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 1,047 5,896 SH   SOLE   2,120 0 3,776
AMN Healthcare Svcs. COM 001744101 1,284 10,500 SH   SOLE   0 0 10,500
AT&T COM 030177109 266 10,803 SH   SOLE   0 0 10,803
Abbott Laboratories COM 002824100 4,286 30,456 SH   SOLE   182 0 30,274
Abbvie COM 00287Y109 4,660 34,415 SH   SOLE   0 0 34,415
Alphabet Class A COM 02079k305 246 85 SH   SOLE   0 0 85
Alphabet Class A COM 02079k305 72 25 SH   OTR 2 0 0 25
Alphabet Class C COM 02079k107 3,163 1,093 SH   SOLE   0 0 1,093
Alphabet Class C COM 02079k107 674 233 SH   OTR 2 0 0 233
Amazon COM 023135106 2,888 866 SH   SOLE   0 0 866
Amazon COM 023135106 100 30 SH   OTR 2 0 0 30
American Express COM 025816109 2,402 14,681 SH   SOLE   0 0 14,681
American Water Works COM 030420103 1,021 5,405 SH   SOLE   0 0 5,405
Ameriprise Financial COM 03076C106 724 2,400 SH   SOLE   0 0 2,400
Amgen COM 031162100 1,267 5,632 SH   SOLE   600 0 5,032
Anheuser-Busch COM 03524a108 512 8,463 SH   SOLE   0 0 8,463
Apple COM 037833100 6,852 38,585 SH   SOLE   2,200 0 36,385
Apple COM 037833100 994 5,600 SH   OTR 2 0 0 5,600
Applied Materials COM 038222105 2,885 18,332 SH   SOLE   0 0 18,332
Bank America COM 060505104 337 7,571 SH   SOLE   0 0 7,571
Bank of New York Mellon COM 064058100 613 10,560 SH   SOLE   7,392 0 3,168
Becton Dickinson COM 075887109 1,222 4,859 SH   SOLE   0 0 4,859
Blackstone Group COM 09253u108 248 1,920 SH   SOLE   0 0 1,920
Bristol-Myers Squibb COM 110122108 4,230 67,841 SH   SOLE   7,466 0 60,375
Bristol-Myers Squibb COM 110122108 476 7,640 SH   OTR 2 0 0 7,640
CMS Energy COM 125896100 1,000 15,368 SH   SOLE   0 0 15,368
CVS/Caremark COM 126650100 1,478 14,330 SH   SOLE   0 0 14,330
Chevron COM 166764100 1,767 15,057 SH   SOLE   716 0 14,341
Chevron COM 166764100 368 3,139 SH   OTR 2 0 0 3,139
Cigna COM 125509109 322 1,402 SH   SOLE   0 0 1,402
Cisco Systems COM 17275R952 564 8,900 SH   SOLE   0 0 8,900
Cisco Systems COM 17275R952 116 1,838 SH   OTR 2 0 0 1,838
Clorox COM 189054109 3,155 18,096 SH   SOLE   2,320 0 15,776
Coca-Cola COM 191216100 409 6,900 SH   SOLE   0 0 6,900
Cognizant Technology Solutions COM 192446102 222 2,500 SH   SOLE   0 0 2,500
Corteva COM 22052l104 604 12,779 SH   SOLE   0 0 12,779
Corteva COM 22052l104 16 333 SH   OTR 2 0 0 333
D R Horton COM 23331A109 2,334 21,525 SH   SOLE   0 0 21,525
Dell COM 24703l103 1,404 25,000 SH   SOLE   0 0 25,000
Diodes COM 254543101 2,639 24,035 SH   SOLE   0 0 24,035
Discover Financial Services COM 254709108 407 3,520 SH   SOLE   0 0 3,520
Disney COM 254687106 4,222 27,258 SH   SOLE   1,500 0 25,758
Disney COM 254687106 62 400 SH   OTR 2 0 0 400
Dolby Class A COM 25659T107 1,056 11,090 SH   SOLE   0 0 11,090
Dover Corp. COM 260003108 2,325 12,803 SH   SOLE   0 0 12,803
Dow COM 260557103 988 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 1,554 19,232 SH   SOLE   2,958 0 16,274
Du Pont (E.I) de Nemours COM 26614N102 27 333 SH   OTR 2 0 0 333
Eli Lilly COM 532457108 331 1,200 SH   SOLE   0 0 1,200
Emerson Electric COM 291011104 899 9,666 SH   SOLE   3,200 0 6,466
Emerson Electric COM 291011104 375 4,038 SH   OTR 2 0 0 4,038
