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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
1/100 BERKSHIRE HTWY COMMON 084990175   691,180 100 SH   SOLE   100 0 0
3M CO. COMMON 88579Y101   421,993 3,087 SH   SOLE   3,087 0 0
A T & T INC (NEW) COMMON 00206R102   442,750 20,125 SH   SOLE   20,125 0 0
ABBOTT LABS COMMON 002824100   5,132,388 45,017 SH   SOLE   45,017 0 0
ABBVIE INC COMMON 00287Y109   7,899,792 40,003 SH   SOLE   40,003 0 0
ACCENTURE PLC COMMON G1151C101   22,841,878 64,620 SH   SOLE   64,620 0 0
ADOBE SYS INC COMMON 00724F101   9,365,605 18,088 SH   SOLE   18,088 0 0
ADVANCED MICRO DEVICE COMMON 007903107   615,300 3,750 SH   SOLE   3,750 0 0
AFLAC INC COMMON 001055102   1,817,421 16,256 SH   SOLE   16,256 0 0
AIR PRODS & CHEMS INC COMMON 009158106   4,430,073 14,879 SH   SOLE   14,879 0 0
AKAMAI TECHNOLOGIES I COMMON 00971T101   1,695,152 16,792 SH   SOLE   16,792 0 0
ALLSTATE CORP COMMON 020002101   1,187,209 6,260 SH   SOLE   6,260 0 0
ALPHABET CLASS A COMMON 02079K305   10,747,743 64,804 SH   SOLE   64,804 0 0
ALPHABET CLASS C COMMON 02079K107   34,270,100 204,977 SH   SOLE   204,977 0 0
AMAZON COM INC COMMON 023135106   7,717,230 41,417 SH   SOLE   41,417 0 0
AMENTUM HOLDINGS INC COMMON 023939101   4,052,603 125,662 SH   SOLE   125,662 0 0
AMERICAN AIRLS GROUP COMMON 02376R102   124,764 11,100 SH   SOLE   11,100 0 0
AMERICAN BALANCED FD MUTUAL 024071102   283,768 7,817 SH   SOLE   7,817 0 0
AMERICAN ELECTRIC POW COMMON 025537101   504,792 4,920 SH   SOLE   4,920 0 0
AMERICAN EXPRESS CO. COMMON 025816109   3,695,642 13,627 SH   SOLE   13,627 0 0
AMERICAN FUNDS WASHIN MUTUAL 939330825   289,745 4,507 SH   SOLE   4,507 0 0
AMERICAN HIGH INCOME MUTUAL 026547828   265,889 26,885 SH   SOLE   26,885 0 0
AMERIPRISE FINL INC COMMON 03076C106   3,687,539 7,849 SH   SOLE   7,849 0 0
AMGEN INC COMMON 031162100   4,252,850 13,199 SH   SOLE   13,199 0 0
ANALOG DEVICES INC COMMON 032654105   4,726,311 20,534 SH   SOLE   20,534 0 0
AON PLC SHS CL A COMMON G0403H108   15,443,264 44,635 SH   SOLE   44,635 0 0
APPLE INC COMMON 037833100   55,308,632 237,376 SH   SOLE   237,376 0 0
APPLIED MATLS INC COMMON 038222105   611,201 3,025 SH   SOLE   3,025 0 0
ASML HOLDING N V N Y COMMON N07059210   230,810 277 SH   SOLE   277 0 0
AUTOMATIC DATA PROCES COMMON 053015103   1,856,305 6,708 SH   SOLE   6,708 0 0
BANK OF AMERICA CORP COMMON 060505104   2,870,610 72,344 SH   SOLE   72,344 0 0
BANK OF AMERICA PFD D PREFERR 060505625   2,425,296 107,314 SH   SOLE   107,314 0 0
BECTON DICKINSON & CO COMMON 075887109   13,987,119 58,014 SH   SOLE   58,014 0 0
BERKSHIRE HATHAWAY IN COMMON 084670702   6,423,389 13,956 SH   SOLE   13,956 0 0
BEST BUY INC COMMON 086516101   247,920 2,400 SH   SOLE   2,400 0 0
BK OF AMERICA CORP PF PREFERR 060505633   631,283 27,700 SH   SOLE   27,700 0 0
BLACKROCK FDS V FLTG MUTUAL 09260B747   249,729 25,825 SH   SOLE   25,825 0 0
BLACKROCK INC COMMON 09247X101   837,468 882 SH   SOLE   882 0 0
