UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                    FORM 13F

                               FORM 13F COVER PAGE


Report for the Calendar Year or Quarter Ended: 03/31/05
                                               -----------------------

Check Here if Amendment / /; Amendment Number:
                                               ---------
   This Amendment (Check only one.):    / / is a restatement.
                                        / / adds new holdings entries.

Institutional Investment Manager Filing this Report:

   Name:         NICKIE CRANDALL
                 -------------------------------
   Address:      1021 ANACAPA STREET
                 -------------------------------
                 TRUST DIVISION
                 -------------------------------
                 SANTA BARBARA, CA 93101
                 -------------------------------

Form 13F File Number: 28-
                         ---------------------

The institutional investment manager filing this report and the person by
whom it is signed hereby represent that the person signing the report is
authorized to submit it, that all information contained herein is true,
correct and complete, and that it is understood that all required items,
statements, schedules, lists, and tables, are considered integral parts of
this form.

Person Signing this Report on Behalf of Reporting Manager:

Name:    NICKIE CRANDALL
         -------------------------------
Title:   VICE PRESIDENT
         -------------------------------
Phone:   805 564 6203
         -------------------------------

Signature, Place, and Date of Signing:

           NICKIE CRANDALL            SANTA BARBARA, CA   APRIL 05, 2005
   -------------------------------    -----------------   --------------
           [Signature]                  [City, State]        [Date]

Report Type (Check only one.):

/X/ 13F HOLDINGS REPORT. (Check here if all holdings of this reporting
    manager are reported in this report.)

/ / 13F NOTICE. (Check here if no holdings reported are in this report,
    and all holdings are reported by other reporting manager(s).)

/ / 13F COMBINATION REPORT. (Check here if a portion of the holdings for this
    reporting manager are reported in this report and a portion are reported by
    other reporting manager(s).)

List of Other Managers Reporting for this Manager:
[If there are no entries in this list, omit this section.]

    Form 13F File Number        Name

    28-
       ---------------          ------------------------------------
    [Repeat as necessary.]


I AM SIGNING THIS REPORT AS REQUIRED BY THE SECURITIES EXCHANGE
ACT OF 1934.



                              FORM 13F SUMMARY PAGE

Report Summary:


Number of Other Included Managers:       0
                                        --------------------

Form 13F Information Table Entry Total:  486
                                        --------------------

Form 13F Information Table Value Total:  $815,903
                                        --------------------
                                            (thousands)


List of Other Included Managers:

NONE

Provide a numbered list of the name(s) and Form 13F file number(s) of all
institutional investment managers with respect to which this report is filed,
other than the manager filing this report.

[If there are no entries in this list, state "NONE" and omit the column headings
and list entries.]

    No.       Form 13F File Number         Name

              28-
    ------       -----------------         ---------------------------------

    [Repeat as necessary.]





                                                                FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (x$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
------------------------------ ---------------- --------- -------- -------  --- ---- ------- ------------- ------- --------- -------
                                                                                                       
AFLAC INC                      COM              001055102     2133   57648  SH       SOLE                                      57648
AFLAC INC                      COM              001055102     1598   43200  SH       DEFINED                                   43200
ABBOTT LABS                    COM              002824100     3554   76980  SH       SOLE                    76980
ABBOTT LABS                    COM              002824100     2244   48600  SH       DEFINED                 48600
ABERCROMBIE & FITCH CO         COM              002896207      218    3800  SH       SOLE                     3800
ABERDEEN ASIA PACIFIC INCOME   COM              003009107      334   54800  SH       SOLE                    54800
ABERDEEN ASIA PACIFIC INCOME   COM              003009107      414   68000  SH       DEFINED                 38000             30000
ADOBE SYSTEMS INC              COM              00724F101     3493   52475  SH       SOLE                    52475
ADOBE SYSTEMS INC              COM              00724F101      128    1925  SH       DEFINED                  1925
AEGON N V                      COM              007924103      400   30181  SH       SOLE                    30181
AETNA INC                      COM              00817Y108      479    6450  SH       DEFINED                  6050               400
AIR PRODUCTS AND CHEMICALS INC COM              009158106      164    2600  SH       SOLE                     2100               500
AIR PRODUCTS AND CHEMICALS INC COM              009158106      106    1692  SH       DEFINED                  1692
ALCOA, INC                     COM              013817101     2898   96350  SH       SOLE                    93550              2800
ALCOA, INC                     COM              013817101       60    2000  SH       DEFINED                  2000
ALLIED CAP CORP NEW            COM              01903Q108     1992   75137  SH       SOLE                    74637               500
ALLIED CAP CORP NEW            COM              01903Q108      254    9600  SH       DEFINED                  7600              2000
ALLSTATE CORP                  COM              020002101      711   13017  SH       SOLE                    13017
ALLTEL CORP                    COM              020039103      207    3694  SH       SOLE                     3694
ALLTEL CORP                    COM              020039103      394    7040  SH       DEFINED                  7040


                                     Page 2



                                                                                                       
ALTRIA GROUP INC               COM              02209S103     3953   61328  SH       SOLE                    55178              6150
ALTRIA GROUP INC               COM              02209S103      676   10500  SH       DEFINED                 10500
AMERICAN EXPRESS CO            COM              025816109     1473   28715  SH       SOLE                    28715
AMERICAN EXPRESS CO            COM              025816109      754   14700  SH       DEFINED                 14700
AMERICAN INTERNATIONAL GROUP I COM              026874107     9485  177961  SH       SOLE                   147568             30393
AMERICAN INTERNATIONAL GROUP I COM              026874107     1847   34668  SH       DEFINED                  9968             24700
AMGEN INC                      COM              031162100     7703  134375  SH       SOLE                   134375
AMGEN INC                      COM              031162100      682   11900  SH       DEFINED                 10400              1500
AMSOUTH BANCORPORATION         COM              032165102      853   33110  SH       SOLE                    33110
AMSOUTH BANCORPORATION         COM              032165102      103    4000  SH       DEFINED                  4000
ANADARKO PETROLEUM CORP        COM              032511107     3783   48063  SH       SOLE                    48063
ANADARKO PETROLEUM CORP        COM              032511107      320    4066  SH       DEFINED                  2525              1541
ANHEUSER BUSCH COS INC         COM              035229103     7222  153140  SH       SOLE                   153140
ANHEUSER BUSCH COS INC         COM              035229103      266    5650  SH       DEFINED                  5650
APACHE CORPORATION             COM              037411105      587    9284  SH       SOLE                     9284
APACHE CORPORATION             COM              037411105      172    2720  SH       DEFINED                  2720
APPLIED MATERIALS INC          COM              038222105      207   12950  SH       SOLE                    12950
APPLIED MATERIALS INC          COM              038222105       12     800  SH       DEFINED                   800
ARCHER-DANIELS-MIDLAND CO      COM              039483102       78    3188  SH       SOLE                     3188
ARCHER-DANIELS-MIDLAND CO      COM              039483102      149    6056  SH       DEFINED                  6056
AUTODESK INC                   COM              052769106     1027   32800  SH       SOLE                    32800
AUTODESK INC                   COM              052769106       37    1200  SH       DEFINED                  1200
AUTOLIV INC                    COM              052800109     1317   28300  SH       SOLE                                      28300
AUTOLIV INC                    COM              052800109     1038   22300  SH       DEFINED                                   22300
AUTOMATIC DATA PROCESSING      COM              053015103     1887   42050  SH       SOLE                    40050              2000
AUTOMATIC DATA PROCESSING      COM              053015103     1458   32500  SH       DEFINED                 32500
BP PLC ADR                     COM              055622104     4089   65091  SH       SOLE                    62984              2107
BP PLC ADR                     COM              055622104     1420   22610  SH       DEFINED                 22610
BRE PROPERTIES INC             COM              05564E106     2303   65337  SH       SOLE                    27606             37731
BRE PROPERTIES INC             COM              05564E106       70    2000  SH       DEFINED                  2000
BAKER HUGHES INC               COM              057224107      271    6069  SH       DEFINED                  6069
BALL CORP                      COM              058498106        6     150  SH       SOLE                      150


