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 1,034 5,896 SH   SOLE   2,120 0 3,776
AMN Healthcare Svcs. COM 001744101 1,205 10,500 SH   SOLE   0 0 10,500
AT&T COM 030177109 311 11,503 SH   SOLE   0 0 11,503
Abbott Laboratories COM 002824100 3,894 32,965 SH   SOLE   182 0 32,783
Abbvie COM 00287Y109 3,613 33,490 SH   SOLE   0 0 33,490
Allete COM 018522300 256 4,300 SH   SOLE   0 0 4,300
Alphabet Class A COM 02079k305 227 85 SH   SOLE   0 0 85
Alphabet Class A COM 02079k305 67 25 SH   OTR 2 0 0 25
Alphabet Class C COM 02079k107 2,799 1,050 SH   SOLE   0 0 1,050
Alphabet Class C COM 02079k107 621 233 SH   OTR 2 0 0 233
Amazon COM 023135106 2,845 866 SH   SOLE   0 0 866
Amazon COM 023135106 99 30 SH   OTR 2 0 0 30
American Express COM 025816109 2,460 14,681 SH   SOLE   0 0 14,681
American Water Works COM 030420103 914 5,405 SH   SOLE   0 0 5,405
Ameriprise Financial COM 03076C106 634 2,400 SH   SOLE   0 0 2,400
Amgen COM 031162100 1,198 5,632 SH   SOLE   600 0 5,032
Anheuser-Busch COM 03524a108 219 3,878 SH   SOLE   0 0 3,878
Apple COM 037833100 5,443 38,463 SH   SOLE   2,200 0 36,263
Apple COM 037833100 792 5,600 SH   OTR 2 0 0 5,600
Applied Materials COM 038222105 2,360 18,332 SH   SOLE   0 0 18,332
Bank America COM 060505104 321 7,571 SH   SOLE   0 0 7,571
Bank of New York Mellon COM 064058100 547 10,560 SH   SOLE   7,392 0 3,168
Becton Dickinson COM 075887109 1,194 4,859 SH   SOLE   0 0 4,859
Bristol-Myers Squibb COM 110122108 3,920 66,247 SH   SOLE   7,466 0 58,781
Bristol-Myers Squibb COM 110122108 452 7,640 SH   OTR 2 0 0 7,640
CMS Energy COM 125896100 918 15,368 SH   SOLE   0 0 15,368
CVS/Caremark COM 126650100 1,127 13,280 SH   SOLE   0 0 13,280
Chevron COM 166764100 1,528 15,057 SH   SOLE   716 0 14,341
Chevron COM 166764100 318 3,139 SH   OTR 2 0 0 3,139
Cigna COM 125509109 281 1,402 SH   SOLE   0 0 1,402
Cisco Systems COM 17275R952 484 8,900 SH   SOLE   0 0 8,900
Cisco Systems COM 17275R952 100 1,838 SH   OTR 2 0 0 1,838
Clorox COM 189054109 2,997 18,096 SH   SOLE   2,320 0 15,776
Coca-Cola COM 191216100 362 6,900 SH   SOLE   0 0 6,900
Cognizant Technology Solutions COM 192446102 891 12,000 SH   SOLE   0 0 12,000
Corteva COM 22052l104 538 12,779 SH   SOLE   0 0 12,779
Corteva COM 22052l104 14 333 SH   OTR 2 0 0 333
D R Horton COM 23331A109 1,807 21,525 SH   SOLE   0 0 21,525
Dell COM 24703l103 2,601 25,000 SH   SOLE   0 0 25,000
Diodes COM 254543101 2,177 24,035 SH   SOLE   0 0 24,035
Discover Financial Services COM 254709108 432 3,520 SH   SOLE   0 0 3,520
Disney COM 254687106 4,611 27,258 SH   SOLE   1,500 0 25,758
Disney COM 254687106 68 400 SH   OTR 2 0 0 400
Dolby Class A COM 25659T107 976 11,090 SH   SOLE   0 0 11,090
Dover Corp. COM 260003108 1,737 11,173 SH   SOLE   0 0 11,173
Dow COM 260557103 1,003 17,421 SH   SOLE   2,958 0 14,463
Dow COM 260557103 19 333 SH   OTR 2 0 0 333
Du Pont (E.I) de Nemours COM 26614N102 1,308 19,232 SH   SOLE   2,958 0 16,274
Du Pont (E.I) de Nemours COM 26614N102 23 333 SH   OTR 2 0 0 333
Eli Lilly COM 532457108 277 1,200 SH   SOLE   0 0 1,200
Emerson Electric COM 291011104 911 9,666 SH   SOLE   3,200 0 6,466
