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
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 871 5,334 SH   SOLE   5,334 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103 216 2,618 SH   SOLE   2,618 0 0
AT&T INC COM 00206R102 1,936 66,415 SH   SOLE   66,190 0 225
AT&T INC COM 00206R102 51 1,737 SH   OTR   1,467 270 0
ABBOTT LABS COM 002824100 667 8,456 SH   SOLE   8,456 0 0
ABBOTT LABS COM 002824100 48 609 SH   OTR   0 0 609
ABBVIE INC COM 00287Y109 687 9,011 SH   SOLE   9,011 0 0
ABBVIE INC COM 00287Y109 77 1,013 SH   OTR   498 0 515
ADELPHIA RECOVERY TR CVV ACC-1 INT 00685R409 0 48,841 SH   OTR   0 48,841 0
ADOBE INC COM 00724F101 2,409 7,571 SH   SOLE   7,534 0 37
ADOBE INC COM 00724F101 92 290 SH   OTR   260 30 0
ALLIANT ENERGY CORP COM 018802108 507 10,500 SH   SOLE   10,500 0 0
ALPHABET INC CAP STK CL C 02079K107 522 449 SH   SOLE   449 0 0
ALPHABET INC CAP STK CL C 02079K107 117 101 SH   OTR   101 0 0
ALPHABET INC CAP STK CL A 02079K305 3,158 2,718 SH   SOLE   2,709 0 9
ALPHABET INC CAP STK CL A 02079K305 275 237 SH   OTR   229 8 0
ALTRIA GROUP INC COM 02209S103 413 10,675 SH   SOLE   10,675 0 0
ALTRIA GROUP INC COM 02209S103 7 180 SH   OTR   0 0 180
AMAZON COM INC COM 023135106 3,184 1,633 SH   SOLE   1,625 0 8
AMAZON COM INC COM 023135106 992 509 SH   OTR   495 14 0
AMERICAN EXPRESS CO COM 025816109 2,025 23,652 SH   SOLE   23,597 0 55
AMERICAN EXPRESS CO COM 025816109 143 1,676 SH   OTR   1,236 240 200
AMER STATES WTR CO COM 029899101 588 7,195 SH   SOLE   7,195 0 0
AMER STATES WTR CO COM 029899101 245 3,000 SH   OTR   3,000 0 0
AMERICAN WTR WKS CO INC NEW COM 030420103 3,629 30,350 SH   SOLE   30,243 0 107
AMERICAN WTR WKS CO INC NEW COM 030420103 139 1,159 SH   OTR   795 64 300
AMERIPRISE FINL INC COM 03076C106 214 2,092 SH   SOLE   2,092 0 0
AMGEN INC COM 031162100 3,397 16,758 SH   SOLE   16,679 0 79
AMGEN INC COM 031162100 343 1,694 SH   OTR   1,470 44 180
APPLE INC COM 037833100 8,248 32,437 SH   SOLE   31,945 0 492
APPLE INC COM 037833100 1,280 5,033 SH   OTR   4,735 98 200
AVISTA CORP COM 05379B107 528 12,434 SH   SOLE   12,434 0 0
BP PLC SPONSORED ADR 055622104 154 6,303 SH   SOLE   6,303 0 0
BP PLC SPONSORED ADR 055622104 51 2,100 SH   OTR   2,100 0 0
BK OF AMERICA CORP COM 060505104 237 11,183 SH   SOLE   7,783 0 3,400
BANK NEW YORK MELLON CORP COM 064058100 982 29,152 SH   SOLE   28,921 0 231
BANK NEW YORK MELLON CORP COM 064058100 10 310 SH   OTR   310 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,360 5 SH   SOLE   5 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,904 7 SH   OTR   7 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,290 7,056 SH   SOLE   1,103 0 5,953
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 186 1,019 SH   OTR   614 0 405
BIG SCREEN ENTMT GROUP INC COM 08953T106 0 10,000 SH   SOLE   10,000 0 0
BOEING CO COM 097023105 1,886 12,645 SH   SOLE   12,600 0 45