BLACKSTONE GROUP INC COMMON 09260D107   322,951 2,109 SH   SOLE   2,109 0 0
BRISTOL MYERS SQUIBB COMMON 110122108   1,670,581 32,288 SH   SOLE   32,288 0 0
BROADCOM INC COM COMMON 11135F101   24,957,645 144,682 SH   SOLE   144,682 0 0
BROWN & BROWN INC COMMON 115236101   4,454,904 43,001 SH   SOLE   43,001 0 0
CARRIER GLOBAL CORPOR COMMON 14448C104   1,015,301 12,614 SH   SOLE   12,614 0 0
CATERPILLAR INC COMMON 149123101   1,585,992 4,055 SH   SOLE   4,055 0 0
CDN IMPERIAL BK COMM COMMON 136069101   467,043 7,614 SH   SOLE   7,614 0 0
CDW CORP COMMON 12514G108   4,150,795 18,342 SH   SOLE   18,342 0 0
CHEVRON CORP COMMON 166764100   8,858,871 60,154 SH   SOLE   60,154 0 0
CHUBB LIMITED COMMON H1467J104   500,357 1,735 SH   SOLE   1,735 0 0
CHURCH & DWIGHT CO. COMMON 171340102   376,992 3,600 SH   SOLE   3,600 0 0
CIGNA CORP NEW COM COMMON 125523100   947,860 2,736 SH   SOLE   2,736 0 0
CISCO SYSTEMS INC COMMON 17275R102   3,095,662 58,167 SH   SOLE   58,167 0 0
CME GROUP INC COM COMMON 12572Q105   5,902,576 26,751 SH   SOLE   26,751 0 0
COCA COLA CO. COMMON 191216100   11,638,240 161,957 SH   SOLE   161,957 0 0
COLGATE PALMOLIVE CO COMMON 194162103   2,713,282 26,137 SH   SOLE   26,137 0 0
COLUMBIA FDS SER TR I MUTUAL 19766H429   203,772 1,552 SH   SOLE   1,552 0 0
COMCAST CORP NEW CL A COMMON 20030N101   2,105,083 50,397 SH   SOLE   50,397 0 0
CONOCOPHILLIPS COMMON 20825C104   787,389 7,479 SH   SOLE   7,479 0 0
CONSTELLATION BRANDS COMMON 21036P108   2,587,723 10,042 SH   SOLE   10,042 0 0
CORTEVA INC COM COMMON 22052L104   485,018 8,250 SH   SOLE   8,250 0 0
COSTCO WHOLESALE COMMON 22160K105   8,652,435 9,760 SH   SOLE   9,760 0 0
CSX CORP COMMON 126408103   2,820,583 81,685 SH   SOLE   81,685 0 0
CULLEN FROST BANKERS COMMON 229899109   218,127 1,950 SH   SOLE   1,950 0 0
CVS HEALTH CORP. COMMON 126650100   2,144,631 34,107 SH   SOLE   34,107 0 0
DANAHER CORP COMMON 235851102   13,621,316 48,994 SH   SOLE   48,994 0 0
DARDEN RESTAURANTS IN COMMON 237194105   246,195 1,500 SH   SOLE   1,500 0 0
DEERE & CO. COMMON 244199105   3,444,224 8,253 SH   SOLE   8,253 0 0
DIAGEO PLC COMMON 25243Q205   6,670,130 47,528 SH   SOLE   47,528 0 0
DIAMONDBACK ENERGY IN COMMON 25278X109   1,194,732 6,930 SH   SOLE   6,930 0 0
DOMINION RES INC VA COMMON 25746U109   260,754 4,512 SH   SOLE   4,512 0 0
DOVER CORP COMMON 260003108   453,849 2,367 SH   SOLE   2,367 0 0
DUKE ENERGY CORPORATI COMMON 26441C204   1,003,456 8,703 SH   SOLE   8,703 0 0
EATON CORP PLC SHS COMMON G29183103   11,079,708 33,429 SH   SOLE   33,429 0 0
EMERSON ELECTRIC CO COMMON 291011104   723,701 6,617 SH   SOLE   6,617 0 0
ENBRIDGE INC COMMON 29250N105   2,801,237 68,979 SH   SOLE   68,979 0 0
ENTERPRISE PRODS PART COMMON 293792107   4,035,956 138,645 SH   SOLE   138,645 0 0
EQUINIX INC COM COMMON 29444U700   208,593 235 SH   SOLE   235 0 0
EXXON MOBIL COMMON 30231G102   11,890,907 101,441 SH   SOLE   101,441 0 0
FACTSET RESH SYS COMMON 303075105   206,932 450 SH   SOLE   450 0 0
