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
3M CO. COMMON 88579Y101   326,250 2,143 SH   SOLE   2,143 0 0
A T & T INC (NEW) COMMON 00206R102   616,596 21,306 SH   SOLE   21,306 0 0
ABBOTT LABS COMMON 002824100   6,333,714 46,568 SH   SOLE   46,568 0 0
ABBVIE INC COMMON 00287Y109   7,446,703 40,118 SH   SOLE   40,118 0 0
ACCENTURE PLC COMMON G1151C101   18,438,524 61,690 SH   SOLE   61,690 0 0
ADOBE SYS INC COMMON 00724F101   4,538,876 11,732 SH   SOLE   11,732 0 0
AFLAC INC COMMON 001055102   1,714,252 16,255 SH   SOLE   16,255 0 0
AGNICO EAGLE MINES LT COMMON 008474108   297,325 2,500 SH   SOLE   2,500 0 0
AIR PRODS & CHEMS INC COMMON 009158106   4,016,252 14,239 SH   SOLE   14,239 0 0
ALAMOS GOLD INC NEW C COMMON 011532108   265,600 10,000 SH   SOLE   10,000 0 0
ALLSTATE CORP COMMON 020002101   1,258,791 6,253 SH   SOLE   6,253 0 0
ALPHABET CLASS A COMMON 02079K305   10,335,008 58,645 SH   SOLE   58,645 0 0
ALPHABET CLASS C COMMON 02079K107   34,719,744 195,725 SH   SOLE   195,725 0 0
ALTRIA GROUP INC COMMON 02209S103   553,115 9,434 SH   SOLE   9,434 0 0
AMAZON COM INC COMMON 023135106   10,833,917 49,382 SH   SOLE   49,382 0 0
AMENTUM HOLDINGS INC COMMON 023939101   851,329 36,058 SH   SOLE   36,058 0 0
AMERICAN BALANCED FD MUTUAL 024071102   307,800 8,389 SH   SOLE   8,389 0 0
AMERICAN ELECTRIC POW COMMON 025537101   516,206 4,975 SH   SOLE   4,975 0 0
AMERICAN EXPRESS CO. COMMON 025816109   5,329,837 16,709 SH   SOLE   16,709 0 0
AMERICAN FUNDS WASHIN MUTUAL 939330825   316,368 4,960 SH   SOLE   4,960 0 0
AMERIPRISE FINL INC COMMON 03076C106   3,975,755 7,449 SH   SOLE   7,449 0 0
AMGEN INC COMMON 031162100   4,127,841 14,784 SH   SOLE   14,784 0 0
AMPHENOL CORP CL A COMMON 032095101   970,219 9,825 SH   SOLE   9,825 0 0
ANALOG DEVICES INC COMMON 032654105   4,882,742 20,514 SH   SOLE   20,514 0 0
AON PLC SHS CL A COMMON G0403H108   14,488,024 40,610 SH   SOLE   40,610 0 0
APPLE INC COMMON 037833100   45,702,397 222,754 SH   SOLE   222,754 0 0
APPLIED MATLS INC COMMON 038222105   781,343 4,268 SH   SOLE   4,268 0 0
ASML HOLDING N V N Y COMMON N07059210   282,089 352 SH   SOLE   352 0 0
AUTOMATIC DATA PROCES COMMON 053015103   1,728,274 5,604 SH   SOLE   5,604 0 0
BANK OF AMERICA CORP COMMON 060505104   3,478,872 73,518 SH   SOLE   73,518 0 0
BANK OF AMERICA PFD D PREFERR 060505625   1,881,340 94,020 SH   SOLE   94,020 0 0
BECTON DICKINSON & CO COMMON 075887109   7,679,381 44,583 SH   SOLE   44,583 0 0
BERKSHIRE HATHAWAY IN COMMON 084670702   6,619,102 13,626 SH   SOLE   13,626 0 0
BERKSHIRE HATHAWAY IN COMMON 084670108   728,800 1 SH   SOLE   1 0 0
