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 878 5,896 SH   SOLE   2,120 0 3,776
AMN Healthcare Svcs. COM 001744101 1,095 10,500 SH   SOLE   0 0 10,500
AT&T COM 030177109 255 10,803 SH   SOLE   0 0 10,803
Abbott Laboratories COM 002824100 3,605 30,456 SH   SOLE   182 0 30,274
Abbvie COM 00287Y109 5,583 34,437 SH   SOLE   0 0 34,437
Alphabet Class A COM 02079k305 236 85 SH   SOLE   0 0 85
Alphabet Class A COM 02079k305 70 25 SH   OTR 2 0 0 25
Alphabet Class C COM 02079k107 3,053 1,093 SH   SOLE   0 0 1,093
Alphabet Class C COM 02079k107 651 233 SH   OTR 2 0 0 233
Amazon COM 023135106 2,823 866 SH   SOLE   0 0 866
Amazon COM 023135106 98 30 SH   OTR 2 0 0 30
American Express COM 025816109 2,745 14,681 SH   SOLE   0 0 14,681
American Water Works COM 030420103 895 5,405 SH   SOLE   0 0 5,405
Ameriprise Financial COM 03076C106 721 2,400 SH   SOLE   0 0 2,400
Amgen COM 031162100 1,362 5,632 SH   SOLE   600 0 5,032
Anheuser-Busch COM 03524a108 508 8,463 SH   SOLE   0 0 8,463
Apple COM 037833100 6,722 38,500 SH   SOLE   2,200 0 36,300
Apple COM 037833100 978 5,600 SH   OTR 2 0 0 5,600
Applied Materials COM 038222105 2,536 19,242 SH   SOLE   0 0 19,242
Bank America COM 060505104 312 7,571 SH   SOLE   0 0 7,571
Bank of New York Mellon COM 064058100 524 10,560 SH   SOLE   7,392 0 3,168
Becton Dickinson COM 075887109 1,292 4,859 SH   SOLE   0 0 4,859
Blackstone Group COM 09253u108 244 1,920 SH   SOLE   0 0 1,920
Bristol-Myers Squibb COM 110122108 4,958 67,896 SH   SOLE   7,466 0 60,430
Bristol-Myers Squibb COM 110122108 558 7,640 SH   OTR 2 0 0 7,640
CMS Energy COM 125896100 1,075 15,368 SH   SOLE   0 0 15,368
CVS/Caremark COM 126650100 1,460 14,425 SH   SOLE   0 0 14,425
Caterpillar COM 149123101 202 908 SH   SOLE   0 0 908
Chevron COM 166764100 2,461 15,113 SH   SOLE   716 0 14,397
Chevron COM 166764100 499 3,064 SH   OTR 2 0 0 3,064
Cigna COM 125509109 336 1,402 SH   SOLE   0 0 1,402
Cisco Systems COM 17275R952 496 8,900 SH   SOLE   0 0 8,900
Cisco Systems COM 17275R952 102 1,838 SH   OTR 2 0 0 1,838
Clorox COM 189054109 2,516 18,096 SH   SOLE   2,320 0 15,776
Coca-Cola COM 191216100 428 6,900 SH   SOLE   0 0 6,900
Cognizant Technology Solutions COM 192446102 224 2,500 SH   SOLE   0 0 2,500
Corteva COM 22052l104 732 12,737 SH   SOLE   0 0 12,737
Corteva COM 22052l104 19 333 SH   OTR 2 0 0 333
D R Horton COM 23331A109 1,604 21,525 SH   SOLE   0 0 21,525
Dell COM 24703l103 1,255 25,000 SH   SOLE   0 0 25,000
Diodes COM 254543101 2,091 24,035 SH   SOLE   0 0 24,035
Discover Financial Services COM 254709108 388 3,520 SH   SOLE   0 0 3,520
Disney COM 254687106 3,739 27,258 SH   SOLE   1,500 0 25,758
Disney COM 254687106 55 400 SH   OTR 2 0 0 400
Dolby Class A COM 25659T107 867 11,090 SH   SOLE   0 0 11,090
Dover Corp. COM 260003108 2,224 14,176 SH   SOLE   0 0 14,176
Dow COM 260557103 1,110 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 1,415 19,232 SH   SOLE   2,958 0 16,274
Du Pont (E.I) de Nemours COM 26614N102 25 333 SH   OTR 2 0 0 333
Eli Lilly COM 532457108 344 1,200 SH   SOLE   0 0 1,200
