Kelly Lawrence W & Associates 13F-HR Quarterly holdings report by institutional manager

The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE

OMB APPROVAL

OMB Number:		3235-0006
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COLUMN 1	COLUMN 2	COLUMN 3	COLUMN 4	COLUMN 5			COLUMN 6	COLUMN 7	COLUMN 8
			VALUE	SHRS OR	SH/	PUT/	INVESTMENT	OTHER	VOTING AUTHORITY
NAME OF ISSUER	TITLE OF CLASS	CUSIP	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
AG Mortgage Inv Tr 8 Pfd Ser B	PRD	001228303	165	6,600	SH		SOLE		0	0	6,600
AG Mortgage Inv Tr 8 Pfd Ser B	PRD	001228303	135	5,400	SH		OTR		4,000	0	1,400
AG Mortgage Inv Tr 8.25 Pfd Se	PRD	001228204	43	1,700	SH		SOLE		0	0	1,700
AG Mortgage Inv Tr 8.25 Pfd Se	PRD	001228204	51	2,000	SH		OTR		0	0	2,000
AGNC Invt Corp 6.5 Pfd Ser E	PRD	00123Q807	387	15,000	SH		SOLE		15,000	0	0
AT&T 5.00 Perp Pfd Ser A	PRD	00206R508	204	7,500	SH		SOLE		7,500	0	0
Capital One Finl Corp DP Shs P	PRD	14040H824	32	1,200	SH		OTR		1,200	0	0
Capital One Finl Pfd Ser H	PRD	14040H840	44	1,700	SH		OTR		0	0	1,700
Energy Transfer LP 7.625 Pfd U	PRD	29273V506	63	2,500	SH		SOLE		0	0	2,500
Energy Transfer LP 7.625 Pfd U	PRD	29273V506	39	1,550	SH		OTR		1,550	0	0
Ford Mtr 6.20 Pfd Due 06/01/20	PRD	345370845	205	7,500	SH		SOLE		7,500	0	0
New Residential Inv Cp 7.125 C	PRD	64828T409	1,183	46,400	SH		SOLE		27,500	0	18,900
New Residential Inv Cp 7.125 C	PRD	64828T409	273	10,700	SH		OTR		7,200	0	3,500
Pennymac Mtg Invt Tr Pfd Ser A	PRD	70931T301	105	4,000	SH		OTR		4,000	0	0
Ready Capital Corp 7.625 Pfd S	PRD	75574U804	187	7,500	SH		SOLE		5,000	0	2,500
Ready Capital Corp 7.625 Pfd S	PRD	75574U804	139	5,550	SH		OTR		5,550	0	0
Wells Fargo & Co New Perp Pfd	PRD	949746804	1,288	845	SH		SOLE		575	0	270
Wells Fargo & Co New Perp Pfd	PRD	949746804	503	330	SH		OTR		110	0	220
3M Co.	COM	88579Y101	163	820	SH		SOLE		470	0	350
3M Co.	COM	88579Y101	263	1,323	SH		OTR		324	0	999
AFLAC Inc.	COM	001055102	3,411	63,575	SH		SOLE		54,987	0	8,588
AFLAC Inc.	COM	001055102	140	2,600	SH		OTR		0	0	2,600
AT&T Inc	COM	00206R102	661	22,961	SH		SOLE		11,225	0	11,736
AT&T Inc	COM	00206R102	29	1,000	SH		OTR		0	0	1,000
AbbVie Inc.	COM	00287Y109	1,058	9,395	SH		SOLE		7,235	0	2,160
AbbVie Inc.	COM	00287Y109	580	5,150	SH		OTR		250	0	4,900
Abbott Labs	COM	002824100	192	1,660	SH		SOLE		0	0	1,660
Abbott Labs	COM	002824100	510	4,400	SH		OTR		0	0	4,400
Adobe Sys Inc Com	COM	00724F101	73	124	SH		SOLE		124	0	0
Adobe Sys Inc Com	COM	00724F101	146	250	SH		OTR		0	0	250
Advanced Micro Devices Com	COM	007903107	16,884	179,755	SH		SOLE		133,030	0	46,725