BK OF AMERICA CORP PF PREFERR 060505633   622,652 30,100 SH   SOLE   30,100 0 0
BLACKROCK INC COM COMMON 09290D101   955,867 911 SH   SOLE   911 0 0
BLACKSTONE GROUP INC COMMON 09260D107   315,464 2,109 SH   SOLE   2,109 0 0
BRISTOL MYERS SQUIBB COMMON 110122108   1,591,080 34,372 SH   SOLE   34,372 0 0
BROADCOM INC COM COMMON 11135F101   38,577,218 139,950 SH   SOLE   139,950 0 0
BROWN & BROWN INC COMMON 115236101   5,065,983 45,693 SH   SOLE   45,693 0 0
CAPITAL WORLD GROWTH MUTUAL 140543109   203,934 2,867 SH   SOLE   2,867 0 0
CARRIER GLOBAL CORPOR COMMON 14448C104   886,258 12,109 SH   SOLE   12,109 0 0
CATERPILLAR INC COMMON 149123101   1,552,840 4,000 SH   SOLE   4,000 0 0
CDN IMPERIAL BK COMM COMMON 136069101   539,300 7,614 SH   SOLE   7,614 0 0
CDW CORP COMMON 12514G108   2,856,904 15,997 SH   SOLE   15,997 0 0
CHEVRON CORP COMMON 166764100   8,287,113 57,875 SH   SOLE   57,875 0 0
CHUBB LIMITED COMMON H1467J104   502,664 1,735 SH   SOLE   1,735 0 0
CHURCH & DWIGHT CO. COMMON 171340102   345,996 3,600 SH   SOLE   3,600 0 0
CIGNA CORP NEW COM COMMON 125523100   901,492 2,727 SH   SOLE   2,727 0 0
CISCO SYSTEMS INC COMMON 17275R102   4,013,860 57,853 SH   SOLE   57,853 0 0
CME GROUP INC COM COMMON 12572Q105   7,120,980 25,836 SH   SOLE   25,836 0 0
COCA COLA CO. COMMON 191216100   10,689,250 151,085 SH   SOLE   151,085 0 0
COLGATE PALMOLIVE CO COMMON 194162103   2,125,878 23,387 SH   SOLE   23,387 0 0
COMCAST CORP NEW CL A COMMON 20030N101   537,027 15,047 SH   SOLE   15,047 0 0
CONOCOPHILLIPS COMMON 20825C104   563,298 6,277 SH   SOLE   6,277 0 0
CONSTELLATION BRANDS COMMON 21036P108   1,490,637 9,163 SH   SOLE   9,163 0 0
COSTCO WHOLESALE COMMON 22160K105   9,609,348 9,707 SH   SOLE   9,707 0 0
CSX CORP COMMON 126408103   2,555,941 78,331 SH   SOLE   78,331 0 0
CVS HEALTH CORP. COMMON 126650100   376,079 5,452 SH   SOLE   5,452 0 0
DANAHER CORP COMMON 235851102   9,027,066 45,697 SH   SOLE   45,697 0 0
DARDEN RESTAURANTS IN COMMON 237194105   326,955 1,500 SH   SOLE   1,500 0 0
DEERE & CO. COMMON 244199105   4,144,702 8,151 SH   SOLE   8,151 0 0
DIAGEO PLC COMMON 25243Q205   329,776 3,270 SH   SOLE   3,270 0 0
DIAMONDBACK ENERGY IN COMMON 25278X109   1,320,414 9,610 SH   SOLE   9,610 0 0
DOVER CORP COMMON 260003108   433,705 2,367 SH   SOLE   2,367 0 0
DUKE ENERGY CORPORATI COMMON 26441C204   1,852,954 15,703 SH   SOLE   15,703 0 0
EATON CORP PLC SHS COMMON G29183103   12,982,298 36,366 SH   SOLE   36,366 0 0
EMERA INC COM COMMON 290876101   218,607 4,771 SH   SOLE   4,771 0 0
EMERSON ELECTRIC CO COMMON 291011104   915,710 6,868 SH   SOLE   6,868 0 0
