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
AbbVie Inc. com 00287y109 2,936 29,902 SH   SOLE   28,669 0 1,233
Air Products & Chemical com 009158106 4,349 18,010 SH   SOLE   17,320 0 690
Alibaba Group Holding Ltd. com 01609w102 345 1,600 SH   SOLE   1,600 0 0
Alphabet Inc Cl A com 02079K305 319 225 SH   SOLE   225 0 0
Alphabet Inc-CL C com 02079K107 3,933 2,782 SH   SOLE   2,668 0 114
Amazon.com com 023135106 607 220 SH   SOLE   220 0 0
Ameren Corporation com 023608102 668 9,500 SH   SOLE   9,500 0 0
American International Group com 026874784 771 24,731 SH   SOLE   23,835 0 896
Ameriprise Financial com 03076c106 303 2,020 SH   SOLE   2,020 0 0
Anthem, Inc. com 036752103 2,900 11,027 SH   SOLE   10,565 0 462
Apple Computer com 037833100 5,865 16,076 SH   SOLE   15,535 0 541
Brookfield Asset Management-Cl com 112585104 674 20,475 SH   SOLE   20,475 0 0
CVS Health Corp. com 126650100 3,265 50,249 SH   SOLE   48,951 0 1,298
Capital One Financial Corp. com 14040H105 1,577 25,193 SH   SOLE   24,128 0 1,065
Chevron Corp. com 166764100 2,009 22,515 SH   SOLE   21,668 0 847
Chubb Corp. com h1467j104 1,923 15,190 SH   SOLE   14,504 0 686
Citigroup Inc. com 172967424 1,771 34,654 SH   SOLE   33,387 0 1,267
Comcast Corp. Cl A com 20030n101 2,885 74,003 SH   SOLE   70,853 0 3,150
ConocoPhillips com 20825C104 246 5,850 SH   SOLE   5,200 0 650
Constellation Brands CL A com 21036P108 2,836 16,212 SH   SOLE   15,996 0 216
Corteva Inc. com 22052L104 349 13,036 SH   SOLE   12,392 0 644
Dell Technologies Class C com 24703l202 793 14,426 SH   SOLE   14,218 0 208
Delta Air Lines com 247361702 1,564 55,742 SH   SOLE   53,654 0 2,088
Dow Inc. com 260557103 543 13,334 SH   SOLE   12,690 0 644
Dupont De Nemours com 26614n102 684 12,882 SH   SOLE   12,680 0 202
General Electric com 369604103 102 15,000 SH   SOLE   15,000 0 0
Gilead Sciences Inc com 375558103 227 2,950 SH   SOLE   2,950 0 0
Honeywell International Inc. com 438516106 2,876 19,890 SH   SOLE   19,186 0 704
Intercontinental Exchange Inc. com 45866f104 3,473 37,915 SH   SOLE   36,166 0 1,749
Microsoft Corp. com 594918104 10,092 49,592 SH   SOLE   47,933 0 1,659
NXP Semiconductors NV com N6596X109 1,336 11,711 SH   SOLE   11,423 0 288
Paypal Holdings, Inc. com 70450Y103 1,202 6,900 SH   SOLE   6,900 0 0
Pentair PLC com g7s00t104 473 12,458 SH   SOLE   12,197 0 261
Pioneer Natural Resources Co. com 723787107 1,706 17,457 SH   SOLE   17,200 0 257
Synchrony Financial com 87165b103 1,384 62,451 SH   SOLE   59,269 0 3,182
UnitedHealth Group Inc. com 91324P102 4,644 15,744 SH   SOLE   15,146 0 598
Wells Fargo & Co. com 949746101 1,110 43,364 SH   SOLE   41,336 0 2,028
Williams Company Inc. com 969457100 1,875 98,566 SH   SOLE   97,401 0 1,165
Wyndham Destinations Inc. com 98310W108 530 18,795 SH   SOLE   17,997 0 798
Wyndham Hotels & Resorts Inc. com 98311A105 802 18,818 SH   SOLE   17,991 0 827
Zimmer Biomet Holdings Inc. com 98956P102 227 1,900 SH   SOLE   1,900 0 0
iShares MSCI Emerging Market E com 464287234 280 7,000 SH   SOLE   7,000 0 0
Berkshire Hathaway Inc. cl a 084670108 5,346 20 SH   SOLE   20 0 0