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
Wells Fargo & Co New Perp Pfd CV PFD 949746804 1,282 845 SH   SOLE   575 0 270
Wells Fargo & Co New Perp Pfd CV PFD 949746804 501 330 SH   OTR   110 0 220
AG Mortgage Inv Tr 8 Pfd Ser B PRD 001228303 168 6,600 SH   SOLE   0 0 6,600
AG Mortgage Inv Tr 8 Pfd Ser B PRD 001228303 138 5,400 SH   OTR   4,000 0 1,400
AG Mortgage Inv Tr 8.25 Pfd Se PRD 001228204 231 9,100 SH   SOLE   0 0 9,100
AG Mortgage Inv Tr 8.25 Pfd Se PRD 001228204 51 2,000 SH   OTR   0 0 2,000
Anworth Mortgage Asset 7.625 P PRD 037347408 101 4,000 SH   OTR   4,000 0 0
Capital One Finl Corp DP Shs P PRD 14040H824 17 700 SH   OTR   700 0 0
Capital One Finl Pfd Ser H PRD 14040H840 45 1,700 SH   OTR   0 0 1,700
Energy Transfer Operat 7.625 P PRD 29278N400 330 13,400 SH   SOLE   13,400 0 0
Energy Transfer Operat 7.625 P PRD 29278N400 17 700 SH   OTR   700 0 0
Golar LNG Partners LP 8.75 Cum PRD Y2745C110 101 4,000 SH   OTR   4,000 0 0
JPMorgan Chase 6.15 Pfd Ser H PRD 48127V827 264 10,200 SH   SOLE   0 0 10,200
JPMorgan Chase 6.15 Pfd Ser H PRD 48127V827 49 1,900 SH   OTR   0 0 1,900
New Residential Inv Cp 7.125 C PRD 64828T409 177 7,000 SH   SOLE   7,000 0 0
Pennymac Mtg Invt Tr Pfd Ser A PRD 70931T301 107 4,000 SH   OTR   4,000 0 0
Two Harbor Invt Corp 7.50 Cum PRD 90187B705 785 30,950 SH   SOLE   16,050 0 14,900
Two Harbor Invt Corp 7.50 Cum PRD 90187B705 342 13,500 SH   OTR   7,900 0 5,600
3M Co. COM 88579Y101 302 1,835 SH   SOLE   225 0 1,610
3M Co. COM 88579Y101 327 1,990 SH   OTR   424 0 1,566
AFLAC Inc. COM 001055102 3,299 63,050 SH   SOLE   51,262 0 11,788
AFLAC Inc. COM 001055102 144 2,756 SH   OTR   156 0 2,600
AT&T Inc COM 00206R102 474 12,525 SH   SOLE   125 0 12,400
AT&T Inc COM 00206R102 3 81 SH   OTR   81 0 0
AbbVie Inc. COM 00287Y109 833 10,995 SH   SOLE   4,235 0 6,760
AbbVie Inc. COM 00287Y109 390 5,150 SH   OTR   250 0 4,900
Abbott Labs COM 002824100 147 1,760 SH   SOLE   0 0 1,760
Abbott Labs COM 002824100 427 5,100 SH   OTR   0 0 5,100
Adobe Sys Inc Com COM 00724F101 34 124 SH   SOLE   124 0 0
Adobe Sys Inc Com COM 00724F101 83 300 SH   OTR   0 0 300
Advanced Micro Devices Com COM 007903107 20,096 693,200 SH   SOLE   310,900 0 382,300
Advanced Micro Devices Com COM 007903107 426 14,700 SH   OTR   700 0 14,000
Albemarle Corp. COM 012653101 10,088 145,113 SH   SOLE   68,763 0 76,350
Albemarle Corp. COM 012653101 566 8,138 SH   OTR   6,838 0 1,300
Alphabet Inc Cap Stk Cl A COM 02079K305 19,765 16,186 SH   SOLE   8,424 0 7,762
Alphabet Inc Cap Stk Cl A COM 02079K305 1,109 908 SH   OTR   258 0 650
Alphabet Inc Cap Stk Cl C COM 02079K107 6,750 5,537 SH   SOLE   2,496 0 3,041
Alphabet Inc Cap Stk Cl C COM 02079K107 234 192 SH   OTR   114 0 78
Amazon Com Inc Com COM 023135106 231 133 SH   SOLE   8 0 125
Amer States Water Co COM 029899101 250 2,780 SH   OTR   0 0 2,780