ENBRIDGE INC COMMON 29250N105   2,777,164 61,279 SH   SOLE   61,279 0 0
ENTERPRISE PRODS PART COMMON 293792107   4,261,859 137,435 SH   SOLE   137,435 0 0
EXXON MOBIL COMMON 30231G102   10,708,415 99,336 SH   SOLE   99,336 0 0
F M C CORP COM COMMON 302491303   205,243 4,916 SH   SOLE   4,916 0 0
FACTSET RESH SYS COMMON 303075105   201,276 450 SH   SOLE   450 0 0
FEDEX CORP COMMON 31428X106   1,421,142 6,252 SH   SOLE   6,252 0 0
FIDELITY 500 INDEX FU MUTUAL 315911750   216,952 1,004 SH   SOLE   1,004 0 0
FIDELITY NATIONAL FIN COMMON 31620R303   452,628 8,074 SH   SOLE   8,074 0 0
FRANKLIN CUSTODIAN FD MUTUAL 353496631   237,058 98,774 SH   SOLE   98,774 0 0
FRANKLIN MANAGED TR R MUTUAL 353825805   275,020 2,925 SH   SOLE   2,925 0 0
FS KKR CAPITAL CORP C COMMON 302635206   230,823 11,124 SH   SOLE   11,124 0 0
GE AEROSPACE COMMON 369604301   712,456 2,768 SH   SOLE   2,768 0 0
GE VERNOVA INC COMMON 36828A101   369,876 699 SH   SOLE   699 0 0
GLOBE LIFE INC COMMON 37959E102   372,870 3,000 SH   SOLE   3,000 0 0
GOLDMAN SACHS GROUP I COMMON 38141G104   866,994 1,225 SH   SOLE   1,225 0 0
GOLDMAN SACHS GROUP I PREFERR 38144G804   494,888 23,850 SH   SOLE   23,850 0 0
GOLDMAN SACHS GROUP I PREFERR 38143Y665   3,904,676 184,531 SH   SOLE   184,531 0 0
HERSHEY FOODS CORP COMMON 427866108   448,065 2,700 SH   SOLE   2,700 0 0
HOME DEPOT INC COMMON 437076102   7,689,541 20,973 SH   SOLE   20,973 0 0
HONEYWELL INTL INC COMMON 438516106   7,055,565 30,297 SH   SOLE   30,297 0 0
ILLINOIS TOOL WORKS I COMMON 452308109   621,587 2,514 SH   SOLE   2,514 0 0
INTERCONTINENTAL EXCH COMMON 45866F104   7,968,102 43,430 SH   SOLE   43,430 0 0
INTERNATIONAL PAPER C COMMON 460146103   272,785 5,825 SH   SOLE   5,825 0 0
INT'L BUSINESS MACHIN COMMON 459200101   3,597,200 12,203 SH   SOLE   12,203 0 0
IQVIA HOLDINGS INC COMMON 46266C105   10,790,660 68,473 SH   SOLE   68,473 0 0
J P MORGAN CHASE & CO COMMON 46625H100   36,766,700 126,821 SH   SOLE   126,821 0 0
JACOBS SOLUTIONS INC COMMON 46982L108   16,054,251 122,132 SH   SOLE   122,132 0 0
JOHNSON & JOHNSON COMMON 478160104   14,110,055 92,374 SH   SOLE   92,374 0 0
KIMBERLY CLARK CORP COMMON 494368103   561,447 4,355 SH   SOLE   4,355 0 0
L3 HARRIS TECHNOLOGIE COMMON 502431109   5,438,964 21,683 SH   SOLE   21,683 0 0
LAM RESEARCH CORP COMMON 512807306   13,486,554 138,551 SH   SOLE   138,551 0 0
LEIDOS HLDGS INC COMMON 525327102   2,861,293 18,137 SH   SOLE   18,137 0 0
LENNAR CORP COMMON 526057104   6,548,320 59,202 SH   SOLE   59,202 0 0
LILLY, ELI AND CO COMMON 532457108   5,317,174 6,821 SH   SOLE   6,821 0 0
