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
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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
Dominion Res 6.125% 4/01/2016 CV PFD 25746U703 30 500 SH   SOLE   0 0 500
Dominion Res 6.125% 4/01/2016 CV PFD 25746U703 300 5,000 SH   OTR   0 0 5,000
Stanley Black & Decker Corp 6. CV PFD 854502804 82 700 SH   OTR   0 0 700
Annaly Cap Mgmt Inc PFD STK C PRD 035710706 50 2,000 SH   OTR   0 0 2,000
Wells Fargo & Co New Dep Shs S PRD 949746879 50 1,700 SH   OTR   0 0 1,700
3M Co. COM 88579Y101 136 830 SH   SOLE   355 0 475
3M Co. COM 88579Y101 546 3,324 SH   OTR   124 0 3,200
AFLAC Inc. COM 001055102 2,060 33,718 SH   SOLE   29,174 0 4,544
AFLAC Inc. COM 001055102 238 3,888 SH   OTR   138 0 3,750
AT&T Inc COM 00206R102 185 5,520 SH   OTR   81 0 5,439
AbbVie Inc. COM 00287Y109 141 2,160 SH   SOLE   0 0 2,160
AbbVie Inc. COM 00287Y109 507 7,750 SH   OTR   0 0 7,750
Abbott Labs COM 002824100 108 2,410 SH   SOLE   0 0 2,410
Abbott Labs COM 002824100 340 7,550 SH   OTR   0 0 7,550
Albemarle Corp. COM 012653101 700 11,640 SH   OTR   11,640 0 0
Allergan Inc. COM 018490102 1,780 8,375 SH   SOLE   6,950 0 1,425
Altria Group Inc COM 02209S103 215 4,364 SH   OTR   0 0 4,364
Amer States Water Co COM 029899101 191 5,080 SH   OTR   0 0 5,080
American Express Co COM 025816109 93 1,000 SH   SOLE   0 0 1,000
American Intl Group Com New COM 026874784 8,020 143,185 SH   SOLE   116,935 0 26,250
American Intl Group Com New COM 026874784 1,162 20,750 SH   OTR   250 0 20,500
Amgen, Inc. Com COM 031162100 26 162 SH   OTR   62 0 100
Annaly Capital Mgmt Inc. COM 035710409 135 12,500 SH   OTR   0 0 12,500
Anthem Inc COM 036752103 13,619 108,370 SH   SOLE   58,680 0 49,690
Anthem Inc COM 036752103 1,871 14,890 SH   OTR   2,090 0 12,800
Apple, Inc. COM 037833100 24,722 223,968 SH   SOLE   129,507 0 94,461
Apple, Inc. COM 037833100 3,882 35,165 SH   OTR   6,195 0 28,970
Applied Materials Inc. COM 038222105 3,367 135,100 SH   SOLE   117,300 0 17,800
Applied Materials Inc. COM 038222105 237 9,500 SH   OTR   9,500 0 0
Autoliv Inc Com COM 052800109 96 900 SH   OTR   900 0 0
Avery Dennison Corp. COM 053611109 293 5,650 SH   OTR   5,650 0 0
BP PLC Spons ADR COM 055622104 84 2,200 SH   SOLE   0 0 2,200
BP PLC Spons ADR COM 055622104 265 6,949 SH   OTR   1,500 0 5,449
Bank of America Corp COM 060505104 11,468 641,015 SH   SOLE   340,675 0 300,340
Bank of America Corp COM 060505104 1,519 84,890 SH   OTR   11,890 0 73,000
Bank of New York Mellon COM 064058100 37 900 SH   OTR   0 0 900
Baxter Intl Inc. COM 071813109 29 400 SH   SOLE   400 0 0
Bed Bath & Beyond, Inc. Com COM 075896100 13,366 175,470 SH   SOLE   86,670 0 88,800
Bed Bath & Beyond, Inc. Com COM 075896100 1,450 19,030 SH   OTR   2,940 0 16,090
Berkley W R Corp Com COM 084423102 9 180 SH   SOLE   180 0 0