Amgen, Inc. Com COM 031162100 666 3,440 SH   SOLE   1,765 0 1,675
Amgen, Inc. Com COM 031162100 62 322 SH   OTR   122 0 200
Apache Corp COM 037411105 51 2,010 SH   SOLE   1,310 0 700
Apple, Inc. COM 037833100 31,951 142,659 SH   SOLE   79,296 0 63,363
Apple, Inc. COM 037833100 2,168 9,679 SH   OTR   3,225 0 6,454
Applied Materials Inc. COM 038222105 4,680 93,785 SH   SOLE   73,385 0 20,400
Applied Materials Inc. COM 038222105 101 2,020 SH   OTR   500 0 1,520
Aptiv PLC COM G6095L109 13,574 155,270 SH   SOLE   67,570 0 87,700
Aptiv PLC COM G6095L109 494 5,655 SH   OTR   2,980 0 2,675
Avery Dennison Corp. COM 053611109 170 1,500 SH   SOLE   0 0 1,500
Avery Dennison Corp. COM 053611109 307 2,700 SH   OTR   2,700 0 0
B&G Foods Inc. COM 05508R106 1,000 52,900 SH   SOLE   22,900 0 30,000
B&G Foods Inc. COM 05508R106 85 4,500 SH   OTR   2,400 0 2,100
BP PLC Spons ADR COM 055622104 84 2,200 SH   SOLE   0 0 2,200
BP PLC Spons ADR COM 055622104 207 5,449 SH   OTR   0 0 5,449
Bank of New York Mellon COM 064058100 18 400 SH   OTR   0 0 400
Berkshire Hathaway Cl B COM 084670207 373 1,792 SH   SOLE   1,792 0 0
Berkshire Hathaway Cl B COM 084670207 11 55 SH   OTR   0 0 55
Boeing Co. COM 097023105 373 980 SH   SOLE   25 0 955
Bright Horizons Family Solutio COM 109194100 18,610 122,030 SH   SOLE   59,175 0 62,855
Bright Horizons Family Solutio COM 109194100 603 3,955 SH   OTR   355 0 3,600
Broadridge Financial Solutions COM 11133T103 20,240 162,663 SH   SOLE   80,633 0 82,030
Broadridge Financial Solutions COM 11133T103 922 7,410 SH   OTR   3,360 0 4,050
CSX Corp COM 126408103 45 650 SH   SOLE   650 0 0
CVS Caremark Corp COM 126650100 17 263 SH   SOLE   0 0 263
California Wtr Svc Group COM 130788102 159 3,000 SH   SOLE   0 0 3,000
Capital One Finl Corp COM 14040H105 14,802 162,694 SH   SOLE   70,830 0 91,864
Capital One Finl Corp COM 14040H105 491 5,402 SH   OTR   600 0 4,802
Cardinal Health Inc. COM 14149Y108 4 93 SH   SOLE   93 0 0
Charles Schwab Corp (New) COM 808513105 651 15,557 SH   SOLE   13,957 0 1,600
Charles Schwab Corp (New) COM 808513105 125 3,000 SH   OTR   3,000 0 0
Chevron Corp COM 166764100 3,174 26,766 SH   SOLE   18,833 0 7,933
Chevron Corp COM 166764100 3,008 25,361 SH   OTR   4,252 0 21,109
Cisco Systems COM 17275R102 6,211 125,701 SH   SOLE   90,601 0 35,100
Cisco Systems COM 17275R102 394 7,975 SH   OTR   1,850 0 6,125
Coca Cola Co COM 191216100 655 12,030 SH   SOLE   0 0 12,030
Coca Cola Co COM 191216100 11 200 SH   OTR   0 0 200
Comcast Corp New Cl A COM 20030N101 68 1,500 SH   SOLE   0 0 1,500
Constellation Brands Inc Cl A COM 21036P108 35 170 SH   SOLE   0 0 170
Corteva Inc COM 22052L104 119 4,264 SH   SOLE   2,016 0 2,248
Corteva Inc COM 22052L104 86 3,065 SH   OTR   1,599 0 1,466
Costco Wholesale COM 22160K105 23,063 80,049 SH   SOLE   38,263 0 41,786
