0
Boeing Co. COM 097023105 183 955 SH   SOLE   480 0 475
Broadridge Financial Solutions COM 11133T103 13,682 87,866 SH   SOLE   63,636 0 24,230
Broadridge Financial Solutions COM 11133T103 1,238 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 272 2,685 SH   OTR   0 0 2,685
California Wtr Svc Group COM 130788102 59 1,000 SH   SOLE   0 0 1,000
Capital One Finl Corp COM 14040H105 11,649 88,728 SH   SOLE   59,044 0 29,684
Capital One Finl Corp COM 14040H105 1,031 7,852 SH   OTR   2,550 0 5,302
Caterpillar Inc COM 149123101 18 79 SH   SOLE   0 0 79
Cemex SAB De CV Spons ADR COM 151290889 6 1,050 SH   OTR   0 0 1,050
Charles Schwab Corp (New) COM 808513105 1,288 15,282 SH   SOLE   13,757 0 1,525
Charles Schwab Corp (New) COM 808513105 170 2,011 SH   OTR   2,011 0 0
Check Point Software COM M22465104 12,875 93,125 SH   SOLE   60,795 0 32,330
Check Point Software COM M22465104 1,846 13,350 SH   OTR   3,300 0 10,050
Chevron Corp COM 166764100 828 5,087 SH   SOLE   3,361 0 1,726
Chevron Corp COM 166764100 3,113 19,119 SH   OTR   3,077 0 16,042
Cisco Systems COM 17275R102 4,744 85,080 SH   SOLE   64,326 0 20,754
Cisco Systems COM 17275R102 439 7,875 SH   OTR   1,300 0 6,575
CitiGroup Inc COM 172967424 53 1,000 SH   SOLE   1,000 0 0
Coca Cola Co COM 191216100 411 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 70 1,500 SH   SOLE   0 0 1,500
Constellation Brands Inc Cl A COM 21036P108 39 170 SH   SOLE   0 0 170
Costco Wholesale COM 22160K105 21,333 37,046 SH   SOLE   27,045 0 10,001
Costco Wholesale COM 22160K105 1,861 3,231 SH   OTR   1,156 0 2,075
Crown Castle Intl Corp COM 22822V101 70 380 SH   OTR   0 0 380
DXC Technology Co COM 23355L106 2 51 SH   SOLE   0 0 51
Danaher Corp Del COM COM 235851102 16,106 54,908 SH   SOLE   35,873 0 19,035
Danaher Corp Del COM COM 235851102 2,301 7,845 SH   OTR   2,020 0 5,825
Digital Rlty Tr Inc Com COM 253868103 14 100 SH   SOLE   0 0 100
Disney Walt Co Del COM 254687106 8,195 59,750 SH   SOLE   41,614 0 18,136
Disney Walt Co Del COM 254687106 1,008 7,347 SH   OTR   2,181 0 5,166
Dow Inc COM 260557103 743 11,665 SH   SOLE   11,182 0 483
Dow Inc COM 260557103 216 3,382 SH   OTR   1,066 0 2,316
East West Bancorp Inc Com COM 27579R104 17 213 SH   SOLE   213 0 0
Edwards Lifesciences Inc. COM 28176E108 2,716 23,075 SH   SOLE   10,625 0 12,450
Electronic Arts Inc COM 285512109 13 106 SH   SOLE   106 0 0
Energy Transfer L P Com UT Ltd COM 29273V100 40 3,600 SH   OTR   3,600 0 0
Enterprise Prods Prtn LP COM 293792107 26 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 43 350 SH   SOLE   350 0 0
Exact Sciences Corp. COM 30063P105 81 1,160 SH   SOLE   200 0 960
Exxon Mobil Corp COM 30231G102 177 2,149 SH   SOLE   799 0 1,350
Exxon Mobil Corp COM 30231G102 206 2,495 SH   OTR   1,134 0 1,361
Facebook Inc Cl A COM 30303M102 22 100 SH   SOLE   100 0 0