Berkshire Hathaway Cl A COM 084670108 226 1 SH   OTR   0 0 1
Berkshire Hathaway Cl B COM 084670207 280 1,867 SH   SOLE   1,867 0 0
Berkshire Hathaway Cl B COM 084670207 30 200 SH   OTR   0 0 200
Biomed Realty Trust COM 09063H107 56 2,600 SH   OTR   0 0 2,600
Boeing Co. COM 097023105 38 290 SH   SOLE   290 0 0
Boeing Co. COM 097023105 108 830 SH   OTR   830 0 0
BorgWarner Inc COM 099724106 10,726 195,190 SH   SOLE   103,175 0 92,015
BorgWarner Inc COM 099724106 1,054 19,180 SH   OTR   3,280 0 15,900
Boston Properties Inc. COM 101121101 168 1,306 SH   OTR   0 0 1,306
Bristol Myers Squibb COM 110122108 114 1,930 SH   SOLE   1,430 0 500
Bristol Myers Squibb COM 110122108 301 5,100 SH   OTR   4,700 0 400
CVS Caremark Corp COM 126650100 33 345 SH   SOLE   345 0 0
CVS Caremark Corp COM 126650100 641 6,658 SH   OTR   0 0 6,658
Capital One Finl Corp COM 14040H105 10,625 128,715 SH   SOLE   54,940 0 73,775
Capital One Finl Corp COM 14040H105 297 3,600 SH   OTR   150 0 3,450
Cardinal Health Inc. COM 14149Y108 8 93 SH   SOLE   93 0 0
Carefusion Corp. COM 14170T101 3 46 SH   SOLE   46 0 0
Celgene Corp COM 151020104 15,253 136,358 SH   SOLE   69,973 0 66,385
Celgene Corp COM 151020104 1,208 10,800 SH   OTR   2,800 0 8,000
Cerner Corp COM 156782104 9,891 152,965 SH   SOLE   75,690 0 77,275
Cerner Corp COM 156782104 664 10,270 SH   OTR   0 0 10,270
Charles Schwab Corp (New) COM 808513105 452 14,957 SH   SOLE   14,282 0 675
Charles Schwab Corp (New) COM 808513105 91 3,000 SH   OTR   3,000 0 0
Chevron Corp COM 166764100 6,925 61,733 SH   SOLE   24,445 0 37,288
Chevron Corp COM 166764100 3,834 34,177 SH   OTR   6,276 0 27,901
Cisco Systems COM 17275R102 4,227 151,971 SH   SOLE   126,671 0 25,300
Cisco Systems COM 17275R102 1,168 41,975 SH   OTR   5,400 0 36,575
Coca Cola Co COM 191216100 578 13,692 SH   SOLE   5,400 0 8,292
Coca Cola Co COM 191216100 387 9,172 SH   OTR   2,800 0 6,372
Comcast Corp New Cl. A COM 20030N101 15 250 SH   SOLE   250 0 0
ConocoPhillips COM 20825C104 276 4,000 SH   OTR   0 0 4,000
Costco Wholesale COM 22160K105 11,917 84,074 SH   SOLE   43,778 0 40,296
Costco Wholesale COM 22160K105 1,781 12,566 SH   OTR   1,356 0 11,210
Crimson Wine Group Ltd COM 22662X100 0 2 SH   OTR   0 0 2
DR Horton Inc COM 23331A109 12,682 501,445 SH   SOLE   246,325 0 255,120
DR Horton Inc COM 23331A109 1,182 46,750 SH   OTR   9,000 0 37,750
Disney Walt Co Del COM 254687106 14,174 150,488 SH   SOLE   80,876 0 69,612
Disney Walt Co Del COM 254687106 1,027 10,906 SH   OTR   2,356 0 8,550
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
EMC Corp Mass COM 268648102 25 845 SH   SOLE   700 0 145
Edwards Lifesciences Inc. COM 28176E108 13 100 SH   SOLE   100 0 0
Edwards Lifesciences Inc. COM 28176E108 573 4,500 SH   OTR   0 0 4,500
Embraer SA Spons ADR COM 29082A107 11,473 311,250 SH   SOLE   156,000 0 155,250
