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 909 5,830 SH   SOLE   2,120 0 3,710
AMN Healthcare Svcs. COM 001744101 475 10,500 SH   SOLE   0 0 10,500
AT&T COM 030177109 461 15,254 SH   SOLE   0 0 15,254
Abbott Laboratories COM 002824100 3,053 33,392 SH   SOLE   669 0 32,723
Abbvie COM 00287Y109 3,223 32,829 SH   SOLE   487 0 32,342
Allete COM 018522300 235 4,300 SH   SOLE   0 0 4,300
Alphabet Class A COM 02079k305 172 121 SH   SOLE   0 0 121
Alphabet Class A COM 02079k305 35 25 SH   OTR 2 0 0 25
Alphabet Class C COM 02079k107 1,616 1,143 SH   SOLE   0 0 1,143
Alphabet Class C COM 02079k107 329 233 SH   OTR 2 0 0 233
Amazon COM 023135106 2,246 814 SH   SOLE   0 0 814
Amazon COM 023135106 83 30 SH   OTR 2 0 0 30
American Express COM 025816109 1,465 15,393 SH   SOLE   612 0 14,781
American Water Works COM 030420103 695 5,405 SH   SOLE   0 0 5,405
Ameriprise Financial COM 03076C106 360 2,400 SH   SOLE   0 0 2,400
Amgen COM 031162100 1,480 6,273 SH   SOLE   1,266 0 5,007
Apple COM 037833100 4,109 11,265 SH   SOLE   1,663 0 9,602
Apple COM 037833100 511 1,400 SH   OTR 2 0 0 1,400
Applied Materials COM 038222105 1,506 24,912 SH   SOLE   0 0 24,912
Bank of New York Mellon COM 064058100 408 10,560 SH   SOLE   7,392 0 3,168
Becton Dickinson COM 075887109 940 3,929 SH   SOLE   0 0 3,929
Boyd Gaming COM 103304101 376 18,000 SH   SOLE   0 0 18,000
Bristol-Myers Squibb COM 110122108 3,344 56,877 SH   SOLE   7,466 0 49,411
Bristol-Myers Squibb COM 110122108 473 8,040 SH   OTR 2 0 0 8,040
CBRE Group COM 12504L109 215 4,745 SH   SOLE   0 0 4,745
CMS Energy COM 125896100 898 15,368 SH   SOLE   0 0 15,368
CVS/Caremark COM 126650100 517 7,955 SH   SOLE   0 0 7,955
Chevron COM 166764100 1,473 16,504 SH   SOLE   716 0 15,788
Chevron COM 166764100 291 3,264 SH   OTR 2 0 0 3,264
Cigna COM 125509109 290 1,545 SH   SOLE   143 0 1,402
Cisco Systems COM 17275R952 396 8,500 SH   SOLE   0 0 8,500
Cisco Systems COM 17275R952 86 1,838 SH   OTR 2 0 0 1,838
Clorox COM 189054109 4,059 18,504 SH   SOLE   2,728 0 15,776
Coca-Cola COM 191216100 297 6,650 SH   SOLE   0 0 6,650
Cognizant Technology Solutions COM 192446102 682 12,000 SH   SOLE   0 0 12,000
Corteva COM 22052l104 480 17,920 SH   SOLE   2,958 0 14,962
Corteva COM 22052l104 9 333 SH   OTR 2 0 0 333
D R Horton COM 23331A109 482 8,700 SH   SOLE   0 0 8,700
Dell COM 24703l103 1,374 25,000 SH   SOLE   0 0 25,000
Diodes COM 254543101 1,219 24,035 SH   SOLE   0 0 24,035
Disney COM 254687106 3,297 29,563 SH   SOLE   4,995 0 24,568
Disney COM 254687106 45 400 SH   OTR 2 0 0 400
Dolby Class A COM 25659T107 730 11,090 SH   SOLE   0 0 11,090
Dover Corp. COM 260003108 707 7,318 SH   SOLE   0 0 7,318
Dow COM 260557103 770 18,892 SH   SOLE   2,958 0 15,934
Dow COM 260557103 14 333 SH   OTR 2 0 0 333
Du Pont (E.I) de Nemours COM 26614N102 1,017 19,142 SH   SOLE   2,958 0 16,184