BOEING CO COM 097023105 79 529 SH   OTR   379 0 150
CIGNA CORP NEW COM 125523100 1,294 7,301 SH   SOLE   7,301 0 0
CIGNA CORP NEW COM 125523100 21 121 SH   OTR   121 0 0
CALIFORNIA WTR SVC GROUP COM 130788102 791 15,718 SH   SOLE   15,718 0 0
CHEVRON CORP NEW COM 166764100 2,512 34,674 SH   SOLE   34,218 0 456
CHEVRON CORP NEW COM 166764100 612 8,442 SH   OTR   7,898 290 254
CISCO SYS INC COM 17275R102 370 9,423 SH   SOLE   9,423 0 0
CISCO SYS INC COM 17275R102 57 1,450 SH   OTR   1,450 0 0
COCA COLA CO COM 191216100 25 556 SH   SOLE   556 0 0
COCA COLA CO COM 191216100 252 5,700 SH   OTR   5,700 0 0
COLGATE PALMOLIVE CO COM 194162103 190 2,856 SH   SOLE   2,561 0 295
COLGATE PALMOLIVE CO COM 194162103 35 534 SH   OTR   0 0 534
COMCAST CORP NEW CL A 20030N101 802 23,313 SH   SOLE   23,313 0 0
COMCAST CORP NEW CL A 20030N101 90 2,625 SH   OTR   2,625 0 0
CONOCOPHILLIPS COM 20825C104 522 16,935 SH   SOLE   16,665 0 270
CONOCOPHILLIPS COM 20825C104 15 490 SH   OTR   490 0 0
COSTCO WHSL CORP NEW COM 22160K105 5,357 18,787 SH   SOLE   18,712 0 75
COSTCO WHSL CORP NEW COM 22160K105 161 566 SH   OTR   249 92 225
DANAHER CORPORATION COM 235851102 1,209 8,735 SH   SOLE   8,691 0 44
DANAHER CORPORATION COM 235851102 19 140 SH   OTR   140 0 0
DISNEY WALT CO COM DISNEY 254687106 2,413 24,984 SH   SOLE   24,729 0 255
DISNEY WALT CO COM DISNEY 254687106 341 3,527 SH   OTR   2,969 228 330
EDISON INTL COM 281020107 652 11,898 SH   SOLE   11,898 0 0
ENERGIZER HLDGS INC NEW COM 29272W109 342 11,300 SH   SOLE   11,300 0 0
EXXON MOBIL CORP COM 30231G102 1,781 46,900 SH   SOLE   46,429 0 471
EXXON MOBIL CORP COM 30231G102 465 12,248 SH   OTR   5,208 0 7,040
FACEBOOK INC CL A 30303M102 414 2,480 SH   SOLE   2,480 0 0
FACEBOOK INC CL A 30303M102 25 148 SH   OTR   148 0 0
FARMERS & MERCHANTS BK COM 308243104 30,786 5,131 SH   SOLE   5,124 0 7
FARMERS & MERCHANTS BK COM 308243104 7,902 1,317 SH   OTR   50 0 1,267
FORTIVE CORP COM 34959J108 512 9,283 SH   SOLE   9,223 0 60
FORTIVE CORP COM 34959J108 19 340 SH   OTR   200 140 0
GENERAL DYNAMICS CORP COM 369550108 153 1,157 SH   SOLE   1,157 0 0
GENERAL DYNAMICS CORP COM 369550108 116 880 SH   OTR   327 0 553
GENERAL ELECTRIC CO COM 369604103 184 23,202 SH   SOLE   23,202 0 0
GENERAL ELECTRIC CO COM 369604103 49 6,200 SH   OTR   5,800 0 400
GENERAL MLS INC COM 370334104 184 3,488 SH   SOLE   3,488 0 0
GENERAL MLS INC COM 370334104 26 500 SH   OTR   500 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 493 3,191 SH   SOLE   3,163 0 28
GOLDMAN SACHS GROUP INC COM 38141G104 19 120 SH   OTR   120 0 0
HOME DEPOT INC COM 437076102 392 2,100 SH   SOLE   2,100 0 0
HOME DEPOT INC COM 437076102 63 340 SH   OTR   340 0 0
HONEYWELL INTL INC COM 438516106 380 2,840 SH   SOLE   2,555 0 285
HONEYWELL INTL INC COM 438516106 674 5,037 SH   OTR   4,486 0 551
