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
3M COM 88579y101 1,029 5,830 SH   SOLE   2,120 0 3,710
AMN Healthcare Svcs. COM 001744101 443 7,115 SH   SOLE   0 0 7,115
AT&T COM 030177109 596 15,254 SH   SOLE   0 0 15,254
Abbott Laboratories COM 002824100 2,742 31,567 SH   SOLE   669 0 30,898
Abbvie COM 00287Y109 2,907 32,829 SH   SOLE   487 0 32,342
Allete COM 018522300 379 4,672 SH   SOLE   0 0 4,672
Alphabet Class C COM 02079k107 1,370 1,025 SH   SOLE   0 0 1,025
Alphabet Class C COM 02079k107 312 233 SH   OTR 2 0 0 233
Amazon COM 023135106 1,212 656 SH   SOLE   0 0 656
American Express COM 025816109 1,513 12,153 SH   SOLE   612 0 11,541
American Water Works COM 030420103 714 5,812 SH   SOLE   0 0 5,812
Ameriprise Financial COM 03076C106 400 2,400 SH   SOLE   0 0 2,400
Amgen COM 031162100 1,512 6,273 SH   SOLE   1,266 0 5,007
Apple COM 037833100 3,312 11,280 SH   SOLE   1,663 0 9,617
Apple COM 037833100 382 1,300 SH   OTR 2 0 0 1,300
Applied Materials COM 038222105 1,628 26,665 SH   SOLE   0 0 26,665
Baker Hughes COM 05722g100 478 18,647 SH   SOLE   0 0 18,647
Bank America COM 060505104 267 7,571 SH   SOLE   0 0 7,571
Bank of New York Mellon COM 064058100 531 10,560 SH   SOLE   7,392 0 3,168
Becton Dickinson COM 075887109 1,126 4,142 SH   SOLE   0 0 4,142
Boyd Gaming COM 103304101 569 19,000 SH   SOLE   0 0 19,000
Bristol-Myers Squibb COM 110122108 3,587 55,877 SH   SOLE   7,466 0 48,411
Bristol-Myers Squibb COM 110122108 516 8,040 SH   OTR 2 0 0 8,040
CBRE Group COM 12504L109 303 4,945 SH   SOLE   0 0 4,945
CMS Energy COM 125896100 1,042 16,584 SH   SOLE   0 0 16,584
CVS/Caremark COM 126650100 591 7,955 SH   SOLE   0 0 7,955
Caterpillar COM 149123101 252 1,707 SH   SOLE   500 0 1,207
Chevron COM 166764100 2,024 16,792 SH   SOLE   716 0 16,076
Chevron COM 166764100 399 3,314 SH   OTR 2 0 0 3,314
Cigna COM 125509109 316 1,545 SH   SOLE   143 0 1,402
Cisco Systems COM 17275R952 408 8,500 SH   SOLE   0 0 8,500
Cisco Systems COM 17275R952 88 1,838 SH   OTR 2 0 0 1,838
Clorox COM 189054109 2,910 18,954 SH   SOLE   2,728 0 16,226
Coca-Cola COM 191216100 368 6,650 SH   SOLE   0 0 6,650
Cognizant Technology Solutions COM 192446102 629 10,140 SH   SOLE   0 0 10,140
Corteva COM 22052l104 568 19,206 SH   SOLE   2,958 0 16,248
Corteva COM 22052l104 10 333 SH   OTR 2 0 0 333
Dell COM 24703l103 1,113 21,650 SH   SOLE   0 0 21,650
Diodes COM 254543101 1,462 25,944 SH   SOLE   0 0 25,944
Discover Financial Services COM 254709108 293 3,450 SH   SOLE   0 0 3,450
Disney COM 254687106 4,177 28,878 SH   SOLE   4,995 0 23,883
Dolby Class A COM 25659T107 836 12,150 SH   SOLE   0 0 12,150
Dover Corp. COM 260003108 908 7,876 SH   SOLE   0 0 7,876
Dow COM 260557103 1,038 18,958 SH   SOLE   2,958 0 16,000
Dow COM 260557103 18 333 SH   OTR 2 0 0 333
Du Pont (E.I) de Nemours COM 26614N102 1,233 19,208 SH   SOLE   2,958 0 16,250