                                     Page 3



                                                                                                       
BALL CORP                      COM              058498106      843   20500  SH       DEFINED                 19500              1000
BANK OF AMERICA CORP           COM              060505104     7920  179367  SH       SOLE                   152719             26648
BANK OF AMERICA CORP           COM              060505104     1898   42986  SH       DEFINED                 42986
BAUSCH & LOMB INC              COM              071707103      524    7200  SH       SOLE                     7200
BAXTER INTERNATIONAL INC       COM              071813109      860   25500  SH       SOLE                    25500
BAXTER INTERNATIONAL INC       COM              071813109      190    5646  SH       DEFINED                  5646
BECTON DICKINSON & CO          COM              075887109      211    3700  SH       SOLE                     3700
BECTON DICKINSON & CO          COM              075887109      143    2500  SH       DEFINED                  2500
BED BATH & BEYOND IND          COM              075896100     1172   31700  SH       SOLE                      800             30900
BED BATH & BEYOND IND          COM              075896100      991   26800  SH       DEFINED                                   26800
BELLSOUTH CORP                 COM              079860102      808   30576  SH       SOLE                    30576
BELLSOUTH CORP                 COM              079860102      302   11436  SH       DEFINED                 11436
BEMIS CORP                     COM              081437105     1539   49700  SH       SOLE                    48200              1500
BEMIS CORP                     COM              081437105       74    2400  SH       DEFINED                  2400
W.R. BERKLEY CORPORATION       COM              084423102     1641   33200  SH       SOLE                                      33200
W.R. BERKLEY CORPORATION       COM              084423102     1372   27750  SH       DEFINED                                   27750
BERKSHIRE HATHAWAY INC DEL CL  COM              084670108      610       7  SH       SOLE                        7
BERKSHIRE HATHAWAY INC DEL CL  COM              084670108      174       2  SH       DEFINED                     2
BERKSHIRE HATHAWAY INC CL B    COM              084670207      239      83  SH       SOLE                       83
BERKSHIRE HATHAWAY INC CL B    COM              084670207       95      33  SH       DEFINED                    33
BEST BUY COMPANY INC           COM              086516101     1477   29625  SH       SOLE                     2925             26700
BEST BUY COMPANY INC           COM              086516101     1107   22200  SH       DEFINED                                   22200
BIOGEN IDEC INC                COM              09062X103     1419   41025  SH       SOLE                    41025
BIOGEN IDEC INC                COM              09062X103      171    4945  SH       DEFINED                  4945
BOEING CO                      COM              097023105      726   12460  SH       SOLE                     7360              5100
BOEING CO                      COM              097023105      116    2000  SH       DEFINED                  2000
J G BOSWELL COMPANY            COM              101205102     9441   16420  SH       SOLE                      300             16120
J G BOSWELL COMPANY            COM              101205102     6506   11315  SH       DEFINED                                   11315
BRISTOL-MYERS SQUIBB CO        COM              110122108     2872  113540  SH       SOLE                   113540
BRISTOL-MYERS SQUIBB CO        COM              110122108      632   24982  SH       DEFINED                 16582              8400
BURLINGTON NORTHERN SANTA FE C COM              12189T104      514    9553  SH       SOLE                     4603              4950


                                     Page 4



                                                                                                       
BURLINGTON NORTHERN SANTA FE C COM              12189T104       59    1100  SH       DEFINED                  1100
BURLINGTON RESOURCES INC       COM              122014103      719   13800  SH       SOLE                    13800
BURLINGTON RESOURCES INC       COM              122014103      104    2000  SH       DEFINED                  2000
CIGNA CORP                     COM              125509109     2551   29000  SH       SOLE                    29000
CVB FINANCIAL CORP             COM              126600105      618   34593  SH       SOLE                    34593
CAREMARK RX INC                COM              141705103     2212   55100  SH       SOLE                                      55100
CAREMARK RX INC                COM              141705103     1666   41500  SH       DEFINED                                   41500
CATERPILLAR INC                COM              149123101      667    7404  SH       SOLE                     7200               204
CATERPILLAR INC                COM              149123101       63     700  SH       DEFINED                   700
CHANNEL TECHNOLOGIES INC       COM              159173103       83   39088  SH       DEFINED                 39088
CHEVRONTEXACO CORPORATION      COM              166764100    13786  241959  SH       SOLE                   231759             10200
CHEVRONTEXACO CORPORATION      COM              166764100     4044   70976  SH       DEFINED                 62336              8640
CHICO'S FAS INC                COM              168615102     2856  102000  SH       SOLE                   102000
CHICO'S FAS INC                COM              168615102      140    5000  SH       DEFINED                  5000
CHUBB CORP                     COM              171232101      768    9748  SH       SOLE                     8348              1400
CHUBB CORP                     COM              171232101       56     720  SH       DEFINED                   720
CISCO SYS INC                  COM              17275R102     4924  278670  SH       SOLE                   210170             68500
CISCO SYS INC                  COM              17275R102     1801  101935  SH       DEFINED                 32035             69900
CITIGROUP INC                  COM              172967101    11731  263092  SH       SOLE                   233887             29205
CITIGROUP INC                  COM              172967101     2589   58069  SH       DEFINED                 28969             29100
CLOROX CO                      COM              189054109      435    6900  SH       SOLE                     6900
CLOROX CO                      COM              189054109      189    3000  SH       DEFINED                  3000
COACH INC                      COM              189754104       32     580  SH       SOLE                      580
COACH INC                      COM              189754104      183    3268  SH       DEFINED                  3268
COCA COLA CO                   COM              191216100     3810   91877  SH       SOLE                    91877
COCA COLA CO                   COM              191216100     1481   35715  SH       DEFINED                 35715
COGNIZANT TECHNOLOGY SOLUTIONS COM              192446102     1041   22425  SH       SOLE                    22425
COGNIZANT TECHNOLOGY SOLUTIONS COM              192446102      334    7200  SH       DEFINED                  7200
COLGATE PALMOLIVE CO           COM              194162103     1626   31414  SH       SOLE                    31414
COLGATE PALMOLIVE CO           COM              194162103      362    7000  SH       DEFINED                  7000
COMCAST CORPORATION SPECIAL CL COM              20030N200      276    8400  SH       SOLE                     8400
COMERICA INC                   COM              200340107      888   16296  SH       SOLE                    16296


