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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M COM 88579y101   590,131 5,896 SH   SOLE   2,120 0 3,776
AMN Healthcare Svcs. COM 001744101   1,145,760 10,500 SH   SOLE   0 0 10,500
AT&T COM 030177109   175,131 10,980 SH   SOLE   0 0 10,980
Abbott Laboratories COM 002824100   3,353,019 30,756 SH   SOLE   182 0 30,574
Abbvie COM 00287Y109   4,665,969 34,632 SH   SOLE   0 0 34,632
Aecon Group COM 00762v109   93,100 10,000 SH   SOLE   0 0 10,000
Alphabet Class A COM 02079k305   222,642 1,860 SH   SOLE   0 0 1,860
Alphabet Class A COM 02079k305   59,850 500 SH   OTR 2 0 0 500
Alphabet Class C COM 02079k107   2,785,939 23,030 SH   SOLE   0 0 23,030
Alphabet Class C COM 02079k107   416,137 3,440 SH   OTR 2 0 0 3,440
Amazon COM 023135106   2,639,920 20,251 SH   SOLE   0 0 20,251
Amazon COM 023135106   78,216 600 SH   OTR 2 0 0 600
American Express COM 025816109   2,692,435 15,456 SH   SOLE   0 0 15,456
American Water Works COM 030420103   771,564 5,405 SH   SOLE   0 0 5,405
Ameriprise Financial COM 03076C106   797,184 2,400 SH   SOLE   0 0 2,400
Amgen COM 031162100   1,250,417 5,632 SH   SOLE   600 0 5,032
Anheuser-Busch COM 03524a108   480,021 8,463 SH   SOLE   0 0 8,463
Apollo Global Mgmt. LLC COM 037612306   245,178 3,192 SH   SOLE   0 0 3,192
Apple COM 037833100   7,377,455 38,034 SH   SOLE   2,200 0 35,834
Apple COM 037833100   815,644 4,205 SH   OTR 2 0 0 4,205
Applied Materials COM 038222105   2,781,239 19,242 SH   SOLE   0 0 19,242
Bank America COM 060505104   217,212 7,571 SH   SOLE   0 0 7,571
Bank of New York Mellon COM 064058100   579,650 13,020 SH   SOLE   7,392 0 5,628
Becton Dickinson COM 075887109   1,627,358 6,164 SH   SOLE   0 0 6,164
Boeing COM 097023105   316,740 1,500 SH   SOLE   0 0 1,500
Bristol-Myers Squibb COM 110122108   4,437,235 69,386 SH   SOLE   7,466 0 61,920
Bristol-Myers Squibb COM 110122108   412,158 6,445 SH   OTR 2 0 0 6,445
CMS Energy COM 125896100   902,870 15,368 SH   SOLE   0 0 15,368
CVS/Caremark COM 126650100   1,089,143 15,755 SH   SOLE   0 0 15,755
Caterpillar COM 149123101   223,413 908 SH   SOLE   0 0 908
Chevron COM 166764100   2,596,590 16,502 SH   SOLE   716 0 15,786
Chevron COM 166764100   362,849 2,306 SH   OTR 2 0 0 2,306
Cigna COM 125509109   359,729 1,282 SH   SOLE   0 0 1,282
Cisco Systems COM 17275R952   460,486 8,900 SH   SOLE   0 0 8,900
Cisco Systems COM 17275R952   54,844 1,060 SH   OTR 2 0 0 1,060
Clorox COM 189054109   2,877,988 18,096 SH   SOLE   2,320 0 15,776
Coca-Cola COM 191216100   522,830 8,682 SH   SOLE   0 0 8,682
Corteva COM 22052l104   729,830 12,737 SH   SOLE   0 0 12,737
D R Horton COM 23331A109   2,619,377 21,525 SH   SOLE   0 0 21,525
Dell COM 24703l103   1,352,750 25,000 SH   SOLE   0 0 25,000
Diodes COM 254543101   2,222,997 24,035 SH   SOLE   0 0 24,035
Discover Financial Services COM 254709108   411,312 3,520 SH   SOLE   0 0 3,520
Disney COM 254687106   2,390,740 26,778 SH   SOLE   1,500 0 25,278
Dolby Class A COM 25659T107   928,011 11,090 SH   SOLE   0 0 11,090
Dover Corp. COM 260003108   2,542,681 17,221 SH   SOLE   0 0 17,221
Dow COM 260557103   853,811 16,031 SH   SOLE   2,958 0 13,073
Du Pont (E.I) de Nemours COM 26614N102   1,665,481 23,313 SH   SOLE   2,958 0 20,355
Eli Lilly COM 532457108   623,743 1,330 SH   SOLE   0 0 1,330