FEDEX CORP COMMON 31428X106   5,943,082 21,715 SH   SOLE   21,715 0 0
FIDELITY 500 INDEX FU MUTUAL 315911750   289,012 1,440 SH   SOLE   1,440 0 0
FRANKLIN CUSTODIAN FD MUTUAL 353496631   241,009 98,774 SH   SOLE   98,774 0 0
FRANKLIN CUSTODIAN FD MUTUAL 353496805   41,267 16,507 SH   SOLE   16,507 0 0
FRANKLIN MANAGED TR R MUTUAL 353825805   265,710 2,657 SH   SOLE   2,657 0 0
FS KKR CAPITAL CORP C COMMON 302635206   219,477 11,124 SH   SOLE   11,124 0 0
GENERAL ELECTRIC CO C COMMON 369604301   495,965 2,630 SH   SOLE   2,630 0 0
GENERAL MILLS INC COMMON 370334104   319,771 4,330 SH   SOLE   4,330 0 0
GLOBE LIFE INC COMMON 37959E102   317,730 3,000 SH   SOLE   3,000 0 0
GOLDMAN SACHS GROUP I COMMON 38141G104   556,999 1,125 SH   SOLE   1,125 0 0
GOLDMAN SACHS GROUP I PREFERR 38144G804   613,815 27,100 SH   SOLE   27,100 0 0
GOLDMAN SACHS GROUP I PREFERR 38143Y665   4,742,894 204,259 SH   SOLE   204,259 0 0
HERSHEY FOODS CORP COMMON 427866108   517,806 2,700 SH   SOLE   2,700 0 0
HOME DEPOT INC COMMON 437076102   9,121,172 22,510 SH   SOLE   22,510 0 0
HONEYWELL INTL INC COMMON 438516106   6,654,408 32,192 SH   SOLE   32,192 0 0
ILLINOIS TOOL WORKS I COMMON 452308109   561,616 2,143 SH   SOLE   2,143 0 0
INT'L BUSINESS MACHIN COMMON 459200101   2,981,043 13,484 SH   SOLE   13,484 0 0
INTERCONTINENTAL EXCH COMMON 45866F104   6,209,232 38,653 SH   SOLE   38,653 0 0
INTERNATIONAL PAPER C COMMON 460146103   284,551 5,825 SH   SOLE   5,825 0 0
IQVIA HOLDINGS INC COMMON 46266C105   17,893,368 75,509 SH   SOLE   75,509 0 0
J P MORGAN CHASE & CO COMMON 46625H100   27,857,640 132,114 SH   SOLE   132,114 0 0
JACOBS SOLUTIONS INC COMMON 46982L108   16,445,898 125,637 SH   SOLE   125,637 0 0
JOHNSON & JOHNSON COMMON 478160104   16,206,030 100,000 SH   SOLE   100,000 0 0
KIMBERLY CLARK CORP COMMON 494368103   761,909 5,355 SH   SOLE   5,355 0 0
L3 HARRIS TECHNOLOGIE COMMON 502431109   5,069,248 21,311 SH   SOLE   21,311 0 0
LAM RESEARCH CORP COM COMMON 512807108   2,936,256 3,598 SH   SOLE   3,598 0 0
LEIDOS HLDGS INC COMMON 525327102   3,021,531 18,537 SH   SOLE   18,537 0 0
LENNAR CORP COMMON 526057104   12,884,449 68,724 SH   SOLE   68,724 0 0
LILLY, ELI AND CO COMMON 532457108   8,105,465 9,149 SH   SOLE   9,149 0 0
LINDE PLC SHS COMMON G54950103   1,059,106 2,221 SH   SOLE   2,221 0 0
LOCKHEED MARTIN CORP COMMON 539830109   3,847,574 6,582 SH   SOLE   6,582 0 0
LOWE'S COS INC COMMON 548661107   13,541,199 49,995 SH   SOLE   49,995 0 0
LYONDELLBASELL INDUST COMMON N53745100   316,470 3,300 SH   SOLE   3,300 0 0
MARATHON PETE CORP COMMON 56585A102   1,104,530 6,780 SH   SOLE   6,780 0 0
MARSH & MCLENNAN COS COMMON 571748102   494,814 2,218 SH   SOLE   2,218 0 0
MCCORMICK & CO INC COMMON 579780206   2,073,466 25,194 SH   SOLE   25,194 0 0
MCCORMICK & CO INC CO COMMON 579780107   330,160 4,000 SH   SOLE   4,000 0 0
MCDONALD'S CORP COMMON 580135101   21,588,126 70,895 SH   SOLE   70,895 0 0
MEDTRONIC PLC COMMON G5960L103   3,951,957 43,896 SH   SOLE   43,896 0 0