                                     Page 5



                                                                                                       
COMERICA INC                   COM              200340107       24     450  SH       DEFINED                   450
COMMERCE BANCSHARES INC        COM              200525103       61    1275  SH       SOLE                     1275
COMMERCE BANCSHARES INC        COM              200525103     2872   59891  SH       DEFINED                 59891
COMPUTER SCIENCES CORP         COM              205363104       49    1085  SH       SOLE                     1085
COMPUTER SCIENCES CORP         COM              205363104      252    5500  SH       DEFINED                  5500
CONAGRA FOODS, INC.            COM              205887102     1192   44764  SH       SOLE                    42764              2000
CONAGRA FOODS, INC.            COM              205887102      279   10500  SH       DEFINED                 10500
CONOCOPHILLIPS                 COM              20825C104      872    7888  SH       SOLE                     6388              1500
CONOCOPHILLIPS                 COM              20825C104     2878   26033  SH       DEFINED                 26033
CONSOLIDATED EDISON INC        COM              209115104     3104   74600  SH       SOLE                    72200              2400
CONSOLIDATED EDISON INC        COM              209115104      119    2875  SH       DEFINED                  2875
CONSTELLATION ENERGY GROUP, IN COM              210371100      486    9200  SH       SOLE                     9200
CONSTELLATION ENERGY GROUP, IN COM              210371100       10     200  SH       DEFINED                   200
COOPER COMPANIES INC           COM              216648402      300    4150  SH       SOLE                     4150
COSTCO WHOLESALE CORPORATION   COM              22160K105     2275   50390  SH       SOLE                    18290             32100
COSTCO WHOLESALE CORPORATION   COM              22160K105     1257   27850  SH       DEFINED                   650             27200
CRANE CO                       COM              224399105      982   35500  SH       DEFINED                 35500
DANAHER CORP                   COM              235851102      550   10650  SH       SOLE                    10650
DANAHER CORP                   COM              235851102      103    2000  SH       DEFINED                  1800               200
DAVITA INC                     COM              23918K108     1615   38400  SH       DEFINED                 36900              1500
DEERE & CO                     COM              244199105      223    3387  SH       SOLE                     3387
DEERE & CO                     COM              244199105       13     200  SH       DEFINED                   200
DELL INC                       COM              24702R101     3239   83741  SH       SOLE                    83741
DELL INC                       COM              24702R101     8207  212200  SH       DEFINED                212200
DENTSPLY INTL INC NEW          COM              249030107     1547   28900  SH       SOLE                                      28900
DENTSPLY INTL INC NEW          COM              249030107     1344   25100  SH       DEFINED                                   25100
DISNEY WALT CO HOLDING COMPANY COM              254687106     5441  191415  SH       SOLE                   191115               300
DISNEY WALT CO HOLDING COMPANY COM              254687106      419   14750  SH       DEFINED                 14750
DOMINION RESOURCES COM         COM              25746U109      979   12875  SH       SOLE                    12875
DOMINION RESOURCES COM         COM              25746U109       98    1300  SH       DEFINED                  1300
DONNELLEY R R & SONS CO        COM              257867101      230    7367  SH       SOLE                     7367


                                     Page 6



                                                                                                       
DONNELLEY R R & SONS CO        COM              257867101       68    2200  SH       DEFINED                  2200
DOW CHEM CO                    COM              260543103     2901   58910  SH       SOLE                    55260              3650
DOW CHEM CO                    COM              260543103      288    5850  SH       DEFINED                  5850
DU PONT (E I ) DE NEMOURS & CO COM              263534109     4416   87569  SH       SOLE                    80869              6700
DU PONT (E I ) DE NEMOURS & CO COM              263534109      863   17120  SH       DEFINED                 15320              1800
DUKE ENERGY CORP               COM              264399106      409   14408  SH       SOLE                    14408
DUKE ENERGY CORP               COM              264399106       65    2300  SH       DEFINED                  2300
EMC CORPORATION                COM              268648102     1800  144375  SH       SOLE                   144375
EMC CORPORATION                COM              268648102       43    3480  SH       DEFINED                  3480
EOG RESOURCES                  COM              26875P101      505   10100  SH       SOLE                    10100
EOG RESOURCES                  COM              26875P101      190    3800  SH       DEFINED                  3800
EAST WEST BANCORP INC          COM              27579R104      428   11800  SH       SOLE                    11800
EASTMAN KODAK CO               COM              277461109      254    8050  SH       SOLE                     8050
EASTMAN KODAK CO               COM              277461109       51    1634  SH       DEFINED                  1634
ELECTRONIC DATA SYSTEMS CORPOR COM              285661104     1434   69558  SH       SOLE                    69558
ELECTRONIC DATA SYSTEMS CORPOR COM              285661104      111    5400  SH       DEFINED                  4100              1300
EMERSON ELECTRIC COMPANY       COM              291011104     1860   29199  SH       SOLE                    27699              1500
EMERSON ELECTRIC COMPANY       COM              291011104      802   12596  SH       DEFINED                 11596              1000
ENCANA CORP                    COM              292505104      369    5150  SH       SOLE                     5150
ENCANA CORP                    COM              292505104      107    1500  SH       DEFINED                  1500
ENOVA SYSTEMS INC              COM              29355M101        2   23000  SH       SOLE                    23000
EQUITY OFFICE PROPERTIES TRUST COM              294741103      670   22100  SH       SOLE                    22100
EQUITY OFFICE PROPERTIES TRUST COM              294741103       60    2000  SH       DEFINED                  2000
EQUITY RESIDENTIAL             COM              29476L107      394   12400  SH       SOLE                    12400
EXELON CORPORATION             COM              30161N101      540   11874  SH       SOLE                    11874
EXELON CORPORATION             COM              30161N101      287    6300  SH       DEFINED                  6300
EXXON MOBIL CORPORATION        COM              30231G102    20567  339123  SH       SOLE                   333263              5860
EXXON MOBIL CORPORATION        COM              30231G102     7518  123972  SH       DEFINED                108292             15680
FPL GROUP INC                  COM              302571104      376    9310  SH       SOLE                     6710              2600
FPL GROUP INC                  COM              302571104       40    1000  SH       DEFINED                  1000
FREDDIE MAC                    COM              313400301      606    9850  SH       SOLE                     9850
FANNIE MAE                     COM              313586109      487    9473  SH       SOLE                     9473