Advanced Micro Devices Com	COM	007903107	815	8,675	SH		OTR		275	0	8,400
Air Prod & Chemicals	COM	009158106	29	100	SH		OTR		0	0	100
Albemarle Corp.	COM	012653101	14,946	88,723	SH		SOLE		60,108	0	28,615
Albemarle Corp.	COM	012653101	1,902	11,288	SH		OTR		6,888	0	4,400
Alphabet Inc Cap Stk Cl A	COM	02079K305	22,911	9,383	SH		SOLE		6,813	0	2,570
Alphabet Inc Cap Stk Cl A	COM	02079K305	2,036	834	SH		OTR		189	0	645
Alphabet Inc Cap Stk Cl C	COM	02079K107	6,577	2,624	SH		SOLE		2,206	0	418
Alphabet Inc Cap Stk Cl C	COM	02079K107	481	192	SH		OTR		114	0	78
Amazon Com Inc Com	COM	023135106	372	108	SH		SOLE		8	0	100
Amer States Water Co	COM	029899101	221	2,780	SH		OTR		0	0	2,780
American Tower Corp NE Com	COM	03027X100	10,349	38,310	SH		SOLE		23,615	0	14,695
American Tower Corp NE Com	COM	03027X100	1,695	6,275	SH		OTR		1,525	0	4,750
Amgen, Inc. Com	COM	031162100	726	2,980	SH		SOLE		2,980	0	0
Amgen, Inc. Com	COM	031162100	71	290	SH		OTR		90	0	200
Anheuser Busch Inbev S Sponsor	COM	03524A108	65	900	SH		SOLE		0	0	900
Apache Corp	COM	037411105	1	60	SH		SOLE		60	0	0
Apple, Inc.	COM	037833100	29,434	214,912	SH		SOLE		159,751	0	55,161
Apple, Inc.	COM	037833100	3,228	23,568	SH		OTR		5,692	0	17,876
Applied Materials Inc.	COM	038222105	6,006	42,175	SH		SOLE		32,475	0	9,700
Applied Materials Inc.	COM	038222105	601	4,220	SH		OTR		200	0	4,020
Avery Dennison Corp.	COM	053611109	589	2,800	SH		SOLE		1,800	0	1,000
BP PLC Spons ADR	COM	055622104	91	3,432	SH		SOLE		2,200	0	1,232
BP PLC Spons ADR	COM	055622104	64	2,414	SH		OTR		0	0	2,414
Bank of New York Mellon	COM	064058100	20	400	SH		OTR		0	0	400
Baxter Intl Inc	COM	071813109	59	735	SH		SOLE		0	0	735
Berkshire Hathaway Cl B	COM	084670207	498	1,792	SH		SOLE		1,792	0	0
Boeing Co.	COM	097023105	229	955	SH		SOLE		480	0	475
Broadridge Financial Solutions	COM	11133T103	14,285	88,438	SH		SOLE		65,098	0	23,340
Broadridge Financial Solutions	COM	11133T103	1,365	8,450	SH		OTR		3,250	0	5,200
CSX Corp	COM	126408103	63	1,950	SH		SOLE		1,950	0	0
California Wtr Svc Group	COM	130788102	139	2,500	SH		SOLE		0	0	2,500
Capital One Finl Corp	COM	14040H105	14,134	91,369	SH		SOLE		60,785	0	30,584
Capital One Finl Corp	COM	14040H105	1,261	8,152	SH		OTR		2,550	0	5,602
Cardinal Health Inc.	COM	14149Y108	5	93	SH		SOLE		93	0	0
Charles Schwab Corp (New)	COM	808513105	1,113	15,282	SH		SOLE		13,757	0	1,525
Charles Schwab Corp (New)	COM	808513105	146	2,011	SH		OTR		2,011	0	0
Chevron Corp	COM	166764100	624	5,953	SH		SOLE		4,228	0	1,725
Chevron Corp	COM	166764100	2,105	20,094	SH		OTR		2,852	0	17,242