LINDE PLC SHS COMMON G54950103   948,213 2,021 SH   SOLE   2,021 0 0
LOCKHEED MARTIN CORP COMMON 539830109   3,181,309 6,869 SH   SOLE   6,869 0 0
LOWE'S COS INC COMMON 548661107   10,376,421 46,768 SH   SOLE   46,768 0 0
MARATHON PETE CORP COMMON 56585A102   960,116 5,780 SH   SOLE   5,780 0 0
MARSH & MCLENNAN COS COMMON 571748102   464,173 2,123 SH   SOLE   2,123 0 0
MCCORMICK & CO INC COMMON 579780206   838,645 11,061 SH   SOLE   11,061 0 0
MCCORMICK & CO INC CO COMMON 579780107   302,038 4,000 SH   SOLE   4,000 0 0
MCDONALD'S CORP COMMON 580135101   19,592,341 67,058 SH   SOLE   67,058 0 0
MEDTRONIC PLC COMMON G5960L103   3,572,924 40,988 SH   SOLE   40,988 0 0
MERCK & COMPANY COMMON 58933Y105   3,110,434 39,293 SH   SOLE   39,293 0 0
META PLATFORMS INC COMMON 30303M102   14,403,088 19,514 SH   SOLE   19,514 0 0
METLIFE INC 4.0 percent PFD PREFERR 59156R504   2,436,867 105,128 SH   SOLE   105,128 0 0
MICROSOFT CORP COMMON 594918104   76,000,197 152,792 SH   SOLE   152,792 0 0
MILLROSE PROPERTIES I COMMON 601137102   687,633 24,119 SH   SOLE   24,119 0 0
MONDELEZ INTL INC COMMON 609207105   4,370,247 64,802 SH   SOLE   64,802 0 0
MOODYS CORP COMMON 615369105   8,608,182 17,162 SH   SOLE   17,162 0 0
MORGAN STANLEY PFD A PREFERR 61747S504   784,837 36,795 SH   SOLE   36,795 0 0
NETFLIX COM INC COMMON 64110L106   1,726,139 1,289 SH   SOLE   1,289 0 0
NEXTERA ENERGY INC COMMON 65339F101   6,719,092 96,789 SH   SOLE   96,789 0 0
NISOURCE INC COMMON 65473P105   843,106 20,900 SH   SOLE   20,900 0 0
NORFOLK SOUTHERN CORP COMMON 655844108   2,135,046 8,341 SH   SOLE   8,341 0 0
NOVARTIS ADR COMMON 66987V109   8,996,367 74,344 SH   SOLE   74,344 0 0
NVIDIA CORP COMMON 67066G104   7,462,658 47,235 SH   SOLE   47,235 0 0
NXP SEMICONDUCTORS N COMMON N6596X109   920,935 4,215 SH   SOLE   4,215 0 0
ONEOK INC NEW COMMON 682680103   7,401,882 90,676 SH   SOLE   90,676 0 0
ORACLE SYS CORP COMMON 68389X105   38,409,069 175,681 SH   SOLE   175,681 0 0
OTIS WORLDWIDE CORP C COMMON 68902V107   331,321 3,346 SH   SOLE   3,346 0 0
PARKER HANNIFIN CORP COMMON 701094104   6,685,056 9,571 SH   SOLE   9,571 0 0
PEPSICO INC COMMON 713448108   12,085,584 91,530 SH   SOLE   91,530 0 0
PFIZER INC COMMON 717081103   1,379,571 56,913 SH   SOLE   56,913 0 0
PHILLIPS 66 COMMON 718546104   1,222,706 10,249 SH   SOLE   10,249 0 0
PNC FINANCIAL CORP COMMON 693475105   2,761,433 14,813 SH   SOLE   14,813 0 0
PPG INDUSTRIES INC COMMON 693506107   500,500 4,400 SH   SOLE   4,400 0 0
PPL CORP COMMON 69351T106   246,177 7,264 SH   SOLE   7,264 0 0
PROCTER & GAMBLE CO COMMON 742718109   12,901,107 80,976 SH   SOLE   80,976 0 0