Embraer SA Spons ADR COM 29082A107 579 15,700 SH   OTR   5,500 0 10,200
Energy Transfer Partners COM 29273R109 526 8,100 SH   SOLE   4,500 0 3,600
Energy Transfer Partners COM 29273R109 486 7,475 SH   OTR   1,700 0 5,775
Entergy Corp. COM 29364G103 14 163 SH   SOLE   163 0 0
Equity Lifestyle Pptys COM 29472R108 75 1,454 SH   OTR   0 0 1,454
Equity Residential Sh Ben Int COM 29476L107 281 3,911 SH   OTR   0 0 3,911
Express Scripts Holding Co (ne COM 30219G108 11,893 140,461 SH   SOLE   69,826 0 70,635
Express Scripts Holding Co (ne COM 30219G108 1,292 15,259 SH   OTR   2,575 0 12,684
Exxon Mobil Corp COM 30231G102 416 4,504 SH   SOLE   1,400 0 3,104
Exxon Mobil Corp COM 30231G102 585 6,330 SH   OTR   0 0 6,330
Fairpoint Communication (new) COM 305560104 0 75 SH   OTR   28 0 47
Gallagher Arthur J & Co COM 363576109 10,428 221,495 SH   SOLE   102,510 0 118,985
Gallagher Arthur J & Co COM 363576109 1,781 37,825 SH   OTR   7,000 0 30,825
General Elec Co COM 369604103 7,898 312,549 SH   SOLE   239,039 0 73,510
General Elec Co COM 369604103 1,911 75,624 SH   OTR   14,576 0 61,048
General Mills Inc COM 370334104 228 4,275 SH   OTR   300 0 3,975
Gilead Sciences Inc. COM 375558103 3,676 39,000 SH   SOLE   0 0 39,000
Google Inc Cl A COM 38259P508 7,940 14,963 SH   SOLE   8,097 0 6,866
Google Inc Cl A COM 38259P508 559 1,053 SH   OTR   218 0 835
Google Inc Cl C COM 38259P706 7,594 14,426 SH   SOLE   7,697 0 6,729
Google Inc Cl C COM 38259P706 500 949 SH   OTR   214 0 735
Halyard Health Inc. COM 40650V100 6 137 SH   SOLE   0 0 137
Halyard Health Inc. COM 40650V100 4 87 SH   OTR   87 0 0
Hershey Co COM 427866108 11 109 SH   SOLE   109 0 0
Hexcel Corp COM 428291108 12,969 312,590 SH   SOLE   154,735 0 157,855
Hexcel Corp COM 428291108 1,259 30,335 SH   OTR   950 0 29,385
Hospira Inc COM 441060100 24 400 SH   OTR   0 0 400
Int'l Bus Mach COM 459200101 156 975 SH   SOLE   475 0 500
Int'l Bus Mach COM 459200101 804 5,010 SH   OTR   0 0 5,010
Intel Corp COM 458140100 12,892 355,250 SH   SOLE   196,575 0 158,675
Intel Corp COM 458140100 2,218 61,106 SH   OTR   12,406 0 48,700
IntercontinentalExchange Group COM 45866F104 4 17 SH   SOLE   17 0 0
IntercontinentalExchange Group COM 45866F104 223 1,018 SH   OTR   111 0 907
JPMorgan Chase & Co COM 46625H100 113 1,800 SH   OTR   1,800 0 0
Johnson & Johnson COM 478160104 12,122 115,921 SH   SOLE   63,591 0 52,330
Johnson & Johnson COM 478160104 2,066 19,753 SH   OTR   4,027 0 15,726
KB Home COM 48666K109 9,808 592,630 SH   SOLE   259,450 0 333,180
KB Home COM 48666K109 811 49,000 SH   OTR   1,600 0 47,400
Kimberly Clark Corp COM 494368103 127 1,100 SH   SOLE   0 0 1,100
Kimberly Clark Corp COM 494368103 349 3,022 SH   OTR   700 0 2,322
Leucadia Natl Corp COM 527288104 1 26 SH   OTR   0 0 26