Cisco Systems	COM	17275R102	5,444	102,710	SH		SOLE		79,910	0	22,800
Cisco Systems	COM	17275R102	417	7,875	SH		OTR		1,850	0	6,025
CitiGroup Inc	COM	172967424	71	1,000	SH		SOLE		1,000	0	0
Coca Cola Co	COM	191216100	359	6,630	SH		SOLE		2,300	0	4,330
Coca Cola Co	COM	191216100	11	200	SH		OTR		0	0	200
Comcast Corp New Cl A	COM	20030N101	86	1,500	SH		SOLE		0	0	1,500
Consolidated Edison Inc	COM	209115104	31	430	SH		SOLE		0	0	430
Constellation Brands Inc Cl A	COM	21036P108	40	170	SH		SOLE		0	0	170
Costco Wholesale	COM	22160K105	15,029	37,983	SH		SOLE		27,560	0	10,423
Costco Wholesale	COM	22160K105	1,278	3,231	SH		OTR		1,156	0	2,075
Danaher Corp Del COM	COM	235851102	16,854	62,803	SH		SOLE		42,358	0	20,445
Danaher Corp Del COM	COM	235851102	2,132	7,945	SH		OTR		2,220	0	5,725
Deere & Co	COM	244199105	22	63	SH		SOLE		63	0	0
Digital Rlty Tr Inc Com	COM	253868103	15	100	SH		SOLE		0	0	100
Disney Walt Co Del	COM	254687106	10,221	58,152	SH		SOLE		41,126	0	17,026
Disney Walt Co Del	COM	254687106	1,256	7,147	SH		OTR		1,981	0	5,166
Dow Inc	COM	260557103	963	15,223	SH		SOLE		14,740	0	483
Dow Inc	COM	260557103	182	2,882	SH		OTR		1,449	0	1,433
East West Bancorp Inc Com	COM	27579R104	15	213	SH		SOLE		213	0	0
Ecolab Inc Com	COM	278865100	124	600	SH		SOLE		0	0	600
Edwards Lifesciences Inc.	COM	28176E108	2,701	26,075	SH		SOLE		11,925	0	14,150
Electronic Arts Inc	COM	285512109	15	106	SH		SOLE		106	0	0
Enterprise Prods Prtn LP	COM	293792107	24	1,000	SH		SOLE		0	0	1,000
Etsy Inc Com	COM	29786A106	72	350	SH		SOLE		350	0	0
Exact Sciences Corp.	COM	30063P105	99	800	SH		SOLE		200	0	600
Exxon Mobil Corp	COM	30231G102	139	2,199	SH		SOLE		100	0	2,099
Exxon Mobil Corp	COM	30231G102	205	3,245	SH		OTR		1,884	0	1,361
Facebook Inc Cl A	COM	30303M102	35	100	SH		SOLE		100	0	0
Fiserv Inc Com	COM	337738108	11,224	105,007	SH		SOLE		73,072	0	31,935
Fiserv Inc Com	COM	337738108	1,486	13,900	SH		OTR		3,450	0	10,450
Franco Nevada Corp	COM	351858105	44	300	SH		SOLE		0	0	300
General Elec Co	COM	369604103	415	30,800	SH		SOLE		25,400	0	5,400
General Elec Co	COM	369604103	110	8,148	SH		OTR		0	0	8,148
Gilead Sciences Inc.	COM	375558103	1,011	14,680	SH		SOLE		9,100	0	5,580
Gilead Sciences Inc.	COM	375558103	117	1,700	SH		OTR		0	0	1,700
Goldman Sachs Group	COM	38141G104	76	200	SH		SOLE		200	0	0
Halliburton Co	COM	406216101	35	1,505	SH		SOLE		1,505	0	0
Hexcel Corp	COM	428291108	5,224	83,720	SH		SOLE		44,205	0	39,515
Hexcel Corp	COM	428291108	588	9,425	SH		OTR		775	0	8,650
Home Depot Inc	COM	437076102	12,489	39,164	SH		SOLE		27,964	0	11,200