Emerson Electric COM 291011104   1,030,717 11,403 SH   SOLE   3,200 0 8,203
Emerson Electric COM 291011104   282,288 3,123 SH   OTR 2 0 0 3,123
Equifax COM 294429105   332,479 1,413 SH   OTR 2 0 0 1,413
Exxon Mobil COM 30231G102   5,357,352 49,952 SH   SOLE   6,675 0 43,277
Exxon Mobil COM 30231G102   462,033 4,308 SH   OTR 2 0 0 4,308
FedEx COM 31428x106   745,931 3,009 SH   SOLE   0 0 3,009
First American Financial COM 31847r102   243,761 4,275 SH   SOLE   0 0 4,275
GE Healthcare COM 36266g107   211,793 2,607 SH   SOLE   75 0 2,532
GE Healthcare COM 36266g107   11,455 141 SH   OTR 2 0 0 141
General Electric COM 369604301   861,125 7,839 SH   SOLE   225 0 7,614
General Electric COM 369604301   82,168 748 SH   OTR 2 0 0 748
Goldman Sachs COM 38141G104   669,271 2,075 SH   SOLE   0 0 2,075
Home Depot COM 437076102   3,179,400 10,235 SH   SOLE   700 0 9,535
Hubbell COM 443510607   1,621,328 4,890 SH   SOLE   0 0 4,890
Humana COM 444859102   2,148,013 4,804 SH   SOLE   0 0 4,804
Huntington Bancshares COM 446150104   1,168,088 108,357 SH   SOLE   0 0 108,357
Huntington Ingalls Ind. COM 446413106   1,575,447 6,922 SH   SOLE   0 0 6,922
Icon PLC COM G4705A100   2,277,070 9,101 SH   SOLE   0 0 9,101
Intel COM 458140100   2,087,392 62,422 SH   SOLE   2,800 0 59,622
Intel COM 458140100   50,160 1,500 SH   OTR 2 0 0 1,500
International Business Machine COM 459200101   2,700,286 20,180 SH   SOLE   1,610 0 18,570
Intuit COM 461202103   828,870 1,809 SH   SOLE   0 0 1,809
JPMorgan Chase COM 46625h100   9,175,228 63,086 SH   SOLE   1,224 0 61,862
JPMorgan Chase COM 46625h100   1,148,685 7,898 SH   OTR 2 0 0 7,898
Jacobs Solutions COM 46982L108   826,286 6,950 SH   SOLE   0 0 6,950
Johnson & Johnson COM 478160104   15,499,458 93,641 SH   SOLE   6,471 0 87,170
Johnson & Johnson COM 478160104   668,701 4,040 SH   OTR 2 0 0 4,040
Kimberly Clark COM 494368103   13,806 100 SH   SOLE   0 0 100
Kimberly Clark COM 494368103   340,042 2,463 SH   OTR 2 0 0 2,463
Kroger COM 501044101   1,671,132 35,556 SH   SOLE   0 0 35,556
Laboratory Corp. of America COM 50540r409   1,795,254 7,439 SH   SOLE   0 0 7,439
Lear Corp. COM 521865204   961,785 6,700 SH   SOLE   0 0 6,700
Lowes COM 548661107   1,367,968 6,061 SH   SOLE   0 0 6,061
Marriott Vacations Worldwide COM 57164Y107   980,287 7,988 SH   SOLE   0 0 7,988
Masco Corp. COM 574599106   647,189 11,279 SH   SOLE   0 0 11,279
Match Group COM 57665r106   271,858 6,496 SH   SOLE   0 0 6,496
McCormick COM 579780206   1,593,343 18,266 SH   SOLE   9,600 0 8,666
McDonald's Corp. COM 580135101   2,299,547 7,706 SH   SOLE   1,707 0 5,999
Merck COM 58933y105   3,521,010 30,514 SH   SOLE   2,548 0 27,966
Merck COM 58933y105   535,871 4,644 SH   OTR 2 0 0 4,644
Microsoft COM 594918104   6,307,822 18,523 SH   SOLE   800 0 17,723
Microsoft COM 594918104   414,778 1,218 SH   OTR 2 0 0 1,218
Mondelez COM 609207105   289,645 3,971 SH   SOLE   0 0 3,971
Moody's Corp. COM 615369105   328,943 946 SH   SOLE   0 0 946
Nasdaq COM 631103108   1,346,698 27,015 SH   SOLE   0 0 27,015
Nestle ADR COM 641069406   5,058,216 42,057 SH   SOLE   5,000 0 37,057
Newmont Mining Corp. COM 651639106   1,420,194 33,291 SH   SOLE   0 0 33,291
Norfolk Southern COM 655844108   416,785 1,838 SH   OTR 2 0 0 1,838
Nvidia Corp. COM 67066G104   2,478,897 5,860 SH   SOLE   0 0 5,860
Old Republic COM 680223104   679,590 27,000 SH   SOLE   0 0 27,000