Costco Wholesale COM 22160K105 919 3,191 SH   OTR   1,156 0 2,035
Crimson Wine Group Ltd COM 22662X100 151 20,000 SH   SOLE   20,000 0 0
DR Horton Inc COM 23331A109 15,724 298,309 SH   SOLE   143,355 0 154,954
DR Horton Inc COM 23331A109 589 11,181 SH   OTR   5,315 0 5,866
Danaher Corp Del COM COM 235851102 20,608 142,683 SH   SOLE   67,573 0 75,110
Danaher Corp Del COM COM 235851102 1,314 9,100 SH   OTR   2,845 0 6,255
Deere & Co COM 244199105 11 63 SH   SOLE   63 0 0
Disney Walt Co Del COM 254687106 15,884 121,886 SH   SOLE   48,630 0 73,256
Disney Walt Co Del COM 254687106 743 5,702 SH   OTR   1,811 0 3,891
Dow Inc COM 260557103 203 4,264 SH   SOLE   2,016 0 2,248
Dow Inc COM 260557103 179 3,765 SH   OTR   2,299 0 1,466
Dupont De Nemours Inc Com COM 26614N102 397 5,564 SH   SOLE   2,016 0 3,548
Dupont De Nemours Inc Com COM 26614N102 192 2,699 SH   OTR   1,233 0 1,466
Eaton Corp COM G29183103 44 530 SH   SOLE   80 0 450
Ecolab Inc Com COM 278865100 119 600 SH   SOLE   0 0 600
Edwards Lifesciences Inc. COM 28176E108 10,798 49,100 SH   SOLE   4,000 0 45,100
Energy Transfer LP UT Ltd Ptn COM 29273V100 63 4,800 SH   SOLE   0 0 4,800
Exxon Mobil Corp COM 30231G102 707 10,008 SH   SOLE   3,250 0 6,758
Exxon Mobil Corp COM 30231G102 199 2,823 SH   OTR   750 0 2,073
Fiserv Inc Com COM 337738108 19,918 192,277 SH   SOLE   89,707 0 102,570
Fiserv Inc Com COM 337738108 1,202 11,600 SH   OTR   3,600 0 8,000
Fortive Corp. COM 34959J108 14,297 208,530 SH   SOLE   78,190 0 130,340
Fortive Corp. COM 34959J108 634 9,245 SH   OTR   2,945 0 6,300
Franco Nevada Corp COM 351858105 27 300 SH   SOLE   0 0 300
GW Pharmaceuticals PLC ADS COM 36197T103 13 115 SH   OTR   0 0 115
General Elec Co COM 369604103 255 28,500 SH   SOLE   19,100 0 9,400
General Elec Co COM 369604103 73 8,148 SH   OTR   0 0 8,148
Gilead Sciences Inc. COM 375558103 1,323 20,880 SH   SOLE   4,925 0 15,955
Gilead Sciences Inc. COM 375558103 108 1,700 SH   OTR   0 0 1,700
Halliburton Co COM 406216101 792 42,000 SH   SOLE   19,350 0 22,650
Halliburton Co COM 406216101 204 10,825 SH   OTR   7,225 0 3,600
Hexcel Corp COM 428291108 22,370 272,367 SH   SOLE   132,063 0 140,304
Hexcel Corp COM 428291108 964 11,740 SH   OTR   1,040 0 10,700
Home Depot Inc COM 437076102 17,608 75,892 SH   SOLE   36,167 0 39,725
Home Depot Inc COM 437076102 1,140 4,912 SH   OTR   1,462 0 3,450
Hon Hai Precision Inds ORD COM Y36861105 2 1,000 SH   OTR   1,000 0 0
Honeywell Intl Inc COM 438516106 100 590 SH   SOLE   590 0 0
IHS Markit LTD COM G47567105 147 2,200 SH   SOLE   0 0 2,200
IQVIA Holdings Inc COM 46266C105 19,670 131,676 SH   SOLE   63,018 0 68,658
IQVIA Holdings Inc COM 46266C105 1,061 7,100 SH   OTR   450 0 6,650
Int'l Bus Mach COM 459200101 131 900 SH   OTR   0 0 900
Intel Corp COM 458140100 431 8,355 SH   SOLE   700 0 7,655