Home Depot Inc	COM	437076102	1,594	5,000	SH		OTR		1,425	0	3,575
Hon Hai Precision Inds ORD	COM	Y36861105	4	1,000	SH		OTR		1,000	0	0
Honeywell Intl Inc	COM	438516106	64	290	SH		SOLE		290	0	0
Humana Inc. Com	COM	444859102	5,888	13,300	SH		SOLE		7,950	0	5,350
Humana Inc. Com	COM	444859102	1,193	2,695	SH		OTR		580	0	2,115
IHS Markit LTD	COM	G47567105	113	1,000	SH		SOLE		0	0	1,000
IQVIA Holdings Inc	COM	46266C105	15,610	64,421	SH		SOLE		44,023	0	20,398
IQVIA Holdings Inc	COM	46266C105	1,624	6,700	SH		OTR		350	0	6,350
Int'l Bus Mach	COM	459200101	132	900	SH		OTR		0	0	900
Intel Corp	COM	458140100	430	7,655	SH		SOLE		400	0	7,255
Intel Corp	COM	458140100	22	400	SH		OTR		0	0	400
Intercontinental Exchange Grou	COM	45866F104	12,864	108,371	SH		SOLE		77,536	0	30,835
Intercontinental Exchange Grou	COM	45866F104	1,805	15,210	SH		OTR		3,750	0	11,460
Intuitive Surgical Inc Com New	COM	46120E602	224	244	SH		SOLE		0	0	244
JPMorgan Chase & Co	COM	46625H100	1,726	11,095	SH		SOLE		9,095	0	2,000
JPMorgan Chase & Co	COM	46625H100	381	2,450	SH		OTR		150	0	2,300
Jazz Pharmaceuticals PLC	COM	G50871105	2	13	SH		OTR		0	0	13
Johnson & Johnson	COM	478160104	12,197	74,039	SH		SOLE		53,321	0	20,718
Johnson & Johnson	COM	478160104	1,311	7,957	SH		OTR		2,607	0	5,350
Kontoor Brands Inc	COM	50050N103	14	245	SH		SOLE		245	0	0
Kraft Heinz Co Comm	COM	500754106	80	1,950	SH		SOLE		250	0	1,700
Kraft Heinz Co Comm	COM	500754106	35	850	SH		OTR		850	0	0
Lowes Cos Inc Com	COM	548661107	95	488	SH		SOLE		0	0	488
Marsh & McLennan Cos Inc.	COM	571748102	127	900	SH		SOLE		0	0	900
Mastercard Inc Cl A	COM	57636Q104	37	100	SH		SOLE		100	0	0
McDonalds Corp	COM	580135101	416	1,800	SH		SOLE		1,800	0	0
McDonalds Corp	COM	580135101	98	425	SH		OTR		0	0	425
Merck & Co Inc	COM	58933Y105	7,942	102,118	SH		SOLE		76,598	0	25,520
Merck & Co Inc	COM	58933Y105	453	5,825	SH		OTR		300	0	5,525
Microsoft Corp	COM	594918104	1,696	6,260	SH		SOLE		3,126	0	3,134
Microsoft Corp	COM	594918104	605	2,233	SH		OTR		0	0	2,233
Nestle SA Spons ADR (For Reg)	COM	641069406	7,570	60,728	SH		SOLE		55,487	0	5,241
Nestle SA Spons ADR (For Reg)	COM	641069406	997	7,998	SH		OTR		2,675	0	5,323
New Residential Invt C Com New	COM	64828T201	25	2,400	SH		OTR		2,400	0	0
NextEra Energy Inc	COM	65339F101	205	2,800	SH		SOLE		0	0	2,800
NextEra Energy Inc	COM	65339F101	19	260	SH		OTR		260	0	0
Nike, Inc. Cl B	COM	654106103	19	125	SH		OTR		0	0	125
Norfolk Southern Corp	COM	655844108	212	800	SH		SOLE		0	0	800
OneOK Inc	COM	682680103	214	3,843	SH		OTR		3,843	0	0