Packaging Corp. COM 695156109   242,514 1,835 SH   SOLE   0 0 1,835
Paychex COM 704326107   265,691 2,375 SH   SOLE   0 0 2,375
PepsiCo COM 713448108   4,127,628 22,285 SH   SOLE   94 0 22,191
PepsiCo COM 713448108   727,729 3,929 SH   OTR 2 0 0 3,929
Pfizer COM 717081103   4,713,380 128,500 SH   SOLE   17,446 0 111,054
Pfizer COM 717081103   204,491 5,575 SH   OTR 2 0 0 5,575
Procter & Gamble COM 742718109   5,047,631 33,265 SH   SOLE   2,437 0 30,828
Procter & Gamble COM 742718109   685,410 4,517 SH   OTR 2 0 0 4,517
Quaker Houghton COM 747316107   243,625 1,250 SH   SOLE   0 0 1,250
Qualcomm COM 747525103   916,727 7,701 SH   SOLE   600 0 7,101
Quanta Services COM 74762E102   3,151,451 16,042 SH   SOLE   0 0 16,042
Raytheon Technologies COM 75513e101   268,312 2,739 SH   SOLE   0 0 2,739
Reliance Steel & Aluminum COM 759509102   2,656,422 9,781 SH   SOLE   0 0 9,781
Rockwell Automation COM 773903109   1,639,014 4,975 SH   SOLE   0 0 4,975
S&P Global COM 78409V104   3,117,722 7,777 SH   SOLE   500 0 7,277
Schlumberger COM 806857108   285,338 5,809 SH   SOLE   600 0 5,209
Schlumberger COM 806857108   167,745 3,415 SH   OTR 2 0 0 3,415
Schwab, Charles COM 808513105   2,524,924 44,547 SH   SOLE   0 0 44,547
Synopsys COM 871607107   2,159,634 4,960 SH   SOLE   0 0 4,960
Target COM 87612E106   321,440 2,437 SH   SOLE   0 0 2,437
Teledyne Technologies COM 879360106   275,855 671 SH   SOLE   0 0 671
Travelers COM 89417E109   229,579 1,322 SH   SOLE   0 0 1,322
Truist Financial COM 89832q109   1,064,344 35,069 SH   SOLE   0 0 35,069
Union Pacific COM 907818108   998,341 4,879 SH   SOLE   400 0 4,479
Union Pacific COM 907818108   329,643 1,611 SH   OTR 2 0 0 1,611
United Health Group COM 91324P102   1,650,518 3,434 SH   SOLE   0 0 3,434
United Parcel Service 'B' COM 911312106   856,815 4,780 SH   SOLE   300 0 4,480
United Rentals COM 911363109   2,130,205 4,783 SH   SOLE   0 0 4,783
VMware COM 928563402   1,582,745 11,015 SH   SOLE   0 0 11,015
Verizon Communications COM 92343v104   1,151,068 30,951 SH   SOLE   1,700 0 29,251
Viatris COM 92556v106   150,429 15,073 SH   SOLE   2,164 0 12,909
Wal-Mart Stores COM 931142103   2,049,470 13,039 SH   SOLE   0 0 13,039
Waste Management COM 94106L109   2,685,062 15,483 SH   SOLE   0 0 15,483
Westlake Chemical Corp. COM 960413102   801,763 6,711 SH   SOLE   0 0 6,711
Wyndham Hotels & Resorts COM 98311a105   507,967 7,408 SH   SOLE   0 0 7,408
Yum! Brands COM 988498101   435,740 3,145 SH   SOLE   0 0 3,145
Zimmer Biomet COM 98956p102   848,848 5,830 SH   SOLE   1,255 0 4,575
Zimmer Biomet COM 98956p102   222,331 1,527 SH   OTR 2 0 0 1,527
Zoetis COM 98978v103   1,885,700 10,950 SH   SOLE   0 0 10,950
Hoya Capital High Dividend Yie COM 26922b840   414,938 39,669 SH   SOLE   10,000 0 29,669
Hoya Capital Housing COM 26922a230   7,242,470 186,942 SH   SOLE   68,752 0 118,190
Ishares Russell Midcap Index COM 464287499   211,787 2,900 SH   SOLE   0 0 2,900
Digital Realty Trust COM 253868103   222,047 1,950 SH   SOLE   50 0 1,900
Kite Realty Group COM 49803t300   586,425 26,250 SH   SOLE   0 0 26,250
Mid America Apartment Communit COM 59522J103   1,189,216 7,831 SH   SOLE   0 0 7,831
Sun Communities COM 866674104   420,081 3,220 SH   SOLE   0 0 3,220
Terreno Realty Corp. COM 88146m101   622,035 10,350 SH   SOLE   0 0 10,350