Intel Corp COM 458140100 21 400 SH   OTR   0 0 400
Intercontinental Exchange Grou COM 45866F104 20,376 220,831 SH   SOLE   105,951 0 114,880
Intercontinental Exchange Grou COM 45866F104 1,413 15,310 SH   OTR   4,175 0 11,135
Intuitive Surgical Inc Com New COM 46120E602 132 244 SH   SOLE   0 0 244
JPMorgan Chase & Co COM 46625H100 7,146 60,720 SH   SOLE   4,270 0 56,450
JPMorgan Chase & Co COM 46625H100 465 3,950 SH   OTR   250 0 3,700
Johnson & Johnson COM 478160104 16,699 129,069 SH   SOLE   59,223 0 69,846
Johnson & Johnson COM 478160104 967 7,477 SH   OTR   2,517 0 4,960
Kimberly Clark Corp COM 494368103 156 1,100 SH   SOLE   0 0 1,100
Kontoor Brands Inc COM 50050N103 9 245 SH   SOLE   217 0 28
Lowes Cos Inc Com COM 548661107 54 488 SH   SOLE   0 0 488
Marsh & McLennan Cos Inc. COM 571748102 180 1,800 SH   SOLE   0 0 1,800
McDonalds Corp COM 580135101 440 2,050 SH   SOLE   0 0 2,050
McDonalds Corp COM 580135101 91 425 SH   OTR   0 0 425
Merck & Co Inc COM 58933Y105 10,639 126,388 SH   SOLE   99,348 0 27,040
Merck & Co Inc COM 58933Y105 255 3,030 SH   OTR   405 0 2,625
Microsoft Corp COM 594918104 1,063 7,645 SH   SOLE   2,011 0 5,634
Microsoft Corp COM 594918104 347 2,493 SH   OTR   60 0 2,433
Nestle SA Spons ADR (For Reg) COM 641069406 6,521 60,158 SH   SOLE   53,452 0 6,706
Nestle SA Spons ADR (For Reg) COM 641069406 574 5,298 SH   OTR   2,375 0 2,923
Nike, Inc. Cl B COM 654106103 12 125 SH   OTR   0 0 125
Norfolk Southern Corp COM 655844108 216 1,200 SH   SOLE   0 0 1,200
OGE Energy Corp. COM 670837103 22 480 SH   SOLE   480 0 0
Occidental Pete Corp D COM 674599105 240 5,400 SH   SOLE   3,300 0 2,100
Occidental Pete Corp D COM 674599105 27 600 SH   OTR   200 0 400
Oracle Systems Corp COM 68389X105 363 6,600 SH   SOLE   6,000 0 600
Paccar Inc COM 693718108 179 2,550 SH   SOLE   0 0 2,550
Panasonic Corp ADR (new) COM 69832A205 4 465 SH   SOLE   465 0 0
PayPal Holdings Inc. COM 70450Y103 23,781 229,571 SH   SOLE   108,051 0 121,520
PayPal Holdings Inc. COM 70450Y103 1,596 15,406 SH   OTR   4,956 0 10,450
Pepsico Inc COM 713448108 17,789 129,749 SH   SOLE   57,243 0 72,506
Pepsico Inc COM 713448108 931 6,792 SH   OTR   1,265 0 5,527
Pfizer Inc COM 717081103 204 5,680 SH   SOLE   1,380 0 4,300
Pfizer Inc COM 717081103 578 16,080 SH   OTR   1,500 0 14,580
Procter & Gamble Co. COM 742718109 2,210 17,767 SH   SOLE   4,299 0 13,468
Procter & Gamble Co. COM 742718109 1,696 13,638 SH   OTR   700 0 12,938
Regeneron Pharmaceutical Com COM 75886F107 1,235 4,451 SH   SOLE   3,466 0 985
Roper Technologies Inc COM 776696106 20,825 58,398 SH   SOLE   27,533 0 30,865
Roper Technologies Inc COM 776696106 1,056 2,960 SH   OTR   1,035 0 1,925
Ross Stores Inc. COM 778296103 648 5,900 SH   SOLE   5,900 0 0
Royal Dutch Shell PLC Spons AD COM 780259206 1,623 27,574 SH   SOLE   25,374 0 2,200