Lions Gate Entmnt Corp Com New COM 535919203 4,323 135,000 SH   SOLE   0 0 135,000
Marathon Oil Corp COM 565849106 7,244 256,060 SH   SOLE   160,910 0 95,150
Marathon Oil Corp COM 565849106 497 17,570 SH   OTR   520 0 17,050
McDonalds Corp COM 580135101 349 3,725 SH   SOLE   1,800 0 1,925
McDonalds Corp COM 580135101 522 5,575 SH   OTR   2,700 0 2,875
Merck & Co Inc COM 58933Y105 28 500 SH   SOLE   0 0 500
Merck & Co Inc COM 58933Y105 188 3,310 SH   OTR   310 0 3,000
Metlife Inc. COM 59156R108 87 1,603 SH   SOLE   0 0 1,603
Metlife Inc. COM 59156R108 284 5,248 SH   OTR   200 0 5,048
Microsoft Corp COM 594918104 121 2,613 SH   SOLE   1,513 0 1,100
Microsoft Corp COM 594918104 583 12,550 SH   OTR   3,250 0 9,300
Mondelez Intl Inc Cl A COM 609207105 6,077 167,285 SH   SOLE   58,950 0 108,335
Mondelez Intl Inc Cl A COM 609207105 463 12,750 SH   OTR   0 0 12,750
Mylan COM 628530107 14,832 263,110 SH   SOLE   131,780 0 131,330
Mylan COM 628530107 1,147 20,350 SH   OTR   300 0 20,050
Nestle SA Spons ADR (For Reg) COM 641069406 4,494 61,606 SH   SOLE   58,256 0 3,350
Nestle SA Spons ADR (For Reg) COM 641069406 1,309 17,946 SH   OTR   5,290 0 12,656
New Senior Investment Group COM 648691103 150 9,099 SH   SOLE   8,499 0 600
New Senior Investment Group COM 648691103 197 11,981 SH   OTR   0 0 11,981
Nokia Corp Sponsored ADR COM 654902204 1 150 SH   OTR   0 0 150
OGE Energy Corp. COM 670837103 17 480 SH   SOLE   480 0 0
Oracle Systems Corp COM 68389X105 36 800 SH   SOLE   0 0 800
Oracle Systems Corp COM 68389X105 360 8,000 SH   OTR   0 0 8,000
Paccar Inc COM 693718108 173 2,550 SH   SOLE   0 0 2,550
Paccar Inc COM 693718108 243 3,575 SH   OTR   0 0 3,575
Panasonic Corp ADR (new) COM 69832A205 6 465 SH   SOLE   465 0 0
Pepsico Inc COM 713448108 13,182 139,400 SH   SOLE   68,890 0 70,510
Pepsico Inc COM 713448108 1,832 19,375 SH   OTR   3,265 0 16,110
Pfizer Inc COM 717081103 60 1,935 SH   SOLE   1,935 0 0
Pfizer Inc COM 717081103 658 21,132 SH   OTR   3,300 0 17,832
Philip Morris Intl Inc COM 718172109 274 3,370 SH   OTR   0 0 3,370
Procter & Gamble Co. COM 742718109 1,430 15,696 SH   SOLE   5,354 0 10,342
Procter & Gamble Co. COM 742718109 1,928 21,165 SH   OTR   1,900 0 19,265
Pulte Group COM 745867101 1,591 74,145 SH   SOLE   73,350 0 795
Qualcomm Inc. COM 747525103 7,491 100,780 SH   SOLE   36,330 0 64,450
Qualcomm Inc. COM 747525103 799 10,750 SH   OTR   2,475 0 8,275
Radioshack Corp COM 750438103 0 1,000 SH   SOLE   0 0 1,000
Roper Inds Inc. COM 776696106 12,507 79,995 SH   SOLE   40,575 0 39,420
Roper Inds Inc. COM 776696106 1,475 9,435 SH   OTR   1,475 0 7,960
Royal Dutch Shell PLC Spons AD COM 780259206 1,702 25,424 SH   SOLE   25,424 0 0
Royal Dutch Shell PLC Spons AD COM 780259206 147 2,200 SH   OTR   2,200 0 0
Sanofi - ADR COM 80105N105 7 150 SH   SOLE   150 0 0