Fiserv Inc Com COM 337738108 11,048 108,957 SH   SOLE   75,087 0 33,870
Fiserv Inc Com COM 337738108 1,227 12,100 SH   OTR   3,650 0 8,450
Fiverr Intl LTD COM M4R82T106 1,142 15,015 SH   SOLE   2,345 0 12,670
Fiverr Intl LTD COM M4R82T106 167 2,200 SH   OTR   0 0 2,200
Franco Nevada Corp COM 351858105 48 300 SH   SOLE   0 0 300
Garrett Motion Inc COM 366505105 0 40 SH   SOLE   0 0 40
General Elec Co COM 369604103 156 1,700 SH   SOLE   1,025 0 675
General Elec Co COM 369604103 87 949 SH   OTR   0 0 949
Gilead Sciences Inc. COM 375558103 668 11,230 SH   SOLE   6,850 0 4,380
Gilead Sciences Inc. COM 375558103 101 1,700 SH   OTR   0 0 1,700
Goldman Sachs Group COM 38141G104 66 200 SH   SOLE   200 0 0
Halliburton Co COM 406216101 57 1,505 SH   SOLE   1,505 0 0
Hewlett Packard Enterp Com COM 42824C109 10 600 SH   SOLE   0 0 600
Hexcel Corp COM 428291108 3,373 56,710 SH   SOLE   26,070 0 30,640
Hexcel Corp COM 428291108 95 1,600 SH   OTR   1,250 0 350
Home Depot Inc COM 437076102 10,945 36,564 SH   SOLE   24,954 0 11,610
Home Depot Inc COM 437076102 1,437 4,800 SH   OTR   1,325 0 3,475
Honeywell Intl Inc COM 438516106 134 690 SH   SOLE   290 0 400
Honeywell Intl Inc COM 438516106 23 120 SH   OTR   0 0 120
Humana Inc. Com COM 444859102 653 1,500 SH   SOLE   1,500 0 0
IQVIA Holdings Inc COM 46266C105 13,514 58,451 SH   SOLE   39,628 0 18,823
IQVIA Holdings Inc COM 46266C105 1,480 6,400 SH   OTR   350 0 6,050
Int'l Bus Mach COM 459200101 117 900 SH   OTR   0 0 900
Intel Corp COM 458140100 307 6,185 SH   SOLE   400 0 5,785
Intel Corp COM 458140100 20 400 SH   OTR   0 0 400
Intercontinental Exchange Grou COM 45866F104 13,676 103,511 SH   SOLE   72,901 0 30,610
Intercontinental Exchange Grou COM 45866F104 1,877 14,210 SH   OTR   3,250 0 10,960
International Paper Co COM 460146103 47 1,020 SH   OTR   0 0 1,020
Intuitive Surgical Inc Com New COM 46120E602 221 732 SH   SOLE   0 0 732
JPMorgan Chase & Co COM 46625H100 1,351 9,912 SH   SOLE   8,162 0 1,750
JPMorgan Chase & Co COM 46625H100 334 2,450 SH   OTR   0 0 2,450
Jazz Pharmaceuticals PLC COM G50871105 2 13 SH   OTR   0 0 13
Johnson & Johnson COM 478160104 13,052 73,646 SH   SOLE   53,038 0 20,608
Johnson & Johnson COM 478160104 1,357 7,657 SH   OTR   2,407 0 5,250
Kimberly Clark Corp COM 494368103 73 590 SH   OTR   0 0 590
Kontoor Brands Inc COM 50050N103 10 245 SH   SOLE   245 0 0
Kraft Heinz Co Comm COM 500754106 67 1,700 SH   SOLE   0 0 1,700
Kraft Heinz Co Comm COM 500754106 33 850 SH   OTR   0 0 850
Kyndryl Hldgs Inc COM 50155Q100 2 180 SH   OTR   0 0 180
Lowes Cos Inc Com COM 548661107 99 488 SH   SOLE   0 0 488
Marsh & McLennan Cos Inc. COM 571748102 153 900 SH   SOLE   0 0 900
Mastercard Inc Cl A COM 57636Q104 36 100 SH   SOLE   100 0 0
McDonalds Corp COM 580135101 445 1,800 SH   SOLE   1,800 0 0