Oracle Systems Corp	COM	68389X105	47	600	SH		SOLE		0	0	600
Organon & Co	COM	68622V106	308	10,170	SH		SOLE		7,651	0	2,519
Organon & Co	COM	68622V106	14	462	SH		OTR		30	0	432
Palo Alto Networks Inc. Com	COM	697435105	41	110	SH		SOLE		110	0	0
Panasonic Corp ADR (new)	COM	69832A205	5	465	SH		SOLE		465	0	0
PayPal Holdings Inc.	COM	70450Y103	24,299	83,365	SH		SOLE		59,052	0	24,313
PayPal Holdings Inc.	COM	70450Y103	2,951	10,125	SH		OTR		3,400	0	6,725
Pepsico Inc	COM	713448108	9,829	66,339	SH		SOLE		48,048	0	18,291
Pepsico Inc	COM	713448108	1,051	7,090	SH		OTR		1,265	0	5,825
Pfizer Inc	COM	717081103	209	5,328	SH		SOLE		4,328	0	1,000
Pfizer Inc	COM	717081103	624	15,930	SH		OTR		1,500	0	14,430
Pinterest Inc Cl A	COM	72352L106	100	1,270	SH		SOLE		1,200	0	70
Pioneer Nat Res Co	COM	723787107	16	100	SH		OTR		0	0	100
Procter & Gamble Co.	COM	742718109	2,124	15,742	SH		SOLE		7,274	0	8,468
Procter & Gamble Co.	COM	742718109	1,719	12,738	SH		OTR		600	0	12,138
Public Svc Enterprise	COM	744573106	56	944	SH		SOLE		0	0	944
Pulte Group Inc. Com	COM	745867101	27	500	SH		SOLE		500	0	0
Qualtrics Intl'l Cl A	COM	747601201	115	3,000	SH		SOLE		2,900	0	100
ReInsurance Group Amer	COM	759351604	8,529	74,815	SH		SOLE		49,900	0	24,915
ReInsurance Group Amer	COM	759351604	1,191	10,450	SH		OTR		2,600	0	7,850
Regeneron Pharmaceutical Com	COM	75886F107	215	385	SH		SOLE		0	0	385
Rio Tinto PLC Sponsored ADR	COM	767204100	8	100	SH		SOLE		0	0	100
Roper Technologies Inc	COM	776696106	14,832	31,543	SH		SOLE		22,420	0	9,123
Roper Technologies Inc	COM	776696106	1,681	3,575	SH		OTR		1,050	0	2,525
Ross Stores Inc.	COM	778296103	682	5,500	SH		SOLE		5,500	0	0
Royal Dutch Shell PLC Spons AD	COM	780259206	1,112	27,524	SH		SOLE		27,524	0	0
SPDR S&P 500 ETF Trust	COM	78462F103	99	231	SH		OTR		0	0	231
Salesforce.com Inc	COM	79466L302	2,713	11,105	SH		SOLE		4,370	0	6,735
Salesforce.com Inc	COM	79466L302	513	2,100	SH		OTR		0	0	2,100
Sanofi - ADR	COM	80105N105	4	75	SH		SOLE		75	0	0
Sanofi - ADR	COM	80105N105	16	300	SH		OTR		0	0	300
Schlumberger Ltd	COM	806857108	152	4,762	SH		SOLE		1,775	0	2,987
Sibanye-Stillwater LTD Spons A	COM	82575P107	76	4,547	SH		SOLE		0	0	4,547
Starbucks Corp	COM	855244109	45	400	SH		SOLE		400	0	0
State Street Corp	COM	857477103	103	1,250	SH		SOLE		0	0	1,250
State Street Corp	COM	857477103	37	450	SH		OTR		0	0	450
TC Energy Corp. Com	COM	87807B107	5	100	SH		SOLE		0	0	100
Take-Two Interactive S Com	COM	874054109	53	300	SH		SOLE		300	0	0
Teledyne Technologies	COM	879360105	8,016	19,139	SH		SOLE		11,877	0	7,262