                                     Page 7



                                                                                                       
FANNIE MAE                     COM              313586109      501    9750  SH       DEFINED                  9750
FEDEX CORPORATION              COM              31428X106     8145   87700  SH       SOLE                    87700
FEDEX CORPORATION              COM              31428X106      858    9245  SH       DEFINED                  9245
FIDELITY NATIONAL FINANCIAL IN COM              316326107      222    6897  SH       SOLE                     6897
FIRST DATA CORP                COM              319963104     1037   26840  SH       SOLE                    26840
FIRST DATA CORP                COM              319963104      964   24950  SH       DEFINED                 24950
FISERV INC                     COM              337738108      119    3023  SH       SOLE                     3023
FISERV INC                     COM              337738108      118    3000  SH       DEFINED                  3000
FISHER SCIENTIFIC INTERNATIONA COM              338032204     1159   20750  SH       SOLE                      250             20500
FISHER SCIENTIFIC INTERNATIONA COM              338032204      810   14500  SH       DEFINED                                   14500
FORD MOTOR COMPANY             COM              345370860      117   10567  SH       SOLE                    10567
FORD MOTOR COMPANY             COM              345370860       19    1748  SH       DEFINED                  1748
FORTUNE BRANDS INC             COM              349631101      381    4581  SH       SOLE                     4581
FORTUNE BRANDS INC             COM              349631101      124    1500  SH       DEFINED                   600               900
GANNETT INC                    COM              364730101     1892   23930  SH       SOLE                    19630              4300
GANNETT INC                    COM              364730101      980   12400  SH       DEFINED                 12400
GENERAL DYNAMICS CORP          COM              369550108     4424   40950  SH       SOLE                    40950
GENERAL DYNAMICS CORP          COM              369550108      237    2200  SH       DEFINED                  2200
GENERAL ELEC CO                COM              369604103    22331  633691  SH       SOLE                   630155              3536
GENERAL ELEC CO                COM              369604103    10728  304434  SH       DEFINED                272434             32000
GENERAL MILLS INC              COM              370334104      188    3864  SH       SOLE                     3864
GENERAL MILLS INC              COM              370334104      302    6200  SH       DEFINED                  6200
GENERAL MOTORS CORP            COM              370442105       64    2228  SH       SOLE                     1728               500
GENERAL MOTORS CORP            COM              370442105      175    6050  SH       DEFINED                  6050
GENUINE PARTS CO               COM              372460105      267    6150  SH       SOLE                     6150
GENUINE PARTS CO               COM              372460105      129    2974  SH       DEFINED                  2974
GILLETTE CO                    COM              375766102      671   13087  SH       SOLE                    13087
GILLETTE CO                    COM              375766102      444    8670  SH       DEFINED                  8670
GLAXO SMITHKLINE SPONSORED PLC COM              37733W105      485   10747  SH       SOLE                     5399              5348
GOLDMAN SACHS GROUP            COM              38141G104     1476   13300  SH       SOLE                      600             12700
GOLDMAN SACHS GROUP            COM              38141G104      921    8300  SH       DEFINED                                    8300


                                     Page 8



                                                                                                       
GRAINGER W W INC               COM              384802104       18     300  SH       SOLE                      300
GRAINGER W W INC               COM              384802104      373    6000  SH       DEFINED                  6000
GREAT PLAINS ENERGY INC        COM              391164100      475   15708  SH       SOLE                    15708
GREAT PLAINS ENERGY INC        COM              391164100       87    2900  SH       DEFINED                  2900
GREATER BAY BANCORP            COM              391648102      458   19000  SH       SOLE                    19000
HARTFORD FINANCIAL SVCS GRP IN COM              416515104      432    6250  SH       SOLE                     6250
HARTFORD FINANCIAL SVCS GRP IN COM              416515104      120    1746  SH       DEFINED                  1746
HEINZ H J CO                   COM              423074103     1098   29923  SH       SOLE                    29923
HEINZ H J CO                   COM              423074103       93    2550  SH       DEFINED                  2550
HERSHEY FOODS CORP             COM              427866108      179    3000  SH       SOLE                     3000
HERSHEY FOODS CORP             COM              427866108      299    5000  SH       DEFINED                  5000
HEWLETT PACKARD CO             COM              428236103     5358  244563  SH       SOLE                   235563              9000
HEWLETT PACKARD CO             COM              428236103     1263   57681  SH       DEFINED                 55281              2400
HOME DEPOT INC                 COM              437076102     3696   97499  SH       SOLE                    97199               300
HOME DEPOT INC                 COM              437076102     5255  138618  SH       DEFINED                138618
HONEYWELL INTERNATIONAL INC    COM              438516106     2980   80900  SH       SOLE                    80900
HONEYWELL INTERNATIONAL INC    COM              438516106      397   10787  SH       DEFINED                  9287              1500
J.B. HUNT TRANSPORT SERVICES   COM              445658107        8     200  SH       SOLE                      200
J.B. HUNT TRANSPORT SERVICES   COM              445658107     1054   24500  SH       DEFINED                 23500              1000
ILLINOIS TOOL WORKS INC        COM              452308109      878    9826  SH       SOLE                     9026               800
ILLINOIS TOOL WORKS INC        COM              452308109      150    1686  SH       DEFINED                   286              1400
ING GROEP NV                   COM              456837103     3613  121968  SH       SOLE                   121968
INTEL CORP                     COM              458140100     9322  406545  SH       SOLE                   351945             54600
INTEL CORP                     COM              458140100     2489  108580  SH       DEFINED                 65080             43500
INTERNATIONAL BUSINESS MACHS C COM              459200101    10574  117074  SH       SOLE                   106674             10400
INTERNATIONAL BUSINESS MACHS C COM              459200101     4260   47170  SH       DEFINED                 46070              1100
INTERNATIONAL PAPER CO         COM              460146103       96    2654  SH       SOLE                     2654
INTERNATIONAL PAPER CO         COM              460146103      134    3700  SH       DEFINED                  3700
INVESTORS FINANCIAL SERVICES C COM              461915100     1388   28500  SH       SOLE                                      28500
INVESTORS FINANCIAL SERVICES C COM              461915100     1101   22600  SH       DEFINED                                   22600
I-SHARES DJ SELECT DIV INDEX F COM              464287168     2890   48295  SH       SOLE                    48295
I-SHARES DJ SELECT DIV INDEX F COM              464287168      625   10450  SH       DEFINED                  9050              1400