INTEL CORP COM 458140100 349 6,456 SH   SOLE   6,456 0 0
INTEL CORP COM 458140100 191 3,526 SH   OTR   3,526 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 212 1,911 SH   SOLE   1,911 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 11 100 SH   OTR   100 0 0
INTERNATIONAL DISPENSING COR COM 459407102 1 14,000 SH   SOLE   14,000 0 0
INVESCO EXCHANGE-TRADED FD T S&P500 LOW VOL 46138E354 132 2,803 SH   SOLE   2,803 0 0
INVESCO EXCHANGE-TRADED FD T S&P500 LOW VOL 46138E354 88 1,872 SH   OTR   1,872 0 0
ISHARES TR SELECT DIVID ETF 464287168 508 6,914 SH   SOLE   6,914 0 0
ISHARES TR SELECT DIVID ETF 464287168 29 400 SH   OTR   400 0 0
ISHARES TR CORE S&P500 ETF 464287200 199 769 SH   SOLE   769 0 0
ISHARES TR CORE S&P500 ETF 464287200 103 400 SH   OTR   400 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 1,102 32,302 SH   SOLE   32,118 0 184
ISHARES TR MSCI EMG MKT ETF 464287234 9 250 SH   OTR   250 0 0
ISHARES TR S&P 500 VAL ETF 464287408 605 6,287 SH   SOLE   6,287 0 0
ISHARES TR MSCI EAFE ETF 464287465 1,597 29,876 SH   SOLE   29,566 0 310
ISHARES TR MSCI EAFE ETF 464287465 215 4,020 SH   OTR   4,020 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 422 6,579 SH   SOLE   6,504 0 75
ISHARES TR RUS MID CAP ETF 464287499 502 11,620 SH   SOLE   11,200 0 420
ISHARES TR RUS 1000 VAL ETF 464287598 348 3,511 SH   SOLE   3,511 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 1,479 12,921 SH   SOLE   12,921 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 60 522 SH   OTR   522 0 0
ISHARES TR EAFE GRWTH ETF 464288885 1,213 17,060 SH   SOLE   17,060 0 0
ISHARES TR EAFE GRWTH ETF 464288885 24 340 SH   OTR   340 0 0
JPMORGAN CHASE & CO COM 46625H100 3,327 36,955 SH   SOLE   35,512 0 1,443
JPMORGAN CHASE & CO COM 46625H100 312 3,467 SH   OTR   3,025 238 204
JOHNSON & JOHNSON COM 478160104 1,938 14,782 SH   SOLE   14,619 0 163
JOHNSON & JOHNSON COM 478160104 602 4,590 SH   OTR   4,450 0 140
KIMBERLY CLARK CORP COM 494368103 402 3,146 SH   SOLE   2,990 0 156
KIMBERLY CLARK CORP COM 494368103 61 475 SH   OTR   475 0 0
LILLY ELI & CO COM 532457108 599 4,315 SH   SOLE   4,315 0 0
LOCKHEED MARTIN CORP COM 539830109 954 2,814 SH   SOLE   2,814 0 0
LOCKHEED MARTIN CORP COM 539830109 25 73 SH   OTR   73 0 0
MARATHON PETE CORP COM 56585A102 101 4,275 SH   SOLE   4,275 0 0
MARATHON PETE CORP COM 56585A102 225 9,520 SH   OTR   9,520 0 0
MASTERCARD INC CL A 57636Q104 495 2,049 SH   SOLE   2,049 0 0
MASTERCARD INC CL A 57636Q104 34 140 SH   OTR   140 0 0
MCDONALDS CORP COM 580135101 229 1,386 SH   SOLE   1,386 0 0
MCKESSON CORP COM 58155Q103 260 1,919 SH   SOLE   1,919 0 0
MERCK & CO. INC COM 58933Y105 464 6,027 SH   SOLE   5,855 0 172
MICROSOFT CORP COM 594918104 7,200 45,651 SH   SOLE   44,741 0 910
MICROSOFT CORP COM 594918104 2,236 14,180 SH   OTR   13,660 170 350
MIDDLESEX WATER CO COM 596680108 340 5,660 SH   SOLE   5,660 0 0
