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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M Company COM 88579Y101   312 2,857 SH   SOLE   0 0 2,857
AFLAC Inc. COM 001055102   645 7,815 SH   SOLE   0 0 7,815
Abbott Laboratories COM 002824100   1,481 13,455 SH   SOLE   0 0 13,455
Alphabet Inc. Class A COM 02079K305   2,059 14,740 SH   SOLE   0 0 14,740
Alphabet Inc. Class C COM 02079K107   1,548 10,986 SH   SOLE   0 0 10,986
American Express Co. COM 025816109   2,197 11,727 SH   SOLE   0 0 11,727
Amgen Inc. COM 031162100   3,806 13,215 SH   SOLE   0 0 13,215
Apple Inc. COM 037833100   7,683 39,903 SH   SOLE   0 0 39,903
Automatic Data Processing Inc. COM 053015103   3,208 13,768 SH   SOLE   0 0 13,768
Avalonbay Communities COM 053484101   1,018 5,440 SH   SOLE   0 0 5,440
Bank of America Corp COM 060505104   252 7,487 SH   SOLE   0 0 7,487
Becton Dickinson & Co. COM 075887109   366 1,501 SH   SOLE   0 0 1,501
Berkshire Hathaway Class B COM 084670702   3,539 9,922 SH   SOLE   0 0 9,922
Boeing Company COM 097023105   448 1,718 SH   SOLE   0 0 1,718
CVS Health Corporation COM 126650100   547 6,928 SH   SOLE   0 0 6,928
Camden Property Trust COM 133131102   1,264 12,735 SH   SOLE   0 0 12,735
Carrier Global Corp COM 14448C104   594 10,347 SH   SOLE   0 0 10,347
Chevron Corp COM 166764100   2,178 14,599 SH   SOLE   0 0 14,599
Chubb Limited COM H1467J104   686 3,035 SH   SOLE   0 0 3,035
Cigna Corporation COM 125523100   383 1,278 SH   SOLE   0 0 1,278
Cisco Systems Inc. COM 17275R102   1,625 32,168 SH   SOLE   0 0 32,168
Coca-Cola Company COM 191216100   6,184 104,937 SH   SOLE   0 0 104,937
Colgate-Palmolive Co COM 194162103   730 9,152 SH   SOLE   0 0 9,152
Comcast cl A COM 20030N101   1,924 43,871 SH   SOLE   0 0 43,871
ConocoPhillips COM 20825C104   1,315 11,330 SH   SOLE   0 0 11,330
Costco Wholesale Corp COM 22160K105   5,665 8,582 SH   SOLE   0 0 8,582
Danaher Corporation COM 235851102   4,854 20,984 SH   SOLE   0 0 20,984
Diageo PLC ADS COM 25243Q205   1,138 7,815 SH   SOLE   0 0 7,815
Dominion Energy, Inc. COM 25746U109   906 19,271 SH   SOLE   0 0 19,271
Dow Inc. COM 260557103   261 4,761 SH   SOLE   0 0 4,761
DuPont de Nemours Inc. COM 26614N102   1,019 13,249 SH   SOLE   0 0 13,249
Duke Energy Corp COM 26441C204   1,493 15,388 SH   SOLE   0 0 15,388
Elevance Health, Inc. COM 036752103   3,278 6,951 SH   SOLE   0 0 6,951
Emerson Electric Co. COM 291011104   1,828 18,782 SH   SOLE   0 0 18,782
Enterprise Products Part LP COM 293792107   278 10,551 SH   SOLE   0 0 10,551
Equity Residential Properties COM 29476L107   502 8,200 SH   SOLE   0 0 8,200
Exxon Mobil Corporation COM 30231G102   3,756 37,571 SH   SOLE   0 0 37,571
Fiserv Inc. COM 337738108   4,320 32,520 SH   SOLE   0 0 32,520
Fortive Corporation COM 34959J108   1,338 18,177 SH   SOLE   0 0 18,177
General Mills Inc. COM 370334104   1,372 21,070 SH   SOLE   0 0 21,070
Genuine Parts Company COM 372460105   824 5,950 SH   SOLE   0 0 5,950
Goldman Sachs Group Inc COM 38141G104   389 1,008 SH   SOLE   0 0 1,008
Home Depot Inc. COM 437076102   6,278 18,117 SH   SOLE   0 0 18,117
Honeywell Intl Inc COM 438516106   3,025 14,423 SH   SOLE   0 0 14,423