Salesforce.com Inc COM 79466L302 8,981 60,505 SH   SOLE   14,580 0 45,925
Salesforce.com Inc COM 79466L302 174 1,175 SH   OTR   175 0 1,000
Sanofi - ADR COM 80105N105 96 2,075 SH   SOLE   75 0 2,000
Sanofi - ADR COM 80105N105 56 1,200 SH   OTR   0 0 1,200
Schlumberger Ltd COM 806857108 7,531 220,393 SH   SOLE   9,673 0 210,720
Schlumberger Ltd COM 806857108 2 70 SH   OTR   70 0 0
Sempra Energy COM 816851109 118 800 SH   SOLE   0 0 800
Sempra Energy COM 816851109 240 1,624 SH   OTR   1,624 0 0
Sibanye-Stillwater Spons ADR COM 825724206 25 4,547 SH   SOLE   0 0 4,547
Siemens AG Spons ADR (new) COM 826197501 79 1,468 SH   SOLE   0 0 1,468
Smith & Nephew PLC Spons ADR COM 83175M205 392 8,150 SH   SOLE   0 0 8,150
Southwestern Energy Co COM 845467109 8 4,028 SH   SOLE   2,285 0 1,743
Starbucks Corp COM 855244109 35 400 SH   OTR   400 0 0
State Street Corp COM 857477103 74 1,250 SH   SOLE   0 0 1,250
State Street Corp COM 857477103 27 450 SH   OTR   0 0 450
Tredegar Corp. COM 894650100 28 1,455 SH   SOLE   1,455 0 0
Union Pac Corp COM 907818108 20 124 SH   SOLE   124 0 0
United Parcel Service Cl B COM 911312106 324 2,700 SH   SOLE   2,700 0 0
United Technologies COM 913017109 223 1,634 SH   SOLE   0 0 1,634
Universal Display Corp Com COM 91347P105 118 700 SH   SOLE   0 0 700
V F Corp COM 918204108 156 1,750 SH   SOLE   1,550 0 200
Vail Resorts Inc. COM 91879Q109 16,244 71,385 SH   SOLE   30,800 0 40,585
Vail Resorts Inc. COM 91879Q109 691 3,035 SH   OTR   1,145 0 1,890
Verisign Inc. Com. COM 92343E102 1,139 6,038 SH   SOLE   6,038 0 0
Verizon Communications COM 92343V104 1,400 23,190 SH   SOLE   14,900 0 8,290
Verizon Communications COM 92343V104 216 3,585 SH   OTR   1,450 0 2,135
Vertex Pharmaceuticals Com COM 92532F100 1,190 7,023 SH   SOLE   2,382 0 4,641
Vertex Pharmaceuticals Com COM 92532F100 305 1,800 SH   OTR   200 0 1,600
Visa Inc Cl A COM 92826C839 23,091 134,242 SH   SOLE   58,883 0 75,359
Visa Inc Cl A COM 92826C839 1,623 9,436 SH   OTR   2,645 0 6,791
Vivendi ORD Shs COM F97982106 22 792 SH   SOLE   792 0 0
Wabtec Corp COM 929740108 11 150 SH   SOLE   101 0 49
Wabtec Corp COM 929740108 3 44 SH   OTR   4 0 40
Walgreens Boots Alliance Inc COM 931427108 41 745 SH   SOLE   0 0 745
Walgreens Boots Alliance Inc COM 931427108 105 1,891 SH   OTR   0 0 1,891
Wisdomtree Tr India Erngs Fd COM 97717W422 5 220 SH   SOLE   220 0 0
Zoetis Inc Cl A COM 98978V103 15 118 SH   SOLE   118 0 0
Zoetis Inc Cl A COM 98978V103 128 1,028 SH   OTR   0 0 1,028
Aberdeen Emerging Markets Fd C EQ FDS 003021250 35 2,349 SH   SOLE   0 0 2,349
Matthews Asia Small Companies EQ FDS 577125206 23 1,331 SH   SOLE   0 0 1,331
Schwab S&P 500 Index Fd EQ FDS 808509855 50 1,084 SH   SOLE   1,084 0 0
Schwab Small Cap Index Fd EQ FDS 808509848 47 1,657 SH   SOLE   1,657 0 0