McDonalds Corp COM 580135101 105 425 SH   OTR   0 0 425
Merck & Co Inc COM 58933Y105 8,455 103,048 SH   SOLE   75,298 0 27,750
Merck & Co Inc COM 58933Y105 224 2,725 SH   OTR   300 0 2,425
Microsoft Corp COM 594918104 2,134 6,922 SH   SOLE   3,126 0 3,796
Microsoft Corp COM 594918104 688 2,233 SH   OTR   0 0 2,233
Nestle SA Spons ADR (For Reg) COM 641069406 7,693 58,895 SH   SOLE   53,154 0 5,741
Nestle SA Spons ADR (For Reg) COM 641069406 1,045 7,998 SH   OTR   2,525 0 5,473
NextEra Energy Inc COM 65339F101 237 2,800 SH   SOLE   0 0 2,800
NextEra Energy Inc COM 65339F101 22 260 SH   OTR   0 0 260
Nike, Inc. Cl B COM 654106103 17 125 SH   OTR   0 0 125
Norfolk Southern Corp COM 655844108 228 800 SH   SOLE   0 0 800
OneOK Inc COM 682680103 271 3,843 SH   OTR   3,843 0 0
Oracle Systems Corp COM 68389X105 50 600 SH   SOLE   0 0 600
Organon & Co COM 68622V106 313 8,948 SH   SOLE   6,416 0 2,532
Organon & Co COM 68622V106 16 462 SH   OTR   30 0 432
Palo Alto Networks Inc. Com COM 697435105 68 110 SH   SOLE   110 0 0
Panasonic Corp ADR (new) COM 69832A205 5 465 SH   SOLE   465 0 0
PayPal Holdings Inc. COM 70450Y103 9,769 84,470 SH   SOLE   59,652 0 24,818
PayPal Holdings Inc. COM 70450Y103 1,263 10,925 SH   OTR   3,400 0 7,525
Pepsico Inc COM 713448108 10,997 65,701 SH   SOLE   46,365 0 19,336
Pepsico Inc COM 713448108 1,187 7,090 SH   OTR   1,265 0 5,825
Pfizer Inc COM 717081103 317 6,118 SH   SOLE   4,328 0 1,790
Pfizer Inc COM 717081103 711 13,730 SH   OTR   1,500 0 12,230
Pinterest Inc Cl A COM 72352L106 8,347 339,175 SH   SOLE   216,800 0 122,375
Pinterest Inc Cl A COM 72352L106 613 24,900 SH   OTR   2,300 0 22,600
Pioneer Nat Res Co COM 723787107 25 100 SH   OTR   0 0 100
Procter & Gamble Co. COM 742718109 2,280 14,922 SH   SOLE   6,774 0 8,148
Procter & Gamble Co. COM 742718109 1,946 12,738 SH   OTR   400 0 12,338
Public Svc Enterprise COM 744573106 66 944 SH   SOLE   944 0 0
Pulte Group Inc. Com COM 745867101 21 500 SH   SOLE   500 0 0
Qualtrics Intl'l Cl A COM 747601201 86 3,000 SH   SOLE   2,900 0 100
ReInsurance Group Amer COM 759351604 739 6,750 SH   SOLE   6,500 0 250
ReInsurance Group Amer COM 759351604 16 150 SH   OTR   0 0 150
Regeneron Pharmaceutical Com COM 75886F107 269 385 SH   SOLE   0 0 385
Resideo Technologies Inc COM 76118Y104 2 66 SH   SOLE   0 0 66
Rio Tinto PLC Sponsored ADR COM 767204100 8 100 SH   SOLE   0 0 100
Rivian Automotive Cl A COM 76954A103 10 200 SH   SOLE   0 0 200
Roper Technologies Inc COM 776696106 14,998 31,760 SH   SOLE   22,390 0 9,370
Roper Technologies Inc COM 776696106 1,688 3,575 SH   OTR   1,050 0 2,525
Ross Stores Inc. COM 778296103 498 5,500 SH   SOLE   5,500 0 0
S&P Global Inc. COM 78409V104 116 283 SH   SOLE   0 0 283
Salesforce.com Inc COM 79466L302 2,577 12,135 SH   SOLE   4,730 0 7,405
Salesforce.com Inc COM 79466L302 478 2,250 SH   OTR   150 0 2,100
