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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M Company COM 88579y101 865 4,950 SH   SOLE   175 0 4,775
AT & T Corp. COM 00206R102 3,173 110,343 SH   SOLE   4,550 0 105,793
AbbVie Inc. COM 00287Y109 375 3,500 SH   SOLE   0 0 3,500
Abbott Laboratories COM 002824100 2,188 19,983 SH   SOLE   200 0 19,783
Amgen COM 031162100 253 1,100 SH   SOLE   0 0 1,100
Analog Devices COM 032654105 909 6,150 SH   SOLE   0 0 6,150
Apple Computer COM 037833100 1,096 8,260 SH   SOLE   0 0 8,260
Aptiv PLC COM G6095L109 4,089 31,383 SH   SOLE   1,500 0 29,883
Automatic Data Proc COM 053015103 476 2,700 SH   SOLE   0 0 2,700
AvalonBay Communities COM 053484101 379 2,364 SH   SOLE   1,031 0 1,333
Bank of America Corp. COM 060505104 6,872 226,713 SH   SOLE   8,000 0 218,713
Borg Warner Inc. COM 099724106 3,646 94,349 SH   SOLE   0 0 94,349
Broadcom Inc. COM 11135F101 747 1,705 SH   SOLE   300 0 1,405
CSX Corp. COM 126408103 210 2,319 SH   SOLE   0 0 2,319
CVS Health Corporation COM 126650100 349 5,105 SH   SOLE   1,500 0 3,605
Chevron Corp. COM 166764100 1,273 15,075 SH   SOLE   350 0 14,725
Cintas Corp COM 172908105 230 650 SH   SOLE   0 0 650
Cisco Systems COM 17275R102 6,458 144,306 SH   SOLE   7,400 0 136,906
Coca-Cola Co. COM 191216100 230 4,200 SH   SOLE   0 0 4,200
Colgate Palmolive COM 194162103 1,065 12,450 SH   SOLE   4,200 0 8,250
Comcast CL A COM 20030N101 4,657 88,873 SH   SOLE   400 0 88,473
Corning COM 219350105 5,825 161,800 SH   SOLE   4,850 0 156,950
Costco Wholesale Corp. COM 22160k105 3,156 8,375 SH   SOLE   1,700 0 6,675
Devon Energy COM 25179M103 2,040 129,061 SH   SOLE   0 0 129,061
DuPont de Nemours Inc. COM 26614N102 4,082 57,410 SH   SOLE   2,401 0 55,009
EOG Resources, Inc. COM 26875P101 317 6,350 SH   SOLE   2,400 0 3,950
Eaton Corp. PLC COM 086353296 2,291 19,073 SH   SOLE   0 0 19,073
Fedex Corp. COM 31428X106 766 2,950 SH   SOLE   1,000 0 1,950
General Mills COM 370334104 233 3,970 SH   SOLE   0 0 3,970
Halliburton Co. COM 406216101 1,689 89,350 SH   SOLE   0 0 89,350
Home Depot Inc. COM 437076102 1,235 4,650 SH   SOLE   1,800 0 2,850
Honeywell Int'l COM 438516106 8,659 40,708 SH   SOLE   3,150 0 37,558
Int'l Bus Machines COM 459200101 201 1,600 SH   SOLE   0 0 1,600
Intel COM 458140100 5,735 115,117 SH   SOLE   8,500 0 106,617
International Paper COM 460146103 5,754 115,719 SH   SOLE   3,400 0 112,319
JP Morgan Chase & Co. COM 46625H100 3,956 31,130 SH   SOLE   1,500 0 29,630
Japan Smaller Capitalization F COM 47109U104 1,308 144,723 SH   SOLE   8,500 0 136,223
Johnson & Johnson COM 478160104 4,042 25,682 SH   SOLE   1,850 0 23,832
Kimberly-Clark COM 494368103 735 5,450 SH   SOLE   2,000 0 3,450
Lilly, Eli COM 532457108 733 4,344 SH   SOLE   0 0 4,344
Lowe's Companies, Inc. COM 548661107 5,549 34,572 SH   SOLE   1,300 0 33,272
Marathon Oil Corp. COM 565849106 681 102,150 SH   SOLE   0 0 102,150
Merck & Co. COM 58933Y105 6,564 80,246 SH   SOLE   3,500 0 76,746
Microsoft COM 594918104 11,414 51,317 SH   SOLE   4,950 0 46,367
National Fuel Gas COM 636180101 372 9,040 SH   SOLE   4,000 0 5,040
Nestle S A ADR COM 641069406 775 6,575 SH   SOLE   1,875 0 4,700
Nextera Energy Inc. COM 65339F101 385 4,989 SH   SOLE   0 0 4,989
Novartis AG ADR COM 66987V109 797 8,444 SH   SOLE   2,200 0 6,244
PNC Financial Services Grp. COM 693475105 595 3,995 SH   SOLE   0 0 3,995
Paccar Inc. COM 693718108 582 6,750 SH   SOLE   3,000 0 3,750
PayPal Holdings Inc. COM 70450Y103 3,173 13,550 SH   SOLE   0 0 13,550
Paychex Inc COM 704326107 1,664 17,854 SH   SOLE   300 0 17,554
Pfizer Inc. COM 717081103 4,861 132,044 SH   SOLE   10,800 0 121,244
Philips COM 500472303 3,061 56,514 SH   SOLE   0 0 56,514
Procter & Gamble COM 742718109 770 5,532 SH   SOLE   0 0 5,532
Raytheon Technologies Corp. COM 75513E101 1,668 23,330 SH   SOLE   900 0 22,430
Schlumberger, Ltd. COM 806857108 218 10,000 SH   SOLE   0 0 10,000
Southern Co. COM 842587107 218 3,550 SH   SOLE   300 0 3,250
Stryker COM 863667101 674 2,750 SH   SOLE   0 0 2,750
Truist Fin'l Corp. COM 89832Q109 2,829 59,024 SH   SOLE   0 0 59,024
Unilever PLC ADR COM 904767704 304 5,037 SH   SOLE   3,200 0 1,837
Vanguard Russell 2000 ETF COM 92206C664 351 2,218 SH   SOLE   0 0 2,218
Vanguard ST Corporate Bond ETF COM 92206C409 416 5,000 SH   SOLE   0 0 5,000
Verizon Communications COM 92343V104 3,963 67,455 SH   SOLE   350 0 67,105
Viatris Inc. COM 92556V106 2,179 116,280 SH   SOLE   2,040 0 114,240
Westrock Company COM 96145d105 4,070 93,499 SH   SOLE   3,400 0 90,099
Weyerhaeuser Co. COM 962166104 7,004 208,895 SH   SOLE   6,921 0 201,974