PROLOGIS INC COM COMMON 74340W103   576,583 5,485 SH   SOLE   5,485 0 0
PRUDENTIAL FINL INC COMMON 744320102   821,932 7,650 SH   SOLE   7,650 0 0
QUALCOMM INC COMMON 747525103   2,476,812 15,552 SH   SOLE   15,552 0 0
RAYMOND JAMES FINANCI COMMON 754730109   1,488,302 9,704 SH   SOLE   9,704 0 0
REGIONS FINANCIAL COR COMMON 7591EP100   207,188 8,809 SH   SOLE   8,809 0 0
ROCHE HLDG LTD ADR COMMON 771195104   2,503,494 61,696 SH   SOLE   61,696 0 0
ROPER INDS INC NEW CO COMMON 776696106   617,856 1,090 SH   SOLE   1,090 0 0
RTX CORPORATION COMMON 75513E101   15,570,815 106,635 SH   SOLE   106,635 0 0
S&P GLOBAL INC COM COMMON 78409V104   4,563,079 8,654 SH   SOLE   8,654 0 0
SANDOZ GROUP AG SPONS COMMON 799926100   242,301 4,442 SH   SOLE   4,442 0 0
SCHWAB CHARLES CORP COMMON 808513105   11,316,315 124,028 SH   SOLE   124,028 0 0
SCHWAB S&P 500 INDEX MUTUAL 808509855   347,194 3,622 SH   SOLE   3,622 0 0
SIMON PPTY GROUP INC COMMON 828806109   2,001,462 12,450 SH   SOLE   12,450 0 0
SOUTHERN CO COMMON 842587107   1,078,452 11,744 SH   SOLE   11,744 0 0
SPROTT PHYSICAL GOLD COMMON 85207H104   253,500 10,000 SH   SOLE   10,000 0 0
STARBUCKS CORP COMMON 855244109   490,679 5,355 SH   SOLE   5,355 0 0
STATE STREET CORP COMMON 857477103   233,948 2,200 SH   SOLE   2,200 0 0
T MOBILE US INC COMMON 872590104   12,717,128 53,375 SH   SOLE   53,375 0 0
TEXAS INSTRUMENTS INC COMMON 882508104   561,404 2,704 SH   SOLE   2,704 0 0
TEXAS PACIFIC LAND CO COMMON 88262P102   4,507,616 4,267 SH   SOLE   4,267 0 0
THERMO FISHER SCIENTI COMMON 883556102   10,754,560 26,524 SH   SOLE   26,524 0 0
TOLL BROTHERS INC COMMON 889478103   9,032,476 79,142 SH   SOLE   79,142 0 0
TORONTO DOMINION BK O COMMON 891160509   372,024 5,065 SH   SOLE   5,065 0 0
TRACTOR SUPPLY CO COMMON 892356106   217,676 4,125 SH   SOLE   4,125 0 0
TRANE TECHNOLOGIES PL COMMON G8994E103   1,818,751 4,158 SH   SOLE   4,158 0 0
TRAVELERS COMPANIES I COMMON 89417E109   3,521,629 13,163 SH   SOLE   13,163 0 0
TRUIST FINANCIAL CORP COMMON 89832Q109   498,254 11,590 SH   SOLE   11,590 0 0
UBER TECHNOLOGIES INC COMMON 90353T100   419,850 4,500 SH   SOLE   4,500 0 0
UNILEVER PLC ADR COMMON 904767704   1,057,935 17,295 SH   SOLE   17,295 0 0
UNION PACIFIC CORP COMMON 907818108   4,898,863 21,292 SH   SOLE   21,292 0 0
UNITED PARCEL SVC INC COMMON 911312106   3,316,989 32,861 SH   SOLE   32,861 0 0
UNITEDHEALTH GROUP IN COMMON 91324P102   7,315,023 23,448 SH   SOLE   23,448 0 0
US BANCORP DEL 5.56 percent PREFERR 902973155   2,824,834 140,679 SH   SOLE   140,679 0 0
VANGUARD BD INDEX FDS MUTUAL 921937736   