Emerson Electric COM 291011104 951 9,703 SH   SOLE   3,200 0 6,503
Emerson Electric COM 291011104 396 4,038 SH   OTR 2 0 0 4,038
Equifax COM 294429105 467 1,971 SH   OTR 2 0 0 1,971
Exxon Mobil COM 30231G102 4,091 49,528 SH   SOLE   6,675 0 42,853
Exxon Mobil COM 30231G102 474 5,745 SH   OTR 2 0 0 5,745
FedEx COM 31428x106 731 3,159 SH   SOLE   0 0 3,159
Fidelity National Info. COM 31620M106 268 2,666 SH   OTR 2 0 0 2,666
First American Financial COM 31847r102 1,129 17,425 SH   SOLE   0 0 17,425
General Electric COM 369604301 920 10,054 SH   SOLE   225 0 9,829
General Electric COM 369604301 124 1,360 SH   OTR 2 0 0 1,360
Goldman Sachs COM 38141G104 637 1,930 SH   SOLE   0 0 1,930
Home Depot COM 437076102 3,064 10,235 SH   SOLE   700 0 9,535
Hubbell COM 443510607 899 4,890 SH   SOLE   0 0 4,890
Humana COM 444859102 2,012 4,624 SH   SOLE   0 0 4,624
Huntington Bancshares COM 446150104 1,573 107,595 SH   SOLE   0 0 107,595
Huntington Ingalls Ind. COM 446413106 1,302 6,527 SH   SOLE   0 0 6,527
Icon PLC COM G4705A100 1,873 7,701 SH   SOLE   0 0 7,701
Intel COM 458140100 3,299 66,572 SH   SOLE   2,800 0 63,772
Intel COM 458140100 168 3,380 SH   OTR 2 0 0 3,380
International Business Machine COM 459200101 2,109 16,223 SH   SOLE   1,610 0 14,613
Intuit COM 461202103 870 1,809 SH   SOLE   0 0 1,809
JPMorgan Chase COM 46625h100 8,463 62,083 SH   SOLE   1,224 0 60,859
JPMorgan Chase COM 46625h100 1,623 11,907 SH   OTR 2 0 0 11,907
Jack Henry & Assoc. COM 426281101 1,054 5,350 SH   SOLE   0 0 5,350
Jacobs Engineering COM 469814107 1,523 11,055 SH   SOLE   0 0 11,055
Johnson & Johnson COM 478160104 16,444 92,785 SH   SOLE   6,471 0 86,314
Johnson & Johnson COM 478160104 1,025 5,784 SH   OTR 2 0 0 5,784
Kimberly Clark COM 494368103 12 100 SH   SOLE   0 0 100
Kimberly Clark COM 494368103 350 2,842 SH   OTR 2 0 0 2,842
Kroger COM 501044101 889 15,500 SH   SOLE   0 0 15,500
Laboratory Corp. of America COM 50540r409 1,866 7,079 SH   SOLE   0 0 7,079
Lear Corp. COM 521865204 955 6,700 SH   SOLE   0 0 6,700
Lowes COM 548661107 1,051 5,196 SH   SOLE   0 0 5,196
Marriott Vacations Worldwide COM 57164Y107 1,260 7,988 SH   SOLE   0 0 7,988
Masco Corp. COM 574599106 575 11,279 SH   SOLE   0 0 11,279
Match Group COM 57665r106 706 6,496 SH   SOLE   0 0 6,496
McCormick COM 579780206 1,823 18,266 SH   SOLE   9,600 0 8,666
McDonald's Corp. COM 580135101 1,906 7,706 SH   SOLE   1,707 0 5,999
Merck COM 58933y105 2,504 30,514 SH   SOLE   2,548 0 27,966
Merck COM 58933y105 463 5,637 SH   OTR 2 0 0 5,637
Microsoft COM 594918104 4,906 15,912 SH   SOLE   800 0 15,112
Microsoft COM 594918104 461 1,495 SH   OTR 2 0 0 1,495
Mondelez COM 609207105 249 3,971 SH   SOLE   0 0 3,971
Moody's Corp. COM 615369105 319 946 SH   SOLE   0 0 946
Nasdaq COM 631103108 1,605 9,005 SH   SOLE   0 0 9,005
Nestle ADR COM 641069406 5,571 42,654 SH   SOLE   5,000 0 37,654
Newmont Mining Corp. COM 651639106 2,411 30,341 SH   SOLE   0 0 30,341
Norfolk Southern COM 655844108 727 2,549 SH   OTR 2 0 0 2,549
Nvidia Corp. COM 67066G104 1,599 5,860 SH   SOLE   0 0 5,860
Old Republic COM 680223104 698 27,000 SH   SOLE   0 0 27,000
