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 1,171 5,896 SH   SOLE   2,120 0 3,776
AMN Healthcare Svcs. COM 001744101 1,018 10,500 SH   SOLE   0 0 10,500
AT&T COM 030177109 331 11,503 SH   SOLE   0 0 11,503
Abbott Laboratories COM 002824100 3,815 32,905 SH   SOLE   182 0 32,723
Abbvie COM 00287Y109 3,772 33,490 SH   SOLE   0 0 33,490
Allete COM 018522300 301 4,300 SH   SOLE   0 0 4,300
Alphabet Class A COM 02079k305 208 85 SH   SOLE   0 0 85
Alphabet Class A COM 02079k305 61 25 SH   OTR 2 0 0 25
Alphabet Class C COM 02079k107 2,847 1,136 SH   SOLE   0 0 1,136
Alphabet Class C COM 02079k107 584 233 SH   OTR 2 0 0 233
Amazon COM 023135106 2,783 809 SH   SOLE   0 0 809
Amazon COM 023135106 103 30 SH   OTR 2 0 0 30
American Express COM 025816109 2,426 14,681 SH   SOLE   0 0 14,681
American Water Works COM 030420103 833 5,405 SH   SOLE   0 0 5,405
Ameriprise Financial COM 03076C106 597 2,400 SH   SOLE   0 0 2,400
Amgen COM 031162100 1,367 5,607 SH   SOLE   600 0 5,007
Anheuser-Busch COM 03524a108 279 3,878 SH   SOLE   0 0 3,878
Apple COM 037833100 5,592 40,833 SH   SOLE   2,900 0 37,933
Apple COM 037833100 767 5,600 SH   OTR 2 0 0 5,600
Applied Materials COM 038222105 2,408 16,912 SH   SOLE   0 0 16,912
Bank America COM 060505104 312 7,571 SH   SOLE   0 0 7,571
Bank of New York Mellon COM 064058100 541 10,560 SH   SOLE   7,392 0 3,168
Becton Dickinson COM 075887109 1,182 4,859 SH   SOLE   0 0 4,859
Blackstone Group COM 09253u108 220 2,265 SH   SOLE   0 0 2,265
Bristol-Myers Squibb COM 110122108 4,421 66,167 SH   SOLE   7,466 0 58,701
Bristol-Myers Squibb COM 110122108 524 7,840 SH   OTR 2 0 0 7,840
CMS Energy COM 125896100 908 15,368 SH   SOLE   0 0 15,368
CVS/Caremark COM 126650100 977 11,705 SH   SOLE   0 0 11,705
Chevron COM 166764100 1,573 15,020 SH   SOLE   716 0 14,304
Chevron COM 166764100 329 3,139 SH   OTR 2 0 0 3,139
Cigna COM 125509109 332 1,402 SH   SOLE   0 0 1,402
Cisco Systems COM 17275R952 472 8,900 SH   SOLE   0 0 8,900
Cisco Systems COM 17275R952 97 1,838 SH   OTR 2 0 0 1,838
Clorox COM 189054109 3,256 18,096 SH   SOLE   2,320 0 15,776
Coca-Cola COM 191216100 373 6,900 SH   SOLE   0 0 6,900
Cognizant Technology Solutions COM 192446102 831 12,000 SH   SOLE   0 0 12,000
Corteva COM 22052l104 567 12,779 SH   SOLE   0 0 12,779
Corteva COM 22052l104 15 333 SH   OTR 2 0 0 333
D R Horton COM 23331A109 1,936 21,425 SH   SOLE   0 0 21,425
Dell COM 24703l103 2,492 25,000 SH   SOLE   0 0 25,000
Diodes COM 254543101 1,917 24,035 SH   SOLE   0 0 24,035
Discover Financial Services COM 254709108 408 3,450 SH   SOLE   0 0 3,450
Disney COM 254687106 4,723 26,868 SH   SOLE   2,400 0 24,468
Disney COM 254687106 70 400 SH   OTR 2 0 0 400
Dolby Class A COM 25659T107 1,090 11,090 SH   SOLE   0 0 11,090
Dover Corp. COM 260003108 1,683 11,173 SH   SOLE   0 0 11,173
Dow COM 260557103 1,102 17,421 SH   SOLE   2,958 0 14,463
Dow COM 260557103 21 333 SH   OTR 2 0 0 333
Du Pont (E.I) de Nemours COM 26614N102 1,482 19,142 SH   SOLE   2,958 0 16,184
Du Pont (E.I) de Nemours COM 26614N102 26 333 SH   OTR 2 0 0 333
Edison International COM 281020107 434 7,506 SH   SOLE   0 0 7,506