                                     Page 9



                                                                                                        
iSHARES S&P 500 INDEX FUND     COM              464287200     1467   12479  SH       SOLE                    12479
I-SHARES MSCI EMERGING MARKETS COM              464287234      773    3781  SH       SOLE                     3781
I-SHARES MSCI EMERGING MARKETS COM              464287234      282    1380  SH       DEFINED                  1330                50
iSHARES S&P 500 BARRA GROWTH   COM              464287309      871   15420  SH       SOLE                    15420
iSHARES S&P 500 BARRA GROWTH   COM              464287309      166    2950  SH       DEFINED                  2950
iSHARES S&P 500 VALUE          COM              464287408     3952   65140  SH       SOLE                    65140
iSHARES S&P 500 VALUE          COM              464287408      157    2600  SH       DEFINED                  2600
I-SHARES MSCI EAFE INDEX FD    COM              464287465     3516   22180  SH       SOLE                    21330               850
I-SHARES MSCI EAFE INDEX FD    COM              464287465      697    4400  SH       DEFINED                  4000               400
I-SHARES RUSSELL MID CAP VALUE COM              464287473      822    7270  SH       SOLE                     7270
ISHARES RUSSELL MIDCAP GROWTH  COM              464287481      501    6075  SH       SOLE                     6075
ISHARES RUSSELL MIDCAP GROWTH  COM              464287481      689    8350  SH       DEFINED                  8100               250
I-SHARES TRUST FUND            COM              464287499      530    6750  SH       SOLE                     6750
iSHARES S&P MIDCAP 400/BARRA G COM              464287606     1565   11715  SH       SOLE                    11715
iSHARES S&P MIDCAP 400/BARRA G COM              464287606      327    2450  SH       DEFINED                  2450
iSHARES RUSSELL 2000 VALUE     COM              464287630      589    3200  SH       SOLE                     3200
iSHARES RUSSELL 2000 VALUE     COM              464287630      286    1555  SH       DEFINED                  1505                50
iSHARES RUSSELL 2000 GROWTH    COM              464287648      347    5550  SH       SOLE                     5550
iSHARES RUSSELL 2000 GROWTH    COM              464287648      553    8850  SH       DEFINED                  8550               300
iSHARES RUSSELL 2000 INDEX     COM              464287655     2527   20700  SH       SOLE                    20700
iSHARES RUSSELL 2000 INDEX     COM              464287655      457    3750  SH       DEFINED                  3450               300
iSHARES S&P MIDCAP 400/BARRA V COM              464287705     3035   23880  SH       SOLE                    23880
iSHARES S&P MIDCAP 400/BARRA V COM              464287705      327    2580  SH       DEFINED                  2580
iSHARES SP600 SMALL CAP        COM              464287804     5053   31767  SH       SOLE                    30167              1600
iSHARES SP600 SMALL CAP        COM              464287804      365    2300  SH       DEFINED                  2300
iSHARES SMALL CAP VALUE        COM              464287879      994    8393  SH       SOLE                     8393
iSHARES SMALL CAP VALUE        COM              464287879      379    3200  SH       DEFINED                  3200
iSHARES S&P 600 BARRA GROWTH   COM              464287887     1555   14761  SH       SOLE                    14761
iSHARES S&P 600 BARRA GROWTH   COM              464287887      261    2485  SH       DEFINED                  2485
JPMORGAN CHASE & COMPANY       COM              46625H100     5290  156674  SH       SOLE                   153908              2766
JPMORGAN CHASE & COMPANY       COM              46625H100      848   25131  SH       DEFINED                 25131


                                     Page 10



                                                                                                       
JOHNSON & JOHNSON              COM              478160104    20168  296676  SH       SOLE                   258476             38200
JOHNSON & JOHNSON              COM              478160104     7906  116313  SH       DEFINED                 76813             39500
KANSAS CITY LIFE INSURANCE CO  COM              484836101     5303  107182  SH       DEFINED                107182
KELLOGG CO                     COM              487836108      214    4970  SH       SOLE                     4970
KELLOGG CO                     COM              487836108      150    3500  SH       DEFINED                  3500
KIMBERLY-CLARK CORP            COM              494368103     4086   62550  SH       SOLE                    62550
KIMBERLY-CLARK CORP            COM              494368103     1456   22300  SH       DEFINED                 21300              1000
KINDER MORGAN ENERGY PARTNERS  COM              494550106      400    8700  SH       SOLE                     8700
KINDER MORGAN ENERGY PARTNERS  COM              494550106      184    4000  SH       DEFINED                  4000
KNIGHT-RIDDER INC              COM              499040103       86    1300  SH       SOLE                     1300
KNIGHT-RIDDER INC              COM              499040103      272    4100  SH       DEFINED                  4100
L3 COMMUNICATIONS HOLDING      COM              502424104     1867   26250  SH       SOLE                    24950              1300
L3 COMMUNICATIONS HOLDING      COM              502424104       21     300  SH       DEFINED                   300
LEHMAN BROTHERS HOLDINGS INC   COM              524908100      363    3855  SH       SOLE                     3855
LENNAR                         COM              526057104      434    7500  SH       SOLE                     7500
LILLY ELI & CO                 COM              532457108     1121   21848  SH       SOLE                    21648               200
LILLY ELI & CO                 COM              532457108      912   17786  SH       DEFINED                 17786
LIMONEIRA COMPANY OF SANTA PAU COM              532746104     1041    4800  SH       SOLE                                       4800
LINCOLN NATIONAL CORP          COM              534187109     1316   29200  SH       SOLE                                      29200
LINCOLN NATIONAL CORP          COM              534187109     1181   26200  SH       DEFINED                                   26200
LOCKHEED MARTIN CORP           COM              539830109      328    5325  SH       SOLE                     5325
LOEWS CORP                     COM              540424108      624    8600  SH       DEFINED                  8600
LOWES CO INC                   COM              548661107     4112   72832  SH       SOLE                    48232             24600
LOWES CO INC                   COM              548661107     1604   28410  SH       DEFINED                  8710             19700
MBIA INC                       COM              55262C100      218    4200  SH       SOLE                     4200
MBNA CORP                      COM              55262L100      316   12850  SH       SOLE                    12850
MBNA CORP                      COM              55262L100       30    1250  SH       DEFINED                  1250
MARSHALL & ILSLEY CORP         COM              571834100     1460   35000  SH       SOLE                    35000
MASCO CORP                     COM              574599106      313    9090  SH       SOLE                      990              8100
MASCO CORP                     COM              574599106      103    3000  SH       DEFINED                  3000
MAXIM INTEGRATED PRODUCTS INC  COM              57772K101      201    5000  SH       SOLE                     5000
MAY DEPARTMENT STORES          COM              577778103     2034   54539  SH       SOLE                    50489              4050