Teledyne Technologies	COM	879360105	1,010	2,412	SH		OTR		1,040	0	1,372
Tesla Inc Com	COM	88160R101	129	190	SH		SOLE		0	0	190
Tredegar Corp.	COM	894650100	20	1,455	SH		SOLE		1,455	0	0
Twitter Inc Com	COM	90184L102	48	700	SH		SOLE		700	0	0
Union Pac Corp	COM	907818108	27	124	SH		SOLE		124	0	0
United Parcel Service Cl B	COM	911312106	34	165	SH		OTR		0	0	165
Unity Software Inc.	COM	91332U101	49	450	SH		SOLE		450	0	0
Universal Display Corp Com	COM	91347P105	111	500	SH		SOLE		0	0	500
Unum Group	COM	91529Y106	883	31,075	SH		SOLE		12,600	0	18,475
Unum Group	COM	91529Y106	304	10,700	SH		OTR		1,600	0	9,100
V F Corp	COM	918204108	137	1,675	SH		SOLE		1,675	0	0
Veolia Environment Sponsored A	COM	92334N103	11,352	375,840	SH		SOLE		262,945	0	112,895
Veolia Environment Sponsored A	COM	92334N103	1,454	48,150	SH		OTR		11,100	0	37,050
Verisign Inc. Com.	COM	92343E102	1,357	5,962	SH		SOLE		5,962	0	0
Verizon Communications	COM	92343V104	930	16,607	SH		SOLE		16,007	0	600
Verizon Communications	COM	92343V104	192	3,428	SH		OTR		1,450	0	1,978
Vertex Pharmaceuticals Com	COM	92532F100	187	928	SH		SOLE		637	0	291
Vertex Pharmaceuticals Com	COM	92532F100	242	1,200	SH		OTR		0	0	1,200
Viatris Inc	COM	92556V106	31	2,203	SH		SOLE		2,079	0	124
Viatris Inc	COM	92556V106	27	1,876	SH		OTR		186	0	1,690
Visa Inc Cl A	COM	92826C839	15,044	64,339	SH		SOLE		42,615	0	21,724
Visa Inc Cl A	COM	92826C839	2,132	9,116	SH		OTR		2,475	0	6,641
Walgreens Boots Alliance Inc	COM	931427108	14	265	SH		SOLE		0	0	265
Walgreens Boots Alliance Inc	COM	931427108	99	1,891	SH		OTR		0	0	1,891
Wisdomtree Tr India Erngs Fd	COM	97717W422	7	220	SH		SOLE		220	0	0
Woodward Inc	COM	980745103	2,991	24,340	SH		SOLE		7,255	0	17,085
Woodward Inc	COM	980745103	627	5,100	SH		OTR		3,000	0	2,100
Wynn Resorts LTD	COM	983134107	37	300	SH		SOLE		300	0	0
Zoetis Inc Cl A	COM	98978V103	9	47	SH		SOLE		47	0	0
Zoetis Inc Cl A	COM	98978V103	192	1,028	SH		OTR		0	0	1,028
Zoom Video Comm. Cl A	COM	98980L101	145	375	SH		OTR		0	0	375
iShares Core S&P MCP ETF	COM	464287507	161	600	SH		OTR		0	0	600
JG Boswell Co	PRIV EQS	101205102	3,302	4,077	SH		SOLE		4,077	0	0
ClearBridge Large Cap Growth F	EQ FDS	52469H826	232	3,460	SH		SOLE		0	0	3,460
Clearbridge Energy MLP Opportu	EQ FDS	18469P100	10	414	SH		OTR		414	0	0
Fidelity Diversified Internati	EQ FDS	315910802	266	5,236	SH		OTR		0	0	5,236
Harding Loevner Instl Emerg Mk	EQ FDS	412295701	117	4,270	SH		OTR		0	0	4,270
JPMorgan Emerging Markets Equi	EQ FDS	4812A0631	111	2,435	SH		OTR		0	0	2,435
JPMorgan US Equity L	EQ FDS	4812A1142	225	10,382	SH		OTR		0	0	10,382