Du Pont (E.I) de Nemours COM 26614N102 21 333 SH   OTR 2 0 0 333
Edison International COM 281020107 603 7,992 SH   SOLE   0 0 7,992
Emerson Electric COM 291011104 829 10,866 SH   SOLE   3,200 0 7,666
Emerson Electric COM 291011104 316 4,138 SH   OTR 2 0 0 4,138
Equifax COM 294429105 276 1,971 SH   OTR 2 0 0 1,971
Exxon Mobil COM 30231G102 4,144 59,386 SH   SOLE   7,899 0 51,487
Exxon Mobil COM 30231G102 413 5,920 SH   OTR 2 0 0 5,920
Fidelity National Info. COM 31620M106 371 2,666 SH   OTR 2 0 0 2,666
Fifth 3rd Bancorp COM 316773100 480 15,605 SH   SOLE   0 0 15,605
First American Financial COM 31847r102 567 9,724 SH   SOLE   0 0 9,724
Flir Systems COM 302445101 1,028 19,749 SH   SOLE   0 0 19,749
General Electric COM 369604103 948 84,981 SH   SOLE   6,644 0 78,337
General Electric COM 369604103 147 13,189 SH   OTR 2 0 0 13,189
Home Depot COM 437076102 2,386 10,927 SH   SOLE   1,437 0 9,490
Hoya Capital Housing ETF COM 26922a230 4,908 169,778 SH   SOLE   100,898 0 68,880
Humana COM 444859102 1,122 3,060 SH   SOLE   0 0 3,060
Huntington Ingalls Ind. COM 446413106 790 3,150 SH   SOLE   0 0 3,150
IAC Interactive Corp. COM 44919P508 1,628 6,537 SH   SOLE   0 0 6,537
Icon PLC COM G4705A100 1,205 6,999 SH   SOLE   0 0 6,999
Intel COM 458140100 4,741 79,215 SH   SOLE   15,312 0 63,903
Intel COM 458140100 202 3,380 SH   OTR 2 0 0 3,380
International Business Machine COM 459200101 1,894 14,127 SH   SOLE   1,610 0 12,517
Intuit COM 461202103 668 2,550 SH   SOLE   0 0 2,550
JPMorgan Chase COM 46625h100 8,826 63,312 SH   SOLE   2,134 0 61,178
JPMorgan Chase COM 46625h100 1,761 12,632 SH   OTR 2 0 0 12,632
Jack Henry & Assoc. COM 426281101 574 3,938 SH   SOLE   0 0 3,938
Johnson & Johnson COM 478160104 17,952 123,066 SH   SOLE   8,011 0 115,055
Johnson & Johnson COM 478160104 880 6,034 SH   OTR 2 0 0 6,034
Keycorp COM 493267108 784 38,740 SH   SOLE   0 0 38,740
Kimberly Clark COM 494368103 405 2,942 SH   OTR 2 0 0 2,942
Kroger COM 501044101 494 17,045 SH   SOLE   0 0 17,045
Marriott Vacations Worldwide COM 57164Y107 1,108 8,605 SH   SOLE   0 0 8,605
Masco Corp. COM 574599106 611 12,731 SH   SOLE   0 0 12,731
McCormick COM 579780206 2,386 14,055 SH   SOLE   4,800 0 9,255
McDonald's Corp. COM 580135101 1,546 7,825 SH   SOLE   1,866 0 5,959
Merck COM 58933y105 2,820 31,006 SH   SOLE   3,040 0 27,966
Merck COM 58933y105 517 5,687 SH   OTR 2 0 0 5,687
Microsoft COM 594918104 2,511 15,922 SH   SOLE   2,844 0 13,078
Microsoft COM 594918104 220 1,395 SH   OTR 2 0 0 1,395
Mondelez COM 609207105 219 3,971 SH   SOLE   0 0 3,971
Moody's Corp. COM 615369105 296 1,246 SH   SOLE   0 0 1,246
Nasdaq COM 631103108 895 8,354 SH   SOLE   0 0 8,354
National Health Investors COM 63633d104 1,097 13,465 SH   SOLE   0 0 13,465
Nestle ADR COM 641069406 4,395 40,617 SH   SOLE   5,000 0 35,617
Newmont Mining Corp. COM 651639106 1,049 24,134 SH   SOLE   0 0 24,134