Eli Lilly COM 532457108 275 1,200 SH   SOLE   0 0 1,200
Emerson Electric COM 291011104 930 9,666 SH   SOLE   3,200 0 6,466
Emerson Electric COM 291011104 389 4,038 SH   OTR 2 0 0 4,038
Equifax COM 294429105 472 1,971 SH   OTR 2 0 0 1,971
Exxon Mobil COM 30231G102 3,127 49,578 SH   SOLE   7,527 0 42,051
Exxon Mobil COM 30231G102 362 5,745 SH   OTR 2 0 0 5,745
FedEx COM 31428x106 700 2,345 SH   SOLE   0 0 2,345
Fidelity National Info. COM 31620M106 378 2,666 SH   OTR 2 0 0 2,666
First American Financial COM 31847r102 1,086 17,425 SH   SOLE   0 0 17,425
General Electric COM 369604103 1,088 80,837 SH   SOLE   5,800 0 75,037
General Electric COM 369604103 147 10,889 SH   OTR 2 0 0 10,889
Goldman Sachs COM 38141G104 723 1,905 SH   SOLE   0 0 1,905
Home Depot COM 437076102 3,382 10,605 SH   SOLE   1,100 0 9,505
Honeywell COM 438516106 208 950 SH   OTR 2 0 0 950
Hubbell COM 443510607 845 4,520 SH   SOLE   0 0 4,520
Humana COM 444859102 1,950 4,405 SH   SOLE   0 0 4,405
Huntington Ingalls Ind. COM 446413106 1,260 5,980 SH   SOLE   0 0 5,980
Icon PLC COM G4705A100 1,592 7,701 SH   SOLE   0 0 7,701
Intel COM 458140100 4,110 73,203 SH   SOLE   7,600 0 65,603
Intel COM 458140100 190 3,380 SH   OTR 2 0 0 3,380
International Business Machine COM 459200101 2,215 15,111 SH   SOLE   1,610 0 13,501
Intuit COM 461202103 1,127 2,300 SH   SOLE   0 0 2,300
JPMorgan Chase COM 46625h100 9,723 62,510 SH   SOLE   1,224 0 61,286
JPMorgan Chase COM 46625h100 1,864 11,982 SH   OTR 2 0 0 11,982
Jack Henry & Assoc. COM 426281101 875 5,350 SH   SOLE   0 0 5,350
Jacobs Engineering COM 469814107 214 1,605 SH   SOLE   0 0 1,605
Johnson & Johnson COM 478160104 15,858 96,260 SH   SOLE   6,471 0 89,789
Johnson & Johnson COM 478160104 969 5,884 SH   OTR 2 0 0 5,884
Kimberly Clark COM 494368103 13 100 SH   SOLE   0 0 100
Kimberly Clark COM 494368103 387 2,892 SH   OTR 2 0 0 2,892
Kroger COM 501044101 594 15,500 SH   SOLE   0 0 15,500
Laboratory Corp. of America COM 50540r409 1,884 6,829 SH   SOLE   0 0 6,829
Lear Corp. COM 521865204 1,174 6,700 SH   SOLE   0 0 6,700
Lowes COM 548661107 816 4,206 SH   SOLE   0 0 4,206
Marriott Vacations Worldwide COM 57164Y107 1,272 7,988 SH   SOLE   0 0 7,988
Masco Corp. COM 574599106 664 11,279 SH   SOLE   0 0 11,279
Match Group COM 57665r106 1,289 7,996 SH   SOLE   0 0 7,996
McCormick COM 579780206 1,968 22,285 SH   SOLE   9,600 0 12,685
McDonald's Corp. COM 580135101 1,771 7,666 SH   SOLE   1,707 0 5,959
Merck COM 58933y105 2,373 30,514 SH   SOLE   2,548 0 27,966
Merck COM 58933y105 438 5,637 SH   OTR 2 0 0 5,637
Microsoft COM 594918104 4,351 16,063 SH   SOLE   800 0 15,263
Microsoft COM 594918104 405 1,495 SH   OTR 2 0 0 1,495
Mondelez COM 609207105 248 3,971 SH   SOLE   0 0 3,971
Moody's Corp. COM 615369105 343 946 SH   SOLE   0 0 946
Nasdaq COM 631103108 1,583 9,005 SH   SOLE   0 0 9,005
National Health Investors COM 63633d104 872 13,000 SH   SOLE   0 0 13,000
Nestle ADR COM 641069406 5,263 42,222 SH   SOLE   5,000 0 37,222
Newmont Mining Corp. COM 651639106 1,841 29,047 SH   SOLE   0 0 29,047
Norfolk Southern COM 655844108 688 2,594 SH   OTR 2 0 0 2,594
Nvidia Corp. COM 67066G104 1,540 1,925 SH   SOLE   0 0 1,925