Equifax COM 294429105 577 1,971 SH   OTR 2 0 0 1,971
Exxon Mobil COM 30231G102 3,031 49,528 SH   SOLE   6,675 0 42,853
Exxon Mobil COM 30231G102 352 5,745 SH   OTR 2 0 0 5,745
FedEx COM 31428x106 813 3,145 SH   SOLE   0 0 3,145
Fidelity National Info. COM 31620M106 291 2,666 SH   OTR 2 0 0 2,666
First American Financial COM 31847r102 1,363 17,425 SH   SOLE   0 0 17,425
General Electric COM 369604103 954 10,096 SH   SOLE   225 0 9,871
General Electric COM 369604103 128 1,360 SH   OTR 2 0 0 1,360
Goldman Sachs COM 38141G104 738 1,930 SH   SOLE   0 0 1,930
Home Depot COM 437076102 4,248 10,235 SH   SOLE   700 0 9,535
Hubbell COM 443510607 1,018 4,890 SH   SOLE   0 0 4,890
Humana COM 444859102 2,141 4,615 SH   SOLE   0 0 4,615
Huntington Bancshares COM 446150104 1,116 72,395 SH   SOLE   0 0 72,395
Huntington Ingalls Ind. COM 446413106 1,117 5,980 SH   SOLE   0 0 5,980
Icon PLC COM G4705A100 2,385 7,701 SH   SOLE   0 0 7,701
Intel COM 458140100 3,428 66,572 SH   SOLE   2,800 0 63,772
Intel COM 458140100 174 3,380 SH   OTR 2 0 0 3,380
International Business Machine COM 459200101 2,159 16,151 SH   SOLE   1,610 0 14,541
Intuit COM 461202103 1,161 1,805 SH   SOLE   0 0 1,805
JPMorgan Chase COM 46625h100 9,831 62,083 SH   SOLE   1,224 0 60,859
JPMorgan Chase COM 46625h100 1,885 11,907 SH   OTR 2 0 0 11,907
Jack Henry & Assoc. COM 426281101 893 5,350 SH   SOLE   0 0 5,350
Jacobs Engineering COM 469814107 1,074 7,715 SH   SOLE   0 0 7,715
Johnson & Johnson COM 478160104 15,873 92,785 SH   SOLE   6,471 0 86,314
Johnson & Johnson COM 478160104 998 5,834 SH   OTR 2 0 0 5,834
Kimberly Clark COM 494368103 14 100 SH   SOLE   0 0 100
Kimberly Clark COM 494368103 406 2,842 SH   OTR 2 0 0 2,842
Kroger COM 501044101 702 15,500 SH   SOLE   0 0 15,500
Laboratory Corp. of America COM 50540r409 2,224 7,079 SH   SOLE   0 0 7,079
Lear Corp. COM 521865204 1,226 6,700 SH   SOLE   0 0 6,700
Lowes COM 548661107 1,331 5,151 SH   SOLE   0 0 5,151
Marriott Vacations Worldwide COM 57164Y107 1,350 7,988 SH   SOLE   0 0 7,988
Masco Corp. COM 574599106 792 11,279 SH   SOLE   0 0 11,279
Match Group COM 57665r106 859 6,496 SH   SOLE   0 0 6,496
McCormick COM 579780206 1,814 18,774 SH   SOLE   9,600 0 9,174
McDonald's Corp. COM 580135101 2,066 7,706 SH   SOLE   1,707 0 5,999
Merck COM 58933y105 2,339 30,514 SH   SOLE   2,548 0 27,966
Merck COM 58933y105 432 5,637 SH   OTR 2 0 0 5,637
Microsoft COM 594918104 5,278 15,692 SH   SOLE   800 0 14,892
Microsoft COM 594918104 503 1,495 SH   OTR 2 0 0 1,495
Mondelez COM 609207105 263 3,971 SH   SOLE   0 0 3,971
Moody's Corp. COM 615369105 369 946 SH   SOLE   0 0 946
Nasdaq COM 631103108 1,891 9,005 SH   SOLE   0 0 9,005
Nestle ADR COM 641069406 5,979 42,749 SH   SOLE   5,000 0 37,749
Newmont Mining Corp. COM 651639106 1,925 31,041 SH   SOLE   0 0 31,041
Norfolk Southern COM 655844108 772 2,594 SH   OTR 2 0 0 2,594
Nvidia Corp. COM 67066G104 1,723 5,860 SH   SOLE   0 0 5,860
Old Republic COM 680223104 664 27,000 SH   SOLE   0 0 27,000
Packaging Corp. COM 695156109 258 1,895 SH   SOLE   0 0 1,895