Norfolk Southern COM 655844108 508 2,619 SH   OTR 2 0 0 2,619
Nvidia Corp. COM 67066G104 749 3,184 SH   SOLE   0 0 3,184
Old Republic COM 680223104 652 29,150 SH   SOLE   0 0 29,150
Packaging Corp. COM 695156109 226 2,015 SH   SOLE   0 0 2,015
Paychex COM 704326107 202 2,375 SH   SOLE   0 0 2,375
PepsiCo COM 713448108 3,155 23,086 SH   SOLE   980 0 22,106
PepsiCo COM 713448108 529 3,871 SH   OTR 2 0 0 3,871
Pfizer COM 717081103 5,005 127,751 SH   SOLE   18,798 0 108,953
Pfizer COM 717081103 306 7,798 SH   OTR 2 0 0 7,798
Polaris Ind. COM 731068102 641 6,305 SH   SOLE   0 0 6,305
Post Holdings COM 737446104 802 7,355 SH   SOLE   0 0 7,355
Procter & Gamble COM 742718109 4,351 34,838 SH   SOLE   3,969 0 30,869
Procter & Gamble COM 742718109 839 6,718 SH   OTR 2 0 0 6,718
Quaker Chemical COM 747316107 206 1,250 SH   SOLE   0 0 1,250
Qualcomm COM 747525103 364 4,121 SH   SOLE   900 0 3,221
Quanta Services COM 74762E102 918 22,555 SH   SOLE   0 0 22,555
Reliance Steel & Aluminum COM 759509102 1,268 10,592 SH   SOLE   0 0 10,592
Rockwell Automation COM 773903109 1,086 5,356 SH   SOLE   0 0 5,356
S&P Global COM 78409V104 2,196 8,042 SH   SOLE   643 0 7,399
Schlumberger COM 806857108 238 5,932 SH   SOLE   600 0 5,332
Schlumberger COM 806857108 184 4,581 SH   OTR 2 0 0 4,581
Schwab, Charles COM 808513105 1,675 35,213 SH   SOLE   727 0 34,486
Synopsys COM 871607107 1,679 12,063 SH   SOLE   0 0 12,063
Target COM 87612E106 269 2,100 SH   SOLE   0 0 2,100
Truist Financial COM 89832q109 824 14,636 SH   SOLE   0 0 14,636
Union Pacific COM 907818108 533 2,950 SH   SOLE   400 0 2,550
Union Pacific COM 907818108 466 2,575 SH   OTR 2 0 0 2,575
United Health Group COM 91324P102 947 3,220 SH   SOLE   0 0 3,220
United Parcel Service 'B' COM 911312106 512 4,370 SH   SOLE   300 0 4,070
United Rentals COM 911363109 267 1,600 SH   SOLE   0 0 1,600
Universal Health Svcs COM 913903100 793 5,530 SH   SOLE   0 0 5,530
Varian Medical Systems COM 92220P105 1,049 7,384 SH   SOLE   0 0 7,384
Verisign COM 92343e102 250 1,300 SH   SOLE   0 0 1,300
Verizon Communications COM 92343v104 1,987 32,359 SH   SOLE   1,700 0 30,659
Wal-Mart Stores COM 931142103 956 8,042 SH   SOLE   0 0 8,042
Waste Management COM 94106L109 1,951 17,121 SH   SOLE   0 0 17,121
Westlake Chemical Corp. COM 960413102 533 7,604 SH   SOLE   0 0 7,604
Wyndham Destinations COM 98310w108 412 7,974 SH   SOLE   0 0 7,974
Wyndham Hotels & Resorts COM 98311a105 501 7,974 SH   SOLE   0 0 7,974
Yum! Brands COM 988498101 356 3,537 SH   SOLE   392 0 3,145
Zimmer Biomet COM 98956p102 741 4,952 SH   SOLE   1,255 0 3,697
Zimmer Biomet COM 98956p102 362 2,418 SH   OTR 2 0 0 2,418
Zoetis COM 98978v103 1,273 9,620 SH   SOLE   0 0 9,620
Digital Realty Trust COM 253868103 312 2,605 SH   SOLE   50 0 2,555
Mid America Apartment Communit COM 59522J103 1,185 8,990 SH   SOLE   0 0 8,990
Store Cap Corp COM 862121100 1,219 32,745 SH   SOLE   140 0 32,605