Du Pont (E.I) de Nemours COM 26614N102 18 333 SH   OTR 2 0 0 333
Edison International COM 281020107 408 7,506 SH   SOLE   0 0 7,506
Emerson Electric COM 291011104 674 10,866 SH   SOLE   3,200 0 7,666
Emerson Electric COM 291011104 257 4,138 SH   OTR 2 0 0 4,138
Equifax COM 294429105 339 1,971 SH   OTR 2 0 0 1,971
Exxon Mobil COM 30231G102 2,652 59,303 SH   SOLE   7,899 0 51,404
Exxon Mobil COM 30231G102 263 5,870 SH   OTR 2 0 0 5,870
Fidelity National Info. COM 31620M106 357 2,666 SH   OTR 2 0 0 2,666
First American Financial COM 31847r102 439 9,150 SH   SOLE   0 0 9,150
Flir Systems COM 302445101 379 9,346 SH   SOLE   0 0 9,346
General Electric COM 369604103 564 82,581 SH   SOLE   6,644 0 75,937
General Electric COM 369604103 75 10,989 SH   OTR 2 0 0 10,989
Home Depot COM 437076102 2,762 11,027 SH   SOLE   1,437 0 9,590
Hoya Capital Housing ETF COM 26922a230 4,443 173,812 SH   SOLE   103,208 0 70,604
Hubbell COM 443510607 414 3,300 SH   SOLE   0 0 3,300
Humana COM 444859102 1,093 2,820 SH   SOLE   0 0 2,820
Huntington Ingalls Ind. COM 446413106 699 4,005 SH   SOLE   0 0 4,005
IAC Interactive Corp. COM 44919P508 1,423 4,400 SH   SOLE   0 0 4,400
Icon PLC COM G4705A100 1,095 6,501 SH   SOLE   0 0 6,501
Intel COM 458140100 4,865 81,315 SH   SOLE   15,312 0 66,003
Intel COM 458140100 202 3,380 SH   OTR 2 0 0 3,380
International Business Machine COM 459200101 1,745 14,452 SH   SOLE   1,610 0 12,842
Intuit COM 461202103 681 2,300 SH   SOLE   0 0 2,300
JPMorgan Chase COM 46625h100 5,986 63,637 SH   SOLE   2,134 0 61,503
JPMorgan Chase COM 46625h100 1,160 12,332 SH   OTR 2 0 0 12,332
Jack Henry & Assoc. COM 426281101 672 3,650 SH   SOLE   0 0 3,650
Johnson & Johnson COM 478160104 17,349 123,366 SH   SOLE   8,011 0 115,355
Johnson & Johnson COM 478160104 834 5,934 SH   OTR 2 0 0 5,934
Kimberly Clark COM 494368103 416 2,942 SH   OTR 2 0 0 2,942
Kroger COM 501044101 525 15,500 SH   SOLE   0 0 15,500
Lear Corp. COM 521865204 403 3,700 SH   SOLE   0 0 3,700
Marriott Vacations Worldwide COM 57164Y107 657 7,988 SH   SOLE   0 0 7,988
Masco Corp. COM 574599106 566 11,279 SH   SOLE   0 0 11,279
McCormick COM 579780206 2,145 11,955 SH   SOLE   4,800 0 7,155
McDonald's Corp. COM 580135101 1,443 7,825 SH   SOLE   1,866 0 5,959
Merck COM 58933y105 2,398 31,006 SH   SOLE   3,040 0 27,966
Merck COM 58933y105 440 5,687 SH   OTR 2 0 0 5,687
Microsoft COM 594918104 3,548 17,435 SH   SOLE   2,844 0 14,591
Microsoft COM 594918104 304 1,495 SH   OTR 2 0 0 1,495
Mondelez COM 609207105 203 3,971 SH   SOLE   0 0 3,971
Moody's Corp. COM 615369105 260 946 SH   SOLE   0 0 946
Nasdaq COM 631103108 915 7,655 SH   SOLE   0 0 7,655
National Health Investors COM 63633d104 789 13,000 SH   SOLE   0 0 13,000
Nestle ADR COM 641069406 4,587 41,497 SH   SOLE   5,000 0 36,497