Paychex COM 704326107 324 2,375 SH   SOLE   0 0 2,375
PepsiCo COM 713448108 3,820 21,993 SH   SOLE   94 0 21,899
PepsiCo COM 713448108 649 3,737 SH   OTR 2 0 0 3,737
Pfizer COM 717081103 7,456 126,265 SH   SOLE   17,446 0 108,819
Pfizer COM 717081103 419 7,098 SH   OTR 2 0 0 7,098
Post Holdings COM 737446104 387 3,430 SH   SOLE   0 0 3,430
Procter & Gamble COM 742718109 5,441 33,264 SH   SOLE   2,437 0 30,827
Procter & Gamble COM 742718109 972 5,943 SH   OTR 2 0 0 5,943
Quaker Houghton COM 747316107 288 1,250 SH   SOLE   0 0 1,250
Qualcomm COM 747525103 1,215 6,643 SH   SOLE   600 0 6,043
Quanta Services COM 74762E102 2,403 20,956 SH   SOLE   0 0 20,956
Reliance Steel & Aluminum COM 759509102 1,587 9,781 SH   SOLE   0 0 9,781
Rockwell Automation COM 773903109 1,736 4,975 SH   SOLE   0 0 4,975
S&P Global COM 78409V104 3,855 8,169 SH   SOLE   500 0 7,669
Schlumberger COM 806857108 118 3,934 SH   SOLE   600 0 3,334
Schlumberger COM 806857108 136 4,531 SH   OTR 2 0 0 4,531
Schwab, Charles COM 808513105 2,956 35,151 SH   SOLE   0 0 35,151
Synopsys COM 871607107 2,525 6,852 SH   SOLE   0 0 6,852
Target COM 87612E106 564 2,437 SH   SOLE   0 0 2,437
Teledyne Technologies COM 879360106 293 671 SH   SOLE   0 0 671
Travelers COM 89417E109 207 1,322 SH   SOLE   0 0 1,322
Truist Financial COM 89832q109 1,403 23,969 SH   SOLE   0 0 23,969
Union Pacific COM 907818108 1,261 5,005 SH   SOLE   400 0 4,605
Union Pacific COM 907818108 535 2,125 SH   OTR 2 0 0 2,125
United Health Group COM 91324P102 1,727 3,440 SH   SOLE   0 0 3,440
United Parcel Service 'B' COM 911312106 1,037 4,840 SH   SOLE   300 0 4,540
United Rentals COM 911363109 710 2,138 SH   SOLE   0 0 2,138
Universal Health Svcs COM 913903100 667 5,145 SH   SOLE   0 0 5,145
VMware COM 928563402 1,276 11,015 SH   SOLE   0 0 11,015
Verisign COM 92343e102 254 1,000 SH   SOLE   0 0 1,000
Verizon Communications COM 92343v104 1,795 34,546 SH   SOLE   1,700 0 32,846
Viatris COM 92556v106 204 15,073 SH   SOLE   2,164 0 12,909
Viatris COM 92556v106 4 259 SH   OTR 2 0 0 259
Wal-Mart Stores COM 931142103 1,778 12,289 SH   SOLE   0 0 12,289
Waste Management COM 94106L109 2,933 17,571 SH   SOLE   0 0 17,571
Westlake Chemical Corp. COM 960413102 652 6,711 SH   SOLE   0 0 6,711
Wyndham Hotels & Resorts COM 98311a105 664 7,408 SH   SOLE   0 0 7,408
Yum! Brands COM 988498101 437 3,145 SH   SOLE   0 0 3,145
Zimmer Biomet COM 98956p102 1,693 13,330 SH   SOLE   1,255 0 12,075
Zimmer Biomet COM 98956p102 285 2,242 SH   OTR 2 0 0 2,242
Zoetis COM 98978v103 2,672 10,950 SH   SOLE   0 0 10,950
Hoya Capital High Dividend Yie COM 26922b840 329 21,185 SH   SOLE   500 0 20,685
Hoya Capital Housing COM 26922a230 8,437 187,583 SH   SOLE   68,393 0 119,190
American Tower Corp. COM 998311450 1,591 5,440 SH   SOLE   50 0 5,390
Digital Realty Trust COM 253868103 345 1,950 SH   SOLE   50 0 1,900
Invitation Homes COM 46187w107 970 21,400 SH   SOLE   0 0 21,400
Mid America Apartment Communit COM 59522J103 1,797 7,831 SH   SOLE   0 0 7,831
Store Cap Corp COM 862121100 1,052 30,590 SH   SOLE   140 0 30,450
Terreno Realty Corp. COM 88146m101 883 10,350 SH   SOLE   0 0 10,350