MERCK & COMPANY COMMON 58933Y105   5,507,660 48,500 SH   SOLE   48,500 0 0
META PLATFORMS INC COMMON 30303M102   10,211,773 17,839 SH   SOLE   17,839 0 0
METLIFE INC 4.0 percent PFD PREFERR 59156R504   2,816,273 115,896 SH   SOLE   115,896 0 0
MICROSOFT CORP COMMON 594918104   70,736,094 164,388 SH   SOLE   164,388 0 0
MONDELEZ INTL INC COMMON 609207105   5,039,617 68,408 SH   SOLE   68,408 0 0
MOODYS CORP COMMON 615369105   9,036,849 19,041 SH   SOLE   19,041 0 0
MORGAN STANLEY PFD A PREFERR 61747S504   885,690 38,795 SH   SOLE   38,795 0 0
NETFLIX COM INC COMMON 64110L106   985,176 1,389 SH   SOLE   1,389 0 0
NEXTERA ENERGY INC COMMON 65339F101   5,983,794 70,789 SH   SOLE   70,789 0 0
NIKE INC CL B COMMON 654106103   221,442 2,505 SH   SOLE   2,505 0 0
NORFOLK SOUTHERN CORP COMMON 655844108   2,051,616 8,256 SH   SOLE   8,256 0 0
NOVARTIS ADR COMMON 66987V109   9,355,267 81,336 SH   SOLE   81,336 0 0
NVIDIA CORP COMMON 67066G104   3,728,232 30,700 SH   SOLE   30,700 0 0
NXP SEMICONDUCTORS N COMMON N6596X109   1,015,242 4,230 SH   SOLE   4,230 0 0
ONEOK INC NEW COMMON 682680103   7,429,647 81,528 SH   SOLE   81,528 0 0
ORACLE SYS CORP COMMON 68389X105   32,593,348 191,276 SH   SOLE   191,276 0 0
OTIS WORLDWIDE CORP C COMMON 68902V107   359,425 3,458 SH   SOLE   3,458 0 0
PARKER HANNIFIN CORP COMMON 701094104   5,877,821 9,303 SH   SOLE   9,303 0 0
PEPSICO INC COMMON 713448108   16,168,940 95,083 SH   SOLE   95,083 0 0
PFIZER INC COMMON 717081103   1,843,507 63,701 SH   SOLE   63,701 0 0
PHILLIPS 66 COMMON 718546104   1,394,947 10,612 SH   SOLE   10,612 0 0
PNC FINANCIAL CORP COMMON 693475105   2,326,516 12,586 SH   SOLE   12,586 0 0
PPG INDUSTRIES INC COMMON 693506107   582,824 4,400 SH   SOLE   4,400 0 0
PPL CORP COMMON 69351T106   271,256 8,200 SH   SOLE   8,200 0 0
PROCTER & GAMBLE CO COMMON 742718109   13,862,293 80,036 SH   SOLE   80,036 0 0
PROLOGIS INC COM COMMON 74340W103   683,932 5,416 SH   SOLE   5,416 0 0
PRUDENTIAL FINL INC COMMON 744320102   1,034,454 8,542 SH   SOLE   8,542 0 0
QUALCOMM INC COMMON 747525103   2,905,474 17,086 SH   SOLE   17,086 0 0
RAYMOND JAMES FINANCI COMMON 754730109   1,402,657 11,454 SH   SOLE   11,454 0 0
REGIONS FINANCIAL COR COMMON 7591EP100   205,514 8,809 SH   SOLE   8,809 0 0
RESTAURANT BRANDS INT COMMON 76131D103   382,236 5,300 SH   SOLE   5,300 0 0
ROCHE HLDG LTD ADR COMMON 771195104   2,925,379 72,955 SH   SOLE   72,955 0 0
ROPER INDS INC NEW CO COMMON 776696106   642,688 1,155 SH   SOLE   1,155 0 0
RTX CORPORATION COMMON 75513E101   12,666,272 104,542 SH   SOLE   104,542 0 0
SCHWAB CHARLES CORP COMMON 808513105   8,286,542 127,859 SH   SOLE   127,859 0 0
SCHWAB S&P 500 INDEX MUTUAL 808509855   323,108 3,622 SH   SOLE   3,622 0 0
SIMON PPTY GROUP INC COMMON 828806109   2,167,681 12,825 SH   SOLE   12,825 0 0
SKYWORKS SOLUTIONS IN COMMON 83088M102   256,802 2,600 SH   SOLE   2,600 0 0
SPROTT PHYSICAL GOLD COMMON 85208R101   328,264 13,404 SH   SOLE   13,404 0 0
