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

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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M Company COM 88579y101 793 4,950 SH   SOLE   175 0 4,775
AT & T Corp. COM 00206R102 3,407 119,493 SH   SOLE   4,550 0 114,943
AbbVie Inc. COM 00287Y109 307 3,500 SH   SOLE   0 0 3,500
Abbott Laboratories COM 002824100 2,207 20,283 SH   SOLE   200 0 20,083
Amgen COM 031162100 280 1,100 SH   SOLE   0 0 1,100
Analog Devices COM 032654105 718 6,150 SH   SOLE   0 0 6,150
Apple Computer COM 037833100 957 8,260 SH   SOLE   0 0 8,260
Aptiv PLC COM G6095L109 2,877 31,383 SH   SOLE   1,500 0 29,883
Automatic Data Proc COM 053015103 377 2,700 SH   SOLE   0 0 2,700
AvalonBay Communities COM 053484101 353 2,364 SH   SOLE   1,031 0 1,333
Bank of America Corp. COM 060505104 5,763 239,213 SH   SOLE   8,000 0 231,213
Borg Warner Inc. COM 099724106 3,653 94,299 SH   SOLE   0 0 94,299
Broadcom Inc. COM 11135F101 494 1,355 SH   SOLE   300 0 1,055
CVS Health Corporation COM 126650100 298 5,105 SH   SOLE   1,500 0 3,605
Chevron Corp. COM 166764100 1,089 15,125 SH   SOLE   350 0 14,775
Cintas Corp COM 172908105 250 750 SH   SOLE   0 0 750
Cisco Systems COM 17275R102 5,764 146,322 SH   SOLE   7,400 0 138,922
Coca-Cola Co. COM 191216100 207 4,200 SH   SOLE   0 0 4,200
Colgate Palmolive COM 194162103 961 12,450 SH   SOLE   4,200 0 8,250
Comcast CL A COM 20030N101 3,988 86,198 SH   SOLE   400 0 85,798
Corning COM 219350105 5,330 164,450 SH   SOLE   4,850 0 159,600
Costco Wholesale Corp. COM 22160k105 2,982 8,400 SH   SOLE   1,700 0 6,700
Devon Energy COM 25179M103 1,216 128,511 SH   SOLE   0 0 128,511
DuPont de Nemours Inc. COM 26614N102 3,146 56,704 SH   SOLE   2,401 0 54,303
EOG Resources, Inc. COM 26875P101 228 6,350 SH   SOLE   2,400 0 3,950
Eaton Corp. PLC COM 086353296 1,921 18,823 SH   SOLE   0 0 18,823
Fedex Corp. COM 31428X106 742 2,950 SH   SOLE   1,000 0 1,950
General Mills COM 370334104 245 3,970 SH   SOLE   0 0 3,970
Halliburton Co. COM 406216101 1,195 99,200 SH   SOLE   0 0 99,200
Home Depot Inc. COM 437076102 1,291 4,650 SH   SOLE   1,800 0 2,850
Honeywell Int'l COM 438516106 6,833 41,508 SH   SOLE   3,150 0 38,358
Intel COM 458140100 6,199 119,717 SH   SOLE   8,500 0 111,217
International Paper COM 460146103 4,691 115,719 SH   SOLE   3,400 0 112,319
JP Morgan Chase & Co. COM 46625H100 2,920 30,330 SH   SOLE   1,500 0 28,830
Japan Smaller Capitalization F COM 47109U104 1,294 149,230 SH   SOLE   8,500 0 140,730
Johnson & Johnson COM 478160104 3,881 26,070 SH   SOLE   1,850 0 24,220
Kimberly-Clark COM 494368103 805 5,450 SH   SOLE   2,000 0 3,450
Lilly, Eli COM 532457108 643 4,344 SH   SOLE   0 0 4,344
Lowe's Companies, Inc. COM 548661107 5,975 36,022 SH   SOLE   1,300 0 34,722
Marathon Oil Corp. COM 565849106 418 102,174 SH   SOLE   0 0 102,174
Merck & Co. COM 58933Y105 6,746 81,326 SH   SOLE   3,700 0 77,626
Microsoft COM 594918104 11,310 53,775 SH   SOLE   4,950 0 48,825
National Fuel Gas COM 636180101 367 9,040 SH   SOLE   4,000 0 5,040
Nestle S A ADR COM 641069406 784 6,575 SH   SOLE   1,875 0 4,700
Nextera Energy Inc. COM 65339F101 346 1,247 SH   SOLE   0 0 1,247
Novartis AG ADR COM 66987V109 734 8,444 SH   SOLE   2,200 0 6,244
PNC Financial Services Grp. COM 693475105 417 3,795 SH   SOLE   0 0 3,795
Paccar Inc. COM 693718108 576 6,750 SH   SOLE   3,000 0 3,750
PayPal Holdings Inc. COM 70450Y103 2,734 13,875 SH   SOLE   0 0 13,875
Paychex Inc COM 704326107 1,424 17,854 SH   SOLE   300 0 17,554
Pfizer Inc. COM 717081103 4,833 131,677 SH   SOLE   10,800 0 120,877
Philips COM 500472303 2,614 55,449 SH   SOLE   0 0 55,449
Procter & Gamble COM 742718109 769 5,532 SH   SOLE   0 0 5,532
Raytheon Technologies Corp. COM 75513E101 1,316 22,876 SH   SOLE   900 0 21,976
Stryker COM 863667101 594 2,850 SH   SOLE   0 0 2,850
Truist Fin'l Corp. COM 89832Q109 2,286 60,074 SH   SOLE   0 0 60,074
Unilever PLC ADR COM 904767704 311 5,037 SH   SOLE   3,200 0 1,837
Vanguard ST Corporate Bond FD COM 92206C409 315 3,800 SH   SOLE   0 0 3,800
Verizon Communications COM 92343V104 3,830 64,380 SH   SOLE   350 0 64,030
Westrock Company COM 96145d105 3,248 93,499 SH   SOLE   3,400 0 90,099
Weyerhaeuser Co. COM 962166104 5,918 207,505 SH   SOLE   6,921 0 200,584