Packaging Corp. COM 695156109 296 1,895 SH   SOLE   0 0 1,895
Paychex COM 704326107 324 2,375 SH   SOLE   0 0 2,375
PepsiCo COM 713448108 3,676 21,960 SH   SOLE   94 0 21,866
PepsiCo COM 713448108 620 3,707 SH   OTR 2 0 0 3,707
Pfizer COM 717081103 6,537 126,265 SH   SOLE   17,446 0 108,819
Pfizer COM 717081103 367 7,098 SH   OTR 2 0 0 7,098
Procter & Gamble COM 742718109 5,083 33,264 SH   SOLE   2,437 0 30,827
Procter & Gamble COM 742718109 900 5,893 SH   OTR 2 0 0 5,893
Quaker Houghton COM 747316107 216 1,250 SH   SOLE   0 0 1,250
Qualcomm COM 747525103 1,085 7,102 SH   SOLE   600 0 6,502
Quanta Services COM 74762E102 2,758 20,956 SH   SOLE   0 0 20,956
Reliance Steel & Aluminum COM 759509102 1,793 9,781 SH   SOLE   0 0 9,781
Rockwell Automation COM 773903109 1,393 4,975 SH   SOLE   0 0 4,975
S&P Global COM 78409V104 3,351 8,169 SH   SOLE   500 0 7,669
Schlumberger COM 806857108 163 3,934 SH   SOLE   600 0 3,334
Schlumberger COM 806857108 187 4,531 SH   OTR 2 0 0 4,531
Schwab, Charles COM 808513105 3,098 36,751 SH   SOLE   0 0 36,751
Synopsys COM 871607107 1,653 4,960 SH   SOLE   0 0 4,960
Target COM 87612E106 517 2,437 SH   SOLE   0 0 2,437
Teledyne Technologies COM 879360106 317 671 SH   SOLE   0 0 671
Travelers COM 89417E109 242 1,322 SH   SOLE   0 0 1,322
Truist Financial COM 89832q109 1,556 27,439 SH   SOLE   0 0 27,439
Union Pacific COM 907818108 1,285 4,705 SH   SOLE   400 0 4,305
Union Pacific COM 907818108 581 2,125 SH   OTR 2 0 0 2,125
United Health Group COM 91324P102 1,754 3,440 SH   SOLE   0 0 3,440
United Parcel Service 'B' COM 911312106 1,038 4,840 SH   SOLE   300 0 4,540
United Rentals COM 911363109 759 2,138 SH   SOLE   0 0 2,138
VMware COM 928563402 1,254 11,015 SH   SOLE   0 0 11,015
Verisign COM 92343e102 222 1,000 SH   SOLE   0 0 1,000
Verizon Communications COM 92343v104 1,751 34,382 SH   SOLE   1,700 0 32,682
Viatris COM 92556v106 164 15,073 SH   SOLE   2,164 0 12,909
Viatris COM 92556v106 3 259 SH   OTR 2 0 0 259
Wal-Mart Stores COM 931142103 1,834 12,314 SH   SOLE   0 0 12,314
Waste Management COM 94106L109 2,785 17,571 SH   SOLE   0 0 17,571
Westlake Chemical Corp. COM 960413102 828 6,711 SH   SOLE   0 0 6,711
Wyndham Hotels & Resorts COM 98311a105 627 7,408 SH   SOLE   0 0 7,408
Yum! Brands COM 988498101 373 3,145 SH   SOLE   0 0 3,145
Zimmer Biomet COM 98956p102 1,705 13,330 SH   SOLE   1,255 0 12,075
Zimmer Biomet COM 98956p102 287 2,242 SH   OTR 2 0 0 2,242
Zoetis COM 98978v103 2,065 10,950 SH   SOLE   0 0 10,950
Hoya Capital High Dividend Yie COM 26922b840 325 21,810 SH   SOLE   600 0 21,210
Hoya Capital Housing COM 26922a230 7,124 184,140 SH   SOLE   64,950 0 119,190
American Tower Corp. COM 998311450 1,354 5,390 SH   SOLE   0 0 5,390
Digital Realty Trust COM 253868103 269 1,900 SH   SOLE   0 0 1,900
Invitation Homes COM 46187w107 860 21,400 SH   SOLE   0 0 21,400
Mid America Apartment Communit COM 59522J103 1,640 7,831 SH   SOLE   0 0 7,831
Store Cap Corp COM 862121100 890 30,450 SH   SOLE   0 0 30,450
Terreno Realty Corp. COM 88146m101 766 10,350 SH   SOLE   0 0 10,350