MONDELEZ INTL INC CL A 609207105 1,199 23,939 SH   SOLE   23,829 0 110
MONDELEZ INTL INC CL A 609207105 43 860 SH   OTR   860 0 0
MOTOROLA SOLUTIONS INC COM NEW 620076307 1,157 8,702 SH   SOLE   8,642 0 60
MOTOROLA SOLUTIONS INC COM NEW 620076307 60 450 SH   OTR   400 50 0
MUSCLEPHARM CORP COM NEW 627335201 4 17,320 SH   SOLE   17,320 0 0
NATIONAL WESTN LIFE GROUP IN CL A 638517102 224 1,300 SH   OTR   1,300 0 0
NESTLE S A SPONSORED ADR 641069406 2,255 21,935 SH   SOLE   21,825 0 110
NESTLE S A SPONSORED ADR 641069406 75 730 SH   OTR   430 0 300
NEW JERSEY RES COM 646025106 758 22,301 SH   SOLE   22,301 0 0
NEWMONT CORP COM 651639106 2,310 51,021 SH   SOLE   50,781 0 240
NEWMONT CORP COM 651639106 129 2,845 SH   OTR   2,665 180 0
NEXTERA ENERGY INC COM 65339F101 353 1,465 SH   SOLE   1,465 0 0
NEXTERA ENERGY INC COM 65339F101 13 56 SH   OTR   56 0 0
NIKE INC CL B 654106103 2,129 25,735 SH   SOLE   25,540 0 195
NIKE INC CL B 654106103 72 868 SH   OTR   488 0 380
NON INVASIVE MONITORING SYS COM NEW 655366508 6 192,818 SH   SOLE   192,818 0 0
NORTHROP GRUMMAN CORP COM 666807102 2,022 6,683 SH   SOLE   6,669 0 14
NORTHROP GRUMMAN CORP COM 666807102 63 209 SH   OTR   209 0 0
OPKO HEALTH INC COM 68375N103 34 25,000 SH   SOLE   25,000 0 0
ORACLE CORP COM 68389X105 2,063 42,687 SH   SOLE   42,547 0 140
ORACLE CORP COM 68389X105 144 2,987 SH   OTR   1,741 546 700
PAYPAL HLDGS INC COM 70450Y103 275 2,876 SH   SOLE   2,876 0 0
PAYPAL HLDGS INC COM 70450Y103 1 9 SH   OTR   9 0 0
PEPSICO INC COM 713448108 705 5,867 SH   SOLE   5,867 0 0
PEPSICO INC COM 713448108 65 540 SH   OTR   540 0 0
PFIZER INC COM 717081103 1,281 39,236 SH   SOLE   39,126 0 110
PFIZER INC COM 717081103 126 3,861 SH   OTR   1,600 260 2,001
PHILIP MORRIS INTL INC COM 718172109 595 8,152 SH   SOLE   8,152 0 0
PHILIP MORRIS INTL INC COM 718172109 8 107 SH   OTR   0 0 107
PHILLIPS 66 COM 718546104 254 4,732 SH   SOLE   4,732 0 0
PHILLIPS 66 COM 718546104 11 200 SH   OTR   200 0 0
POST HLDGS INC COM 737446104 374 4,510 SH   SOLE   4,510 0 0
PROCTER & GAMBLE CO COM 742718109 1,798 16,348 SH   SOLE   16,348 0 0
PROCTER & GAMBLE CO COM 742718109 33 300 SH   OTR   300 0 0
QUEEN CITY INVTS INC CAP STK 74823W109 3,189 3,938 SH   SOLE   3,938 0 0
REPUBLIC SVCS INC COM 760759100 844 11,250 SH   SOLE   11,250 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 139 3,972 SH   SOLE   3,972 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 63 1,800 SH   OTR   1,800 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 358 1,389 SH   SOLE   1,389 0 0
SPDR INDEX SHS FDS ASIA PACIF ETF 78463X301 297 3,500 SH   SOLE   3,500 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 1,286 4,892 SH   SOLE   4,892 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 34 130 SH   OTR   130 0 0
SALESFORCE COM INC COM 79466L302 264 1,834 SH   SOLE   1,834 0 0