Intel Corporation COM 458140100   1,552 30,877 SH   SOLE   0 0 30,877
JPMorgan Chase & Co COM 46625H100   2,991 17,585 SH   SOLE   0 0 17,585
Johnson & Johnson COM 478160104   7,538 48,093 SH   SOLE   0 0 48,093
Lowes Companies Inc. COM 548661107   217 973 SH   SOLE   0 0 973
Merck & Co. Inc. COM 58933Y105   1,547 14,190 SH   SOLE   0 0 14,190
Microsoft Corporation COM 594918104   7,060 18,774 SH   SOLE   0 0 18,774
Mondelez International Inc COM 609207105   3,350 46,254 SH   SOLE   0 0 46,254
Morgan Stanley COM 617446448   767 8,229 SH   SOLE   0 0 8,229
Murphy USA, Inc. COM 626755102   635 1,780 SH   SOLE   0 0 1,780
Nike Inc cl B COM 654106103   449 4,137 SH   SOLE   0 0 4,137
Novo-Nordisk A/S COM 670100205   1,612 15,580 SH   SOLE   0 0 15,580
Nucor Corporation COM 670346105   1,565 8,991 SH   SOLE   0 0 8,991
Otis Worldwide Corp COM 68902V107   463 5,180 SH   SOLE   0 0 5,180
PepsiCo, Inc. COM 713448108   3,410 20,080 SH   SOLE   0 0 20,080
Pfizer Inc. COM 717081103   1,561 54,213 SH   SOLE   0 0 54,213
Phillips 66 COM 718546104   1,029 7,731 SH   SOLE   0 0 7,731
Procter & Gamble Co. COM 742718109   3,458 23,599 SH   SOLE   0 0 23,599
Raytheon Technologies Corp COM 75513E101   1,587 18,862 SH   SOLE   0 0 18,862
Republic Services Inc. COM 760759100   2,038 12,358 SH   SOLE   0 0 12,358
Stryker Corp COM 863667101   1,248 4,169 SH   SOLE   0 0 4,169
Sysco Corporation COM 871829107   3,434 46,954 SH   SOLE   0 0 46,954
TJX Companies Inc. COM 872540109   6,962 74,217 SH   SOLE   0 0 74,217
U.S. Bancorp COM 902973304   1,318 30,442 SH   SOLE   0 0 30,442
Union Pacific Corp. COM 907818108   1,514 6,165 SH   SOLE   0 0 6,165
Veralto Corporation COM 92338c103   572 6,956 SH   SOLE   0 0 6,956
Verizon Communications, Inc. COM 92343V104   937 24,852 SH   SOLE   0 0 24,852
Vontier Corp COM 928881101   204 5,901 SH   SOLE   0 0 5,901
Walt Disney Company COM 254687106   2,406 26,645 SH   SOLE   0 0 26,645
IShares Select Dividend ETF OTR 464287168   425 3,625 SH   SOLE   0 0 3,625
IShares Barclays TIPS ETF OTR 464287176   4,405 40,981 SH   SOLE   0 0 40,981
IShares S&P ST AMT Free ETF OTR 464288158   1,850 17,545 SH   SOLE   0 0 17,545
IShares ST Corp Bond ETF OTR 464288646   4,502 87,795 SH   SOLE   0 0 87,795
SPDR Gold Trust OTR 78463V107   349 1,827 SH   SOLE   0 0 1,827
SPDR S&P 500 ETF Trust OTR 78462f103   2,190 4,607 SH   SOLE   0 0 4,607
Vanguard Ext Mkt ETF OTR 922908652   1,045 6,354 SH   SOLE   0 0 6,354
Vanguard Interm Corp ETF OTR 92206C870   3,940 48,480 SH   SOLE   0 0 48,480
Vanguard Interm Govt ETF OTR 92206C706   3,693 62,250 SH   SOLE   0 0 62,250
Vanguard Sh Term Bond ETF OTR 921937827   8,987 116,686 SH   SOLE   0 0 116,686
Vanguard Sh Term Govt ETF OTR 92206C102   8,338 142,948 SH   SOLE   0 0 142,948
Vanguard Sh Term Corp ETF OTR 92206C409   4,521 58,431 SH   SOLE   0 0 58,431
Vanguard Tot Bond ETF OTR 921937835   739 10,053 SH   SOLE   0 0 10,053
Vanguard FTSE All-World ex-US OTR 922042775   557 9,927 SH   SOLE   0 0 9,927
Vanguard Total Stock Mkt OTR 922908769   1,473 6,211 SH   SOLE   0 0 6,211
iShares S&P Midcap 400 OTR 464287507   318 1,149 SH   SOLE   0 0 1,149
iShr MSCI EAFE ETF OTR 464287465   290 3,853 SH   SOLE   0 0 3,853