Newmont Mining Corp. COM 651639106 1,392 22,542 SH   SOLE   0 0 22,542
Norfolk Southern COM 655844108 460 2,619 SH   OTR 2 0 0 2,619
Nvidia Corp. COM 67066G104 1,120 2,948 SH   SOLE   0 0 2,948
Old Republic COM 680223104 440 27,000 SH   SOLE   0 0 27,000
PepsiCo COM 713448108 3,053 23,086 SH   SOLE   980 0 22,106
PepsiCo COM 713448108 499 3,771 SH   OTR 2 0 0 3,771
Pfizer COM 717081103 4,177 127,751 SH   SOLE   18,798 0 108,953
Pfizer COM 717081103 255 7,798 SH   OTR 2 0 0 7,798
Post Holdings COM 737446104 301 3,430 SH   SOLE   0 0 3,430
Procter & Gamble COM 742718109 4,166 34,838 SH   SOLE   3,969 0 30,869
Procter & Gamble COM 742718109 797 6,668 SH   OTR 2 0 0 6,668
Quaker Chemical COM 747316107 232 1,250 SH   SOLE   0 0 1,250
Qualcomm COM 747525103 628 6,881 SH   SOLE   900 0 5,981
Quanta Services COM 74762E102 822 20,956 SH   SOLE   0 0 20,956
Reliance Steel & Aluminum COM 759509102 929 9,781 SH   SOLE   0 0 9,781
Rockwell Automation COM 773903109 1,060 4,975 SH   SOLE   0 0 4,975
S&P Global COM 78409V104 2,643 8,022 SH   SOLE   643 0 7,379
Schlumberger COM 806857108 109 5,932 SH   SOLE   600 0 5,332
Schlumberger COM 806857108 83 4,531 SH   OTR 2 0 0 4,531
Schwab, Charles COM 808513105 1,217 36,063 SH   SOLE   727 0 35,336
Synopsys COM 871607107 1,900 9,744 SH   SOLE   0 0 9,744
Target COM 87612E106 252 2,100 SH   SOLE   0 0 2,100
Truist Financial COM 89832q109 496 13,199 SH   SOLE   0 0 13,199
Union Pacific COM 907818108 499 2,950 SH   SOLE   400 0 2,550
Union Pacific COM 907818108 435 2,575 SH   OTR 2 0 0 2,575
United Health Group COM 91324P102 1,000 3,390 SH   SOLE   0 0 3,390
United Parcel Service 'B' COM 911312106 547 4,920 SH   SOLE   300 0 4,620
United Rentals COM 911363109 313 2,100 SH   SOLE   0 0 2,100
Universal Health Svcs COM 913903100 478 5,145 SH   SOLE   0 0 5,145
Varian Medical Systems COM 92220P105 840 6,855 SH   SOLE   0 0 6,855
Verisign COM 92343e102 207 1,000 SH   SOLE   0 0 1,000
Verizon Communications COM 92343v104 1,878 34,059 SH   SOLE   1,700 0 32,359
Wal-Mart Stores COM 931142103 963 8,042 SH   SOLE   0 0 8,042
Waste Management COM 94106L109 1,864 17,597 SH   SOLE   0 0 17,597
Westlake Chemical Corp. COM 960413102 360 6,711 SH   SOLE   0 0 6,711
Wyndham Hotels & Resorts COM 98311a105 316 7,408 SH   SOLE   0 0 7,408
Yum! Brands COM 988498101 307 3,537 SH   SOLE   392 0 3,145
Zimmer Biomet COM 98956p102 973 8,152 SH   SOLE   1,255 0 6,897
Zimmer Biomet COM 98956p102 280 2,342 SH   OTR 2 0 0 2,342
Zoetis COM 98978v103 1,501 10,950 SH   SOLE   0 0 10,950
Digital Realty Trust COM 253868103 370 2,605 SH   SOLE   50 0 2,555
Mid America Apartment Communit COM 59522J103 971 8,469 SH   SOLE   0 0 8,469
Store Cap Corp COM 862121100 768 32,250 SH   SOLE   140 0 32,110
Terreno Realty Corp. COM 88146m101 379 7,200 SH   SOLE   0 0 7,200