SALESFORCE COM INC COM 79466L302 19 130 SH   OTR   130 0 0
SEMPRA ENERGY COM 816851109 359 3,178 SH   SOLE   3,178 0 0
SOUTHERN CO COM 842587107 855 15,794 SH   SOLE   15,569 0 225
SOUTHERN CO COM 842587107 11 200 SH   OTR   200 0 0
STARBUCKS CORP COM 855244109 685 10,415 SH   SOLE   10,340 0 75
STARBUCKS CORP COM 855244109 29 434 SH   OTR   434 0 0
TJX COS INC NEW COM 872540109 1,198 25,056 SH   SOLE   25,056 0 0
TARGET CORP COM 87612E106 357 3,845 SH   SOLE   3,845 0 0
TARGET CORP COM 87612E106 5 54 SH   OTR   54 0 0
TC ENERGY CORP COM 87807B107 296 6,690 SH   SOLE   6,690 0 0
3M CO COM 88579Y101 408 2,990 SH   SOLE   2,920 0 70
3M CO COM 88579Y101 55 404 SH   OTR   404 0 0
TRAVELERS COMPANIES INC COM 89417E109 176 1,770 SH   SOLE   1,770 0 0
TRAVELERS COMPANIES INC COM 89417E109 108 1,088 SH   OTR   1,088 0 0
US BANCORP DEL COM NEW 902973304 935 27,149 SH   SOLE   27,059 0 90
US BANCORP DEL COM NEW 902973304 32 935 SH   OTR   935 0 0
UNION PAC CORP COM 907818108 258 1,831 SH   SOLE   1,831 0 0
UNION PAC CORP COM 907818108 26 184 SH   OTR   184 0 0
UNITED PARCEL SERVICE INC CL B 911312106 202 2,163 SH   SOLE   2,163 0 0
UNITED PARCEL SERVICE INC CL B 911312106 53 566 SH   OTR   566 0 0
UNITED TECHNOLOGIES CORP COM 913017109 1,045 11,080 SH   SOLE   11,042 0 38
UNITED TECHNOLOGIES CORP COM 913017109 85 898 SH   OTR   698 0 200
UNITEDHEALTH GROUP INC COM 91324P102 4,626 18,549 SH   SOLE   18,489 0 60
UNITEDHEALTH GROUP INC COM 91324P102 113 453 SH   OTR   219 100 134
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 211 1,273 SH   SOLE   1,273 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 474 2,000 SH   SOLE   2,000 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,730 32,198 SH   SOLE   32,088 0 110
VERIZON COMMUNICATIONS INC COM 92343V104 103 1,922 SH   OTR   1,198 160 564
VIRCO MFG CO COM 927651109 21 10,000 SH   SOLE   10,000 0 0
VISA INC COM CL A 92826C839 1,535 9,527 SH   SOLE   9,488 0 39
VISA INC COM CL A 92826C839 126 779 SH   OTR   633 146 0
WEC ENERGY GROUP INC COM 92939U106 291 3,300 SH   SOLE   3,300 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108 307 6,700 SH   SOLE   6,700 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108 23 512 SH   OTR   512 0 0
WASTE MGMT INC DEL COM 94106L109 1,217 13,150 SH   SOLE   13,150 0 0
WELLS FARGO CO NEW COM 949746101 976 34,021 SH   SOLE   33,086 0 935
WELLS FARGO CO NEW COM 949746101 17 600 SH   OTR   600 0 0
WENDYS CO COM 95058W100 163 10,981 SH   OTR   10,981 0 0
WIRELESS TELECOM GROUP INC COM 976524108 26 26,947 SH   SOLE   26,947 0 0
YUM BRANDS INC COM 988498101 1 8 SH   SOLE   8 0 0
YUM BRANDS INC COM 988498101 403 5,875 SH   OTR   5,875 0 0
YUM CHINA HLDGS INC COM 98850P109 231 5,425 SH   OTR   5,425 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102 736 7,280 SH   SOLE   7,220 0 60
ZIMMER BIOMET HOLDINGS INC COM 98956P102 27 270 SH   OTR   120 0 150