Emerson Electric COM 291011104 380 4,038 SH   OTR 2 0 0 4,038
Equifax COM 294429105 499 1,971 SH   OTR 2 0 0 1,971
Exxon Mobil COM 30231G102 2,913 49,528 SH   SOLE   7,527 0 42,001
Exxon Mobil COM 30231G102 338 5,745 SH   OTR 2 0 0 5,745
FedEx COM 31428x106 624 2,845 SH   SOLE   0 0 2,845
Fidelity National Info. COM 31620M106 324 2,666 SH   OTR 2 0 0 2,666
First American Financial COM 31847r102 1,168 17,425 SH   SOLE   0 0 17,425
General Electric COM 369604103 1,040 10,096 SH   SOLE   725 0 9,371
General Electric COM 369604103 140 1,360 SH   OTR 2 0 0 1,360
Goldman Sachs COM 38141G104 730 1,930 SH   SOLE   0 0 1,930
Home Depot COM 437076102 3,350 10,205 SH   SOLE   700 0 9,505
Honeywell COM 438516106 202 950 SH   OTR 2 0 0 950
Hubbell COM 443510607 883 4,890 SH   SOLE   0 0 4,890
Humana COM 444859102 1,796 4,615 SH   SOLE   0 0 4,615
Huntington Ingalls Ind. COM 446413106 1,154 5,980 SH   SOLE   0 0 5,980
Icon PLC COM G4705A100 2,018 7,701 SH   SOLE   0 0 7,701
Intel COM 458140100 3,572 67,038 SH   SOLE   2,800 0 64,238
Intel COM 458140100 180 3,380 SH   OTR 2 0 0 3,380
International Business Machine COM 459200101 2,105 15,151 SH   SOLE   1,610 0 13,541
Intuit COM 461202103 971 1,800 SH   SOLE   0 0 1,800
JPMorgan Chase COM 46625h100 10,250 62,618 SH   SOLE   1,224 0 61,394
JPMorgan Chase COM 46625h100 1,949 11,907 SH   OTR 2 0 0 11,907
Jack Henry & Assoc. COM 426281101 878 5,350 SH   SOLE   0 0 5,350
Jacobs Engineering COM 469814107 1,022 7,715 SH   SOLE   0 0 7,715
Johnson & Johnson COM 478160104 15,546 96,260 SH   SOLE   6,471 0 89,789
Johnson & Johnson COM 478160104 942 5,834 SH   OTR 2 0 0 5,834
Kimberly Clark COM 494368103 13 100 SH   SOLE   0 0 100
Kimberly Clark COM 494368103 376 2,842 SH   OTR 2 0 0 2,842
Kroger COM 501044101 627 15,500 SH   SOLE   0 0 15,500
Laboratory Corp. of America COM 50540r409 1,922 6,829 SH   SOLE   0 0 6,829
Lear Corp. COM 521865204 1,048 6,700 SH   SOLE   0 0 6,700
Lowes COM 548661107 1,045 5,151 SH   SOLE   0 0 5,151
Marriott Vacations Worldwide COM 57164Y107 1,257 7,988 SH   SOLE   0 0 7,988
Masco Corp. COM 574599106 627 11,279 SH   SOLE   0 0 11,279
Match Group COM 57665r106 1,020 6,496 SH   SOLE   0 0 6,496
McCormick COM 579780206 1,790 22,094 SH   SOLE   9,600 0 12,494
McDonald's Corp. COM 580135101 1,848 7,666 SH   SOLE   1,707 0 5,959
Merck COM 58933y105 2,292 30,514 SH   SOLE   2,548 0 27,966
Merck COM 58933y105 423 5,637 SH   OTR 2 0 0 5,637
Microsoft COM 594918104 4,382 15,543 SH   SOLE   800 0 14,743
Microsoft COM 594918104 421 1,495 SH   OTR 2 0 0 1,495
Mondelez COM 609207105 231 3,971 SH   SOLE   0 0 3,971
Moody's Corp. COM 615369105 336 946 SH   SOLE   0 0 946
Nasdaq COM 631103108 1,738 9,005 SH   SOLE   0 0 9,005
Nestle ADR COM 641069406 5,193 42,982 SH   SOLE   5,000 0 37,982
Newmont Mining Corp. COM 651639106 1,583 29,147 SH   SOLE   0 0 29,147
Norfolk Southern COM 655844108 621 2,594 SH   OTR 2 0 0 2,594
Nvidia Corp. COM 67066G104 1,214 5,860 SH   SOLE   0 0 5,860
Old Republic COM 680223104 625 27,000 SH   SOLE   0 0 27,000
Packaging Corp. COM 695156109 260 1,895 SH   SOLE   0 0 1,895