STARBUCKS CORP COMMON 855244109   525,569 5,391 SH   SOLE   5,391 0 0
S&P GLOBAL INC COM COMMON 78409V104   4,600,798 8,906 SH   SOLE   8,906 0 0
T MOBILE US INC COMMON 872590104   10,459,563 50,686 SH   SOLE   50,686 0 0
TARGET CORP COMMON 87612E106   892,143 5,724 SH   SOLE   5,724 0 0
TEXAS INSTRUMENTS INC COMMON 882508104   558,565 2,704 SH   SOLE   2,704 0 0
TEXAS PACIFIC LAND CO COMMON 88262P102   4,042,377 4,569 SH   SOLE   4,569 0 0
THERMO FISHER SCIENTI COMMON 883556102   15,676,576 25,343 SH   SOLE   25,343 0 0
TOLL BROTHERS INC COMMON 889478103   12,904,086 83,527 SH   SOLE   83,527 0 0
TORONTO DOMINION BK O COMMON 891160509   320,538 5,067 SH   SOLE   5,067 0 0
TRACTOR SUPPLY CO COMMON 892356106   269,110 925 SH   SOLE   925 0 0
TRANE TECHNOLOGIES PL COMMON G8994E103   1,620,615 4,169 SH   SOLE   4,169 0 0
TRAVELERS COMPANIES I COMMON 89417E109   2,564,316 10,953 SH   SOLE   10,953 0 0
TRUIST FINANCIAL CORP COMMON 89832Q109   628,291 14,690 SH   SOLE   14,690 0 0
UBER TECHNOLOGIES INC COMMON 90353T100   338,220 4,500 SH   SOLE   4,500 0 0
UDR INC COMMON 902653104   217,632 4,800 SH   SOLE   4,800 0 0
UNILEVER PLC ADR COMMON 904767704   1,285,883 19,795 SH   SOLE   19,795 0 0
UNION PACIFIC CORP COMMON 907818108   5,222,665 21,189 SH   SOLE   21,189 0 0
UNITED PARCEL SVC INC COMMON 911312106   5,399,200 39,601 SH   SOLE   39,601 0 0
UNITEDHEALTH GROUP IN COMMON 91324P102   16,969,331 29,023 SH   SOLE   29,023 0 0
US BANCORP DEL 5.56 percent PREFERR 902973155   3,202,473 148,883 SH   SOLE   148,883 0 0
VANGUARD BD INDEX FDS MUTUAL 921937686   238,067 2,759 SH   SOLE   2,759 0 0
VANGUARD MUN BD FD IN MUTUAL 922907860   221,285 19,990 SH   SOLE   19,990 0 0
VANGUARD PA TAX FREE MUTUAL 92204L302   229,311 20,865 SH   SOLE   20,865 0 0
VANGUARD US GROWTH FU MUTUAL 921910600   257,156 1,414 SH   SOLE   1,414 0 0
VANGUARD WINDSOR II A MUTUAL 922018304   510,217 5,850 SH   SOLE   5,850 0 0
VANGUARD/PRIMECAP FD MUTUAL 921936209   239,160 1,318 SH   SOLE   1,318 0 0
VANGUARD/WELLINGTON F MUTUAL 921935201   552,656 6,910 SH   SOLE   6,910 0 0
VERALTO CORP COMMON 92338C103   937,622 8,382 SH   SOLE   8,382 0 0
VERIZON COMMUNICATION COMMON 92343V104   1,001,986 22,311 SH   SOLE   22,311 0 0
VICTORY PORTFOLIOS II MUTUAL 903287407   549,825 19,735 SH   SOLE   19,735 0 0
VISA INC COMMON 92826C839   18,586,070 67,598 SH   SOLE   67,598 0 0
VULCAN MATLS CO COM COMMON 929160109   1,236,122 4,936 SH   SOLE   4,936 0 0
WAL MART STORES INC COMMON 931142103   7,276,867 90,116 SH   SOLE   90,116 0 0
WALT DISNEY COMPANY COMMON 254687106   987,198 10,263 SH   SOLE   10,263 0 0
WASTE MGMT INC DEL COMMON 94106L109   4,364,200 21,022 SH   SOLE   21,022 0 0
WATSCO INC COMMON 942622200   8,515,584 17,312 SH   SOLE   17,312 0 0
WELLS FARGO & CO COMMON 949746101   2,070,120 36,646 SH   SOLE   36,646 0 0
WELLTOWER INC COMMON 95040Q104   620,946 4,850 SH   SOLE   4,850 0 0
ZETA GLOBAL HOLDINGS COMMON 98956A105   417,620 14,000 SH   SOLE   14,000 0 0