                                     Page 11



                                                                                                       
MAY DEPARTMENT STORES          COM              577778103       44    1200  SH       DEFINED                  1200
MCDONALD'S CORP                COM              580135101     3055   98599  SH       SOLE                    98599
MCDONALD'S CORP                COM              580135101      368   11900  SH       DEFINED                 10900              1000
MCGRAW HILL INC                COM              580645109      404    4665  SH       SOLE                     4665
MCGRAW HILL INC                COM              580645109      121    1400  SH       DEFINED                  1400
MEDTRONIC INC                  COM              585055106     6562  128650  SH       SOLE                   127250              1400
MEDTRONIC INC                  COM              585055106     1254   24600  SH       DEFINED                 24600
MERCK & CO INC                 COM              589331107     5248  161490  SH       SOLE                   161490
MERCK & CO INC                 COM              589331107     1726   53113  SH       DEFINED                 42313             10800
MERRILL LYNCH & CO             COM              590188108      222    3975  SH       SOLE                     3975
MICROSOFT CORP                 COM              594918104    11450  472579  SH       SOLE                   421979             50600
MICROSOFT CORP                 COM              594918104     2933  121078  SH       DEFINED                 82878             38200
S & P MID-CAP 400              COM              595635103     6361   52900  SH       SOLE                    52900
S & P MID-CAP 400              COM              595635103      901    7495  SH       DEFINED                  7495
MOLSON COORS BREWING COMPANY C COM              60871R209      200    2575  SH       SOLE                     2575
MORGAN STANLEY                 COM              617446448     4684   80357  SH       SOLE                    79757               600
MORGAN STANLEY                 COM              617446448      413    7100  SH       DEFINED                  7100
MOTOROLA INC                   COM              620076109      437   29450  SH       SOLE                    29450
MOTOROLA INC                   COM              620076109      459   30900  SH       DEFINED                 19300             11600
NATIONAL CITY CORP             COM              635405103      874   26300  SH       SOLE                    26300
NESTLE S A                     COM              641069406      240    3600  SH       SOLE                     3600
NEW PLAN EXCEL REALTY TRUST IN COM              648053106      388   15650  SH       SOLE                    15650
NEW PLAN EXCEL REALTY TRUST IN COM              648053106       32    1300  SH       DEFINED                  1300
NEW YORK TIMES CO CL A         COM              650111107     1127   31500  SH       SOLE                    31500
NEW YORK TIMES CO CL A         COM              650111107       25     700  SH       DEFINED                   700
NEWS CORPORATION CL B          COM              65248E203     1119   64800  SH       SOLE                    64800
NISOURCE INC                   COM              65473P105      784   34100  SH       SOLE                    34100
NISOURCE INC                   COM              65473P105        9     400  SH       DEFINED                   400
NOKIA CORP                     COM              654902204     2236  146345  SH       SOLE                   146345
NOKIA CORP                     COM              654902204      235   15400  SH       DEFINED                  9600              5800
NORDSTROM INC                  COM              655664100      500    9200  SH       SOLE                     6900              2300


                                     Page 12



                                                                                                       
NORDSTROM INC                  COM              655664100       54    1000  SH       DEFINED                  1000
NORFOLK SOUTHERN CORP          COM              655844108       40    1089  SH       SOLE                     1089
NORFOLK SOUTHERN CORP          COM              655844108      189    5100  SH       DEFINED                  5100
NORTHFORK BANCORP              COM              659424105     1496   54000  SH       SOLE                    54000
NORTHFORK BANCORP              COM              659424105      261    9450  SH       DEFINED                  9450
OMNICOM GROUP INC              COM              681919106      659    7550  SH       SOLE                     7550
OMNICOM GROUP INC              COM              681919106      515    5900  SH       DEFINED                  5900
ORACLE CORP                    COM              68389X105     3018  237850  SH       SOLE                   237850
ORACLE CORP                    COM              68389X105      114    9000  SH       DEFINED                  9000
OPTIMUMBANK HOLDINGS INC       COM              68401P106      149   14000  SH       SOLE                    14000
OVERSEAS SHIPHOLDING GROUP, IN COM              690368105      234    3700  SH       SOLE                     2500              1200
POSCO                          COM              693483109      726   15000  SH       SOLE                    15000
PPG INDUSTRIES INC             COM              693506107     2718   38350  SH       SOLE                    37650               700
PPG INDUSTRIES INC             COM              693506107       70    1000  SH       DEFINED                  1000
PACIFIC CAPITAL BANCORP (NEW)  COM              69404P101     8446  286128  SH       SOLE                   286128
PACIFIC CAPITAL BANCORP (NEW)  COM              69404P101     7600  257469  SH       DEFINED                257469
PATTERSON COMPANIES INC        COM              703395103     3310   65975  SH       SOLE                    65975
PATTERSON COMPANIES INC        COM              703395103      178    3550  SH       DEFINED                  3550
PENNEY (J.C.) CO INC           COM              708160106      513   10500  SH       SOLE                    10500
PENNEY (J.C.) CO INC           COM              708160106        4     100  SH       DEFINED                   100
PEPSICO INC                    COM              713448108     4746   89991  SH       SOLE                    55991             34000
PEPSICO INC                    COM              713448108     2346   44500  SH       DEFINED                 23800             20700
PETROLEO BRASILEIRO SA PETRO   COM              71654V408     2280   51100  SH       SOLE                    50100              1000
PETROLEUM DEVELOPMENT CORPORAT COM              716578109      905   25200  SH       SOLE                    25200
PFIZER INC                     COM              717081103    10699  412622  SH       SOLE                   365422             47200
PFIZER INC                     COM              717081103     3932  151665  SH       DEFINED                119715             31950
PITNEY-BOWES INC               COM              724479100      513   11325  SH       SOLE                     6525              4800
PITNEY-BOWES INC               COM              724479100       58    1300  SH       DEFINED                  1300
PLUM CREEK TIMBER CO INC       COM              729251108      266    7500  SH       SOLE                     7500
PLUM CREEK TIMBER CO INC       COM              729251108       85    2400  SH       DEFINED                  2400
PROCTER & GAMBLE CO            COM              742718109     7927  147074  SH       SOLE                   134274             12800
PROCTER & GAMBLE CO            COM              742718109     5047   93650  SH       DEFINED                 84450              9200