Paychex COM 704326107 267 2,375 SH   SOLE   0 0 2,375
PepsiCo COM 713448108 3,294 21,899 SH   SOLE   94 0 21,805
PepsiCo COM 713448108 562 3,737 SH   OTR 2 0 0 3,737
Pfizer COM 717081103 5,431 126,265 SH   SOLE   17,446 0 108,819
Pfizer COM 717081103 305 7,098 SH   OTR 2 0 0 7,098
Post Holdings COM 737446104 378 3,430 SH   SOLE   0 0 3,430
Procter & Gamble COM 742718109 4,664 33,364 SH   SOLE   2,437 0 30,927
Procter & Gamble COM 742718109 831 5,943 SH   OTR 2 0 0 5,943
Quaker Chemical COM 747316107 297 1,250 SH   SOLE   0 0 1,250
Qualcomm COM 747525103 857 6,643 SH   SOLE   600 0 6,043
Quanta Services COM 74762E102 2,385 20,956 SH   SOLE   0 0 20,956
Reliance Steel & Aluminum COM 759509102 1,393 9,781 SH   SOLE   0 0 9,781
Rockwell Automation COM 773903109 1,463 4,975 SH   SOLE   0 0 4,975
S&P Global COM 78409V104 3,556 8,369 SH   SOLE   500 0 7,869
Schlumberger COM 806857108 117 3,934 SH   SOLE   600 0 3,334
Schlumberger COM 806857108 134 4,531 SH   OTR 2 0 0 4,531
Schwab, Charles COM 808513105 2,560 35,151 SH   SOLE   0 0 35,151
Synopsys COM 871607107 2,052 6,852 SH   SOLE   0 0 6,852
Target COM 87612E106 526 2,300 SH   SOLE   0 0 2,300
Teledyne Technologies COM 879360106 288 671 SH   SOLE   0 0 671
Travelers COM 89417E109 201 1,322 SH   SOLE   0 0 1,322
Truist Financial COM 89832q109 985 16,799 SH   SOLE   0 0 16,799
Union Pacific COM 907818108 930 4,745 SH   SOLE   400 0 4,345
Union Pacific COM 907818108 417 2,125 SH   OTR 2 0 0 2,125
United Health Group COM 91324P102 1,344 3,440 SH   SOLE   0 0 3,440
United Parcel Service 'B' COM 911312106 881 4,840 SH   SOLE   300 0 4,540
United Rentals COM 911363109 750 2,138 SH   SOLE   0 0 2,138
Universal Health Svcs COM 913903100 712 5,145 SH   SOLE   0 0 5,145
Verisign COM 92343e102 205 1,000 SH   SOLE   0 0 1,000
Verizon Communications COM 92343v104 1,878 34,779 SH   SOLE   1,700 0 33,079
Viatris COM 92556v106 212 15,668 SH   SOLE   2,164 0 13,504
Viatris COM 92556v106 4 259 SH   OTR 2 0 0 259
Wal-Mart Stores COM 931142103 1,568 11,252 SH   SOLE   0 0 11,252
Waste Management COM 94106L109 2,624 17,571 SH   SOLE   0 0 17,571
Westlake Chemical Corp. COM 960413102 612 6,711 SH   SOLE   0 0 6,711
Wyndham Hotels & Resorts COM 98311a105 572 7,408 SH   SOLE   0 0 7,408
Yum! Brands COM 988498101 385 3,145 SH   SOLE   0 0 3,145
Zimmer Biomet COM 98956p102 1,906 13,024 SH   SOLE   1,255 0 11,769
Zimmer Biomet COM 98956p102 343 2,342 SH   OTR 2 0 0 2,342
Zoetis COM 98978v103 2,126 10,950 SH   SOLE   0 0 10,950
Hoya Capital High Dividend Yie COM 26922b840 310 20,815 SH   SOLE   500 0 20,315
Hoya Capital Housing COM 26922a230 7,439 187,483 SH   SOLE   68,393 0 119,090
American Tower Corp. COM 998311450 1,501 5,657 SH   SOLE   50 0 5,607
Digital Realty Trust COM 253868103 376 2,605 SH   SOLE   50 0 2,555
Invitation Homes COM 46187w107 820 21,400 SH   SOLE   0 0 21,400
Mid America Apartment Communit COM 59522J103 1,582 8,469 SH   SOLE   0 0 8,469
Prologis COM 888192887 245 1,951 SH   SOLE   70 0 1,881
Store Cap Corp COM 862121100 1,033 32,250 SH   SOLE   140 0 32,110
Terreno Realty Corp. COM 88146m101 654 10,350 SH   SOLE   0 0 10,350