Old Republic COM 680223104 673 27,000 SH   SOLE   0 0 27,000
Packaging Corp. COM 695156109 257 1,895 SH   SOLE   0 0 1,895
Paychex COM 704326107 255 2,375 SH   SOLE   0 0 2,375
PepsiCo COM 713448108 3,287 22,181 SH   SOLE   0 0 22,181
PepsiCo COM 713448108 554 3,737 SH   OTR 2 0 0 3,737
Pfizer COM 717081103 4,939 126,134 SH   SOLE   17,446 0 108,688
Pfizer COM 717081103 290 7,398 SH   OTR 2 0 0 7,398
Post Holdings COM 737446104 372 3,430 SH   SOLE   0 0 3,430
Procter & Gamble COM 742718109 4,494 33,306 SH   SOLE   2,437 0 30,869
Procter & Gamble COM 742718109 815 6,043 SH   OTR 2 0 0 6,043
Quaker Chemical COM 747316107 296 1,250 SH   SOLE   0 0 1,250
Qualcomm COM 747525103 941 6,581 SH   SOLE   600 0 5,981
Quanta Services COM 74762E102 1,898 20,956 SH   SOLE   0 0 20,956
Reliance Steel & Aluminum COM 759509102 1,476 9,781 SH   SOLE   0 0 9,781
Rockwell Automation COM 773903109 1,423 4,975 SH   SOLE   0 0 4,975
S&P Global COM 78409V104 3,441 8,384 SH   SOLE   500 0 7,884
Schlumberger COM 806857108 126 3,934 SH   SOLE   600 0 3,334
Schlumberger COM 806857108 145 4,531 SH   OTR 2 0 0 4,531
Schwab, Charles COM 808513105 2,551 35,036 SH   SOLE   0 0 35,036
Synopsys COM 871607107 1,890 6,852 SH   SOLE   0 0 6,852
Target COM 87612E106 556 2,300 SH   SOLE   0 0 2,300
Teledyne Technologies COM 879360106 281 671 SH   SOLE   0 0 671
Truist Financial COM 89832q109 733 13,199 SH   SOLE   0 0 13,199
Union Pacific COM 907818108 913 4,150 SH   SOLE   400 0 3,750
Union Pacific COM 907818108 467 2,125 SH   OTR 2 0 0 2,125
United Health Group COM 91324P102 1,378 3,440 SH   SOLE   0 0 3,440
United Parcel Service 'B' COM 911312106 996 4,790 SH   SOLE   300 0 4,490
United Rentals COM 911363109 670 2,100 SH   SOLE   0 0 2,100
Universal Health Svcs COM 913903100 753 5,145 SH   SOLE   0 0 5,145
Verisign COM 92343e102 228 1,000 SH   SOLE   0 0 1,000
Verizon Communications COM 92343v104 1,937 34,565 SH   SOLE   1,700 0 32,865
Viatris COM 92556v106 224 15,652 SH   SOLE   2,164 0 13,488
Viatris COM 92556v106 4 259 SH   OTR 2 0 0 259
Wal-Mart Stores COM 931142103 1,513 10,732 SH   SOLE   0 0 10,732
Waste Management COM 94106L109 2,462 17,571 SH   SOLE   0 0 17,571
Westlake Chemical Corp. COM 960413102 605 6,711 SH   SOLE   0 0 6,711
Wyndham Hotels & Resorts COM 98311a105 536 7,408 SH   SOLE   0 0 7,408
Yum China Holdings COM 98850p109 208 3,145 SH   SOLE   0 0 3,145
Yum! Brands COM 988498101 362 3,145 SH   SOLE   0 0 3,145
Zimmer Biomet COM 98956p102 1,922 11,952 SH   SOLE   1,255 0 10,697
Zimmer Biomet COM 98956p102 377 2,342 SH   OTR 2 0 0 2,342
Zoetis COM 98978v103 2,041 10,950 SH   SOLE   0 0 10,950
Hoya Capital Housing COM 26922a230 5,480 136,373 SH   SOLE   71,043 0 65,330
American Tower Corp. COM 998311450 772 2,857 SH   SOLE   50 0 2,807
Digital Realty Trust COM 253868103 392 2,605 SH   SOLE   50 0 2,555
Mid America Apartment Communit COM 59522J103 1,426 8,469 SH   SOLE   0 0 8,469
Prologis COM 888192887 233 1,951 SH   SOLE   70 0 1,881
Store Cap Corp COM 862121100 1,113 32,250 SH   SOLE   140 0 32,110
Terreno Realty Corp. COM 88146m101 668 10,350 SH   SOLE   0 0 10,350