                                     Page 13



                                                                                                       
PROVIDIAN FINANCIAL CORP       COM              74406A102      343   20000  SH       SOLE                    20000
QUALCOMM INC                   COM              747525103     2448   67850  SH       SOLE                    67850
QUALCOMM INC                   COM              747525103      182    5050  SH       DEFINED                  5050
QUANTUM CORP DSSG              COM              747906204      113   39473  SH       SOLE                    39473
QUEST DIAGNOSTICS INC          COM              74834L100     2960   28440  SH       SOLE                    27640               800
QUEST DIAGNOSTICS INC          COM              74834L100     1087   10450  SH       DEFINED                  9850               600
QUIKSILVER INC                 COM              74838C106      282    9775  SH       DEFINED                  9475               300
RAYTHEON COMPANY               COM              755111507      339    8700  SH       SOLE                     4800              3900
RAYTHEON COMPANY               COM              755111507       19     500  SH       DEFINED                   500
ROYAL DUTCH PETE CO            COM              780257804     6035  100994  SH       SOLE                    59394             41600
ROYAL DUTCH PETE CO            COM              780257804     2886   48300  SH       DEFINED                 18700             29600
RYDEX S & P EQUAL WEIGHT ETF   COM              78355W106      941    6210  SH       SOLE                     6210
RYDEX S & P EQUAL WEIGHT ETF   COM              78355W106      155    1025  SH       DEFINED                  1025
SBC COMMUNICATIONS INC         COM              78387G103     2035   85148  SH       SOLE                    84148              1000
SBC COMMUNICATIONS INC         COM              78387G103      397   16615  SH       DEFINED                 16615
SLM CORPORATION                COM              78442P106      636   12765  SH       SOLE                    12765
STANDARD & POORS               COM              78462F103     4160   35366  SH       SOLE                    35366
STANDARD & POORS               COM              78462F103      591    5025  SH       DEFINED                  5025
SANTA MARIA VALLEY RR CO       COM              802351999    11851    1500  SH       DEFINED                  1500
SARA LEE CORPORATION           COM              803111103     1082   48977  SH       SOLE                    47977              1000
SARA LEE CORPORATION           COM              803111103      238   10791  SH       DEFINED                 10791
SCHERING-PLOUGH CORPORATION    COM              806605101      343   19090  SH       SOLE                    19090
SCHERING-PLOUGH CORPORATION    COM              806605101      603   33550  SH       DEFINED                 33550
SCHLUMBERGER LIMITED           COM              806857108     4563   63823  SH       SOLE                    63823
SCHLUMBERGER LIMITED           COM              806857108      750   10494  SH       DEFINED                 10494
SCHWAB CHARLES CORP NEW        COM              808513105      258   24725  SH       DEFINED                 24725
SEMPRA ENERGY                  COM              816851109      283    7080  SH       SOLE                     6554               526
SEMPRA ENERGY                  COM              816851109      213    5336  SH       DEFINED                  5336
SILICON VALLEY BANC            COM              827064106     4461  102275  SH       SOLE                   102275
SILICON VALLEY BANC            COM              827064106      157    3600  SH       DEFINED                  3600
SONY CORP                      COM              835699307      557   14200  SH       SOLE                    14200


                                     Page 14



                                                                                                       
SONY CORP                      COM              835699307       47    1200  SH       DEFINED                   200              1000
SOUTHERN CO                    COM              842587107     1014   31750  SH       SOLE                    31750
SOUTHERN CO                    COM              842587107      226    7100  SH       DEFINED                  7100
SOUTHWESTERN ENERGY CO         COM              845467109      590    9925  SH       SOLE                     9925
SOUTHWESTERN ENERGY CO         COM              845467109       23     400  SH       DEFINED                   400
SPRINT CORPORATION (FON)       COM              852061100      219    9518  SH       SOLE                     9518
SPRINT CORPORATION (FON)       COM              852061100        1      70  SH       DEFINED                    70
STATE STREET CORP              COM              857477103      255    5930  SH       SOLE                     5930
STRYKER CORP                   COM              863667101     6548  148200  SH       SOLE                   148200
STRYKER CORP                   COM              863667101      592   13400  SH       DEFINED                 13400
SUN MICROSYSTEMS INC           COM              866810104      171   42695  SH       SOLE                    42695
SUN MICROSYSTEMS INC           COM              866810104       59   14800  SH       DEFINED                 14800
SUNGARD DATA SYSTEMS INC       COM              867363103      704   20400  SH       SOLE                    20400
SUNGARD DATA SYSTEMS INC       COM              867363103      379   11000  SH       DEFINED                 11000
SUNTRUST BANKS INC             COM              867914103       93    1300  SH       SOLE                     1300
SUNTRUST BANKS INC             COM              867914103      523    7303  SH       DEFINED                  1800              5503
SYMANTEC                       COM              871503108      512   24150  SH       SOLE                    24150
SYMANTEC                       COM              871503108      135    6400  SH       DEFINED                  6400
SYSCO CORP                     COM              871829107     2177   61355  SH       SOLE                    59955              1400
SYSCO CORP                     COM              871829107      305    8600  SH       DEFINED                  7600              1000
TEPPCO PARTNERS L.P.           COM              872384102      493   11500  SH       SOLE                    11500
TEPPCO PARTNERS L.P.           COM              872384102       77    1800  SH       DEFINED                  1800
TARGET CORPORATION             COM              87612E106     1302   26175  SH       SOLE                    26175
TARGET CORPORATION             COM              87612E106      374    7530  SH       DEFINED                  7530
TELECOM CORP NEW ZEALAND LTD   COM              879278208      942   27550  SH       SOLE                    25950              1600
TELECOM CORP NEW ZEALAND LTD   COM              879278208       47    1400  SH       DEFINED                  1400
TELEFONOS DE MEXICO S A CV SER COM              879403780     1822   53300  SH       SOLE                    52300              1000
TENET HEALTHCARE CORP          COM              88033G100      686   59200  SH       SOLE                    59200
TEVA PHARMACY INDS             COM              881624209     1650   52300  SH       SOLE                     9100             43200
TEVA PHARMACY INDS             COM              881624209     1154   36600  SH       DEFINED                                   36600
TEXAS INSTRUMENTS              COM              882508104      761   30650  SH       SOLE                    30650
TEXAS INSTRUMENTS              COM              882508104      114    4600  SH       DEFINED                  4600