Sanofi - ADR COM 80105N105 15 300 SH   OTR   0 0 300
Schlumberger Ltd COM 806857108 177 4,292 SH   SOLE   1,775 0 2,517
Shell PLC Spons ADS COM 780259305 1,413 25,724 SH   SOLE   25,724 0 0
Sibanye-Stillwater LTD Spons A COM 82575P107 74 4,547 SH   SOLE   0 0 4,547
Starbucks Corp COM 855244109 36 400 SH   SOLE   400 0 0
State Street Corp COM 857477103 91 1,050 SH   SOLE   0 0 1,050
State Street Corp COM 857477103 39 450 SH   OTR   0 0 450
Sylvamo Corp COM 871332102 3 92 SH   OTR   0 0 92
TC Energy Corp. Com COM 87807B107 6 100 SH   SOLE   0 0 100
Take-Two Interactive S Com COM 874054109 46 300 SH   SOLE   300 0 0
Teledyne Technologies COM 879360105 9,300 19,678 SH   SOLE   12,042 0 7,636
Teledyne Technologies COM 879360105 1,164 2,462 SH   OTR   1,090 0 1,372
Tesla Inc Com COM 88160R101 162 150 SH   SOLE   0 0 150
Tredegar Corp. COM 894650100 17 1,455 SH   SOLE   1,455 0 0
Twitter Inc Com COM 90184L102 19 500 SH   SOLE   500 0 0
Union Pac Corp COM 907818108 34 124 SH   SOLE   124 0 0
United Parcel Service Cl B COM 911312106 35 165 SH   OTR   0 0 165
Unity Software Inc. COM 91332U101 45 450 SH   SOLE   450 0 0
V F Corp COM 918204108 95 1,675 SH   SOLE   1,675 0 0
Veolia Environment Sponsored A COM 92334N103 12,137 374,982 SH   SOLE   260,812 0 114,170
Veolia Environment Sponsored A COM 92334N103 1,584 48,950 SH   OTR   11,100 0 37,850
Verisign Inc. Com. COM 92343E102 1,326 5,962 SH   SOLE   5,962 0 0
Verizon Communications COM 92343V104 846 16,607 SH   SOLE   16,289 0 318
Verizon Communications COM 92343V104 175 3,428 SH   OTR   1,100 0 2,328
Vertex Pharmaceuticals Com COM 92532F100 237 908 SH   SOLE   637 0 271
Vertex Pharmaceuticals Com COM 92532F100 313 1,200 SH   OTR   0 0 1,200
Viatris Inc COM 92556V106 9 801 SH   SOLE   579 0 222
Viatris Inc COM 92556V106 20 1,876 SH   OTR   186 0 1,690
Visa Inc Cl A COM 92826C839 14,033 63,277 SH   SOLE   41,038 0 22,239
Visa Inc Cl A COM 92826C839 2,033 9,166 SH   OTR   2,420 0 6,746
WalMart Inc COM 931142103 110 740 SH   OTR   0 0 740
Walgreens Boots Alliance Inc COM 931427108 12 265 SH   SOLE   0 0 265
Walgreens Boots Alliance Inc COM 931427108 85 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 2,883 23,080 SH   SOLE   7,155 0 15,925
Woodward Inc COM 980745103 637 5,100 SH   OTR   3,000 0 2,100
Wynn Resorts LTD COM 983134107 24 300 SH   SOLE   300 0 0
Zoetis Inc Cl A COM 98978V103 9 47 SH   SOLE   47 0 0
Zoetis Inc Cl A COM 98978V103 194 1,028 SH   OTR   0 0 1,028
Zoom Video Comm. Cl A COM 98980L101 44 375 SH   OTR   0 0 375
ClearBridge Large Cap Growth F EQ FDS 52469H826 223 3,895 SH   SOLE   0 0 3,895
Clearbridge Energy MLP Opportu EQ FDS 18469P100 12 414 SH   OTR   414 0 0
DFA Inv Group US Large Cap Co EQ FDS 25434D823 143 4,430 SH   OTR   4,430 0 0
Edgewood Growth Fund - Inst EQ FDS 0075W0759 134 2,688 SH   OTR   2,688 0 0