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 983 4,950 SH   SOLE   175 0 4,775
AT & T Corp. COM 00206R102 3,054 106,105 SH   SOLE   4,550 0 101,555
AbbVie Inc. COM 00287Y109 214 1,900 SH   SOLE   0 0 1,900
Abbott Laboratories COM 002824100 2,164 18,663 SH   SOLE   200 0 18,463
Analog Devices COM 032654105 1,007 5,849 SH   SOLE   0 0 5,849
Apple Computer COM 037833100 1,131 8,260 SH   SOLE   0 0 8,260
Aptiv PLC COM G6095L109 4,882 31,033 SH   SOLE   1,500 0 29,533
Automatic Data Proc COM 053015103 457 2,300 SH   SOLE   0 0 2,300
AvalonBay Communities COM 053484101 493 2,364 SH   SOLE   1,031 0 1,333
Bank New York Mellon Corp. COM 064058100 292 5,700 SH   SOLE   0 0 5,700
Bank of America Corp. COM 060505104 9,210 223,380 SH   SOLE   8,000 0 215,380
Borg Warner Inc. COM 099724106 4,737 97,586 SH   SOLE   0 0 97,586
Broadcom Inc. COM 11135F101 1,075 2,255 SH   SOLE   300 0 1,955
CSX Corp. COM 126408103 223 6,956 SH   SOLE   0 0 6,956
CVS Health Corporation COM 126650100 426 5,105 SH   SOLE   1,500 0 3,605
Caterpillar COM 149123101 221 1,016 SH   SOLE   0 0 1,016
Chevron Corp. COM 166764100 1,788 17,069 SH   SOLE   350 0 16,719
Cintas Corp COM 172908105 248 650 SH   SOLE   0 0 650
Cisco Systems COM 17275R102 7,654 144,423 SH   SOLE   7,400 0 137,023
Coca-Cola Co. COM 191216100 227 4,200 SH   SOLE   0 0 4,200
Colgate Palmolive COM 194162103 1,013 12,448 SH   SOLE   4,200 0 8,248
Comcast CL A COM 20030N101 5,358 93,972 SH   SOLE   400 0 93,572
Conocophillips COM 20825C104 244 4,000 SH   SOLE   0 0 4,000
Corning COM 219350105 6,535 159,775 SH   SOLE   4,850 0 154,925
Costco Wholesale Corp. COM 22160k105 3,314 8,375 SH   SOLE   1,700 0 6,675
Devon Energy COM 25179M103 3,680 126,059 SH   SOLE   0 0 126,059
Dover Corp COM 260003108 226 1,500 SH   SOLE   0 0 1,500
EOG Resources, Inc. COM 26875P101 601 7,200 SH   SOLE   2,400 0 4,800
Eaton Corp. PLC COM 086353296 2,797 18,878 SH   SOLE   0 0 18,878
Ericsson ADR COM 294821608 2,329 185,100 SH   SOLE   700 0 184,400
Exxon Mobil COM 30231G102 248 3,926 SH   SOLE   150 0 3,776
Fedex Corp. COM 31428X106 880 2,950 SH   SOLE   1,000 0 1,950
Freeport-McMoRan, Inc. COM 35671D857 4,021 108,349 SH   SOLE   2,900 0 105,449
General Mills COM 370334104 242 3,970 SH   SOLE   0 0 3,970
Global Payments Inc. COM 37940X102 368 1,960 SH   SOLE   0 0 1,960
Home Depot Inc. COM 437076102 1,451 4,550 SH   SOLE   1,800 0 2,750
Honeywell Int'l COM 438516106 8,830 40,254 SH   SOLE   3,150 0 37,104
Int'l Bus Machines COM 459200101 249 1,700 SH   SOLE   100 0 1,600
Intel COM 458140100 895 15,937 SH   SOLE   6,650 0 9,287
International Paper COM 460146103 7,125 116,216 SH   SOLE   3,400 0 112,816
JP Morgan Chase & Co. COM 46625H100 4,889 31,430 SH   SOLE   1,500 0 29,930
Japan Smaller Capitalization F COM 47109U104 1,290 142,986 SH   SOLE   8,500 0 134,486
Johnson & Johnson COM 478160104 4,033 24,481 SH   SOLE   1,850 0 22,631
Kimberly-Clark COM 494368103 689 5,150 SH   SOLE   2,000 0 3,150
Lilly, Eli COM 532457108 802 3,494 SH   SOLE   0 0 3,494
Lowe's Companies, Inc. COM 548661107 6,508 33,554 SH   SOLE   1,300 0 32,254
Marathon Oil Corp. COM 565849106 1,405 103,150 SH   SOLE   0 0 103,150
Merck & Co. COM 58933Y105 7,036 90,471 SH   SOLE   3,500 0 86,971
Microsoft COM 594918104 13,014 48,040 SH   SOLE   4,950 0 43,090
National Fuel Gas COM 636180101 472 9,040 SH   SOLE   4,000 0 5,040
Nestle S A ADR COM 641069406 820 6,575 SH   SOLE   1,875 0 4,700
Nextera Energy Inc. COM 65339F101 366 4,989 SH   SOLE   0 0 4,989
Nokia Corp ADR COM 654902204 2,600 488,650 SH   SOLE   2,000 0 486,650
Novartis AG ADR COM 66987V109 798 8,744 SH   SOLE   2,200 0 6,544
Organon & Co. COM 68622V106 265 8,751 SH   SOLE   350 0 8,401
PNC Financial Services Grp. COM 693475105 776 4,070 SH   SOLE   0 0 4,070
Paccar Inc. COM 693718108 602 6,750 SH   SOLE   3,000 0 3,750
PayPal Holdings Inc. COM 70450Y103 3,651 12,525 SH   SOLE   0 0 12,525
Paychex Inc COM 704326107 1,916 17,854 SH   SOLE   300 0 17,554
Pfizer Inc. COM 717081103 5,796 148,019 SH   SOLE   10,800 0 137,219
Philips COM 500472303 2,856 57,456 SH   SOLE   0 0 57,456
Pioneer Natural Resources COM 723787107 2,920 17,970 SH   SOLE   0 0 17,970
Procter & Gamble COM 742718109 652 4,830 SH   SOLE   0 0 4,830
Raytheon Technologies Corp. COM 75513E101 2,200 25,785 SH   SOLE   900 0 24,885
Rockwell Automation Inc. COM 773903109 216 755 SH   SOLE   0 0 755
Schlumberger, Ltd. COM 806857108 320 9,999 SH   SOLE   0 0 9,999
Southern Co. COM 842587107 215 3,550 SH   SOLE   300 0 3,250
Stryker COM 863667101 377 1,450 SH   SOLE   0 0 1,450
Truist Fin'l Corp. COM 89832Q109 3,700 66,675 SH   SOLE   0 0 66,675
Unilever PLC ADR COM 904767704 295 5,037 SH   SOLE   3,200 0 1,837
Vanguard Russell 2000 ETF COM 92206C664 1,009 10,901 SH   SOLE   0 0 10,901
Vanguard ST Corporate Bond ETF COM 92206C409 1,481 17,900 SH   SOLE   0 0 17,900
Verizon Communications COM 92343V104 4,565 81,480 SH   SOLE   350 0 81,130
Westrock Company COM 96145d105 5,078 95,407 SH   SOLE   3,400 0 92,007
Weyerhaeuser Co. COM 962166104 7,064 205,228 SH   SOLE   6,921 0 198,307
Vanguard ST Corporate Bond ETF COM 92206C409 893 10,800 SH   SOLE   0 0 10,800