                                     Page 15



                                                                                                        
3M COMPANY                     COM              88579Y101     8644  102065  SH       SOLE                    94465              7600
3M COMPANY                     COM              88579Y101     2515   29698  SH       DEFINED                 23098              6600
TIME WARNER INC                COM              887317105      153    8800  SH       SOLE                     8800
TIME WARNER INC                COM              887317105       34    2000  SH       DEFINED                  2000
TOTAL S.A.                     COM              89151E109     1262   10770  SH       SOLE                    10770
TOYOTA MTR LTD                 COM              892331307     4398   59300  SH       SOLE                    56800              2500
TOYOTA MTR LTD                 COM              892331307      203    2750  SH       DEFINED                  2750
US BANCORP DEL                 COM              902973304      471   16540  SH       SOLE                    15740               800
US BANCORP DEL                 COM              902973304       71    2500  SH       DEFINED                  2500
UNION PACIFIC CORP             COM              907818108      167    2421  SH       SOLE                     2421
UNION PACIFIC CORP             COM              907818108      374    5408  SH       DEFINED                  1408              4000
UNITED FIRE & CASUALTY         COM              910331107      207    6100  SH       SOLE                     6100
UNITED PARCEL SERVICE          COM              911312106      441    6100  SH       SOLE                     6100
UNITED TECHNOLOGIES CORP       COM              913017109     3021   30262  SH       SOLE                    29462               800
UNITED TECHNOLOGIES CORP       COM              913017109      798    8000  SH       DEFINED                  3200              4800
UNITEDHEALTH GROUP INC         COM              91324P102      394    4090  SH       SOLE                     2590              1500
UNITEDHEALTH GROUP INC         COM              91324P102     3522   36500  SH       DEFINED                 35700               800
URBAN OUTFITTERS INC           COM              917047102      314    6660  SH       SOLE                     6660
URBAN OUTFITTERS INC           COM              917047102     2001   42400  SH       DEFINED                 40400              2000
V F CORP                       COM              918204108      588   10112  SH       SOLE                     5912              4200
VALERO ENERGY CORP             COM              91913Y100       15     200  SH       SOLE                      200
VALERO ENERGY CORP             COM              91913Y100     1157   15100  SH       DEFINED                 14800               300
VARIAN MEDICAL SYSTEMS INC     COM              92220P105      258    7800  SH       SOLE                     7800
VERIZON COMMUNICATIONS         COM              92343V104     2129   59729  SH       SOLE                    59729
VERIZON COMMUNICATIONS         COM              92343V104      739   20756  SH       DEFINED                 20756
VIACOM INC                     COM              925524308     3679  104600  SH       SOLE                   104600
VIACOM INC                     COM              925524308       21     600  SH       DEFINED                   600
VODAFONE GROUP PLC             COM              92857W100      968   36600  SH       SOLE                    36600
VODAFONE GROUP PLC             COM              92857W100      110    4182  SH       DEFINED                  4182
WPP GROUP PLC                  COM              929309300     2487   43800  SH       SOLE                    43800
WPP GROUP PLC                  COM              929309300      193    3400  SH       DEFINED                  3400


                                     Page 16



                                                                                                      
WACHOVIA CORP 2ND NEW COM      COM              929903102      815   16098  SH       SOLE                    10104              5994
WACHOVIA CORP 2ND NEW COM      COM              929903102      541   10700  SH       DEFINED                 10700
WAL MART STORES INC            COM              931142103     3947   79884  SH       SOLE                    79484               400
WAL MART STORES INC            COM              931142103      746   15100  SH       DEFINED                 15100
WALGREEN CO                    COM              931422109      925   20890  SH       SOLE                    20890
WALGREEN CO                    COM              931422109      160    3624  SH       DEFINED                  3624
WASHINGTON MUTUAL INC          COM              939322103     3645   93712  SH       SOLE                    83210             10502
WASHINGTON MUTUAL INC          COM              939322103      169    4360  SH       DEFINED                  4360
WELLPOINT INC COM              COM              94973V107     1311   10350  SH       SOLE                     3350              7000
WELLPOINT INC COM              COM              94973V107     1241    9800  SH       DEFINED                  6300              3500
WELLS FARGO & CO (NEW)         COM              949746101    52205  872412  SH       SOLE                   403322            469090
WELLS FARGO & CO (NEW)         COM              949746101     2115   35360  SH       DEFINED                  6500             28860
WHOLE FOOD MARKET INC          COM              966837106     2166   21675  SH       SOLE                    21675
WHOLE FOOD MARKET INC          COM              966837106       99    1000  SH       DEFINED                  1000
WILLIAMS-SONOMA INC            COM              969904101     1197   33300  SH       SOLE                    33300
WILLIAMS-SONOMA INC            COM              969904101      136    3800  SH       DEFINED                  3800
WRIGLEY WM JR CO               COM              982526105     1442   22140  SH       SOLE                    21140              1000
WRIGLEY WM JR CO               COM              982526105      374    5750  SH       DEFINED                  5750
WYETH                          COM              983024100     1949   46528  SH       SOLE                    46528
WYETH                          COM              983024100     1350   32222  SH       DEFINED                 32222
XEROX CORP                     COM              984121103       47    3100  SH       SOLE                     3100
XEROX CORP                     COM              984121103      323   21200  SH       DEFINED                 19000              2200
ZIMMER HOLDINGS INC            COM              98956P102     2077   27858  SH       SOLE                     9758             18100
ZIMMER HOLDINGS INC            COM              98956P102     1169   15680  SH       DEFINED                   640             15040
ZIONS BANCORP                  COM              989701107      251    3650  SH       DEFINED                  3650


                                     Page 17