Sanofi - ADR COM 80105N105 219 4,800 SH   OTR   2,600 0 2,200
Schlumberger Ltd COM 806857108 8,766 102,630 SH   SOLE   57,565 0 45,065
Schlumberger Ltd COM 806857108 563 6,595 SH   OTR   1,620 0 4,975
Sempra Energy COM 816851109 181 1,624 SH   OTR   1,624 0 0
Siemens AG Spons ADR (new) COM 826197501 210 1,850 SH   SOLE   1,650 0 200
Siemens AG Spons ADR (new) COM 826197501 622 5,480 SH   OTR   1,080 0 4,400
Smith & Nephew PLC Spons ADR COM 83175M205 287 7,800 SH   SOLE   7,800 0 0
Southwestern Energy Co COM 845467109 5,968 218,700 SH   SOLE   65,475 0 153,225
Southwestern Energy Co COM 845467109 637 23,350 SH   OTR   5,975 0 17,375
Starbucks Corp COM 855244109 16 200 SH   OTR   200 0 0
State Street Corp COM 857477103 169 2,150 SH   OTR   0 0 2,150
Sysco Corp COM 871829107 266 6,700 SH   SOLE   6,700 0 0
Sysco Corp COM 871829107 202 5,100 SH   OTR   0 0 5,100
Target Corp COM 87612E106 23 300 SH   SOLE   0 0 300
Target Corp COM 87612E106 65 850 SH   OTR   850 0 0
Tempur Pedic Intl Inc. COM 88023U101 5 100 SH   SOLE   100 0 0
Tenet Healthcare Corp COM 88033G407 12,130 239,400 SH   SOLE   119,005 0 120,395
Tenet Healthcare Corp COM 88033G407 1,403 27,690 SH   OTR   4,090 0 23,600
Teva Pharmaceutical Inds ADR COM 881624209 351 6,100 SH   SOLE   6,100 0 0
Tredegar Corp. COM 894650100 47 2,080 SH   OTR   2,080 0 0
Union Pac Corp COM 907818108 11,143 93,538 SH   SOLE   50,558 0 42,980
Union Pac Corp COM 907818108 1,367 11,475 SH   OTR   1,600 0 9,875
United Parcel Service Cl B COM 911312106 300 2,700 SH   SOLE   2,700 0 0
United Technologies COM 913017109 356 3,100 SH   OTR   1,300 0 1,800
Unum Group COM 91529Y106 63 1,800 SH   SOLE   1,500 0 300
V F Corp COM 918204108 135 1,800 SH   SOLE   1,600 0 200
Verisign Inc. Com. COM 92343E102 351 6,153 SH   SOLE   6,153 0 0
Verizon Communications COM 92343V104 127 2,723 SH   SOLE   0 0 2,723
Verizon Communications COM 92343V104 582 12,444 SH   OTR   4,162 0 8,282
Vivendi ORD Shs COM F97982106 20 792 SH   SOLE   792 0 0
Vodafone Group PLC Spons ADR COM 92857W308 316 9,239 SH   SOLE   4,524 0 4,715
Vodafone Group PLC Spons ADR COM 92857W308 254 7,443 SH   OTR   218 0 7,225
WalMart Stores, Inc. COM 931142103 4 44 SH   OTR   44 0 0
Walgreens Boots Alliance Inc COM 931427108 101 1,325 SH   SOLE   0 0 1,325
Walgreens Boots Alliance Inc COM 931427108 144 1,891 SH   OTR   0 0 1,891
Wells Fargo & Co New COM 949746101 9 170 SH   OTR   170 0 0
Wisconsin Energy Corp COM 976657106 158 3,000 SH   OTR   3,000 0 0
Zimmer Hldgs Inc. Com COM 98956P102 1 8 SH   SOLE   8 0 0
Zoetis Inc Cl A COM 98978V103 5 118 SH   SOLE   118 0 0
Zoetis Inc Cl A COM 98978V103 44 1,028 SH   OTR   0 0 1,028
eBay Inc COM 278642103 9,785 174,365 SH   SOLE   90,495 0 83,870
eBay Inc COM 278642103 1,088 19,381 SH   OTR   3,681 0 15,700
iShares Silver Trust COM 46428Q109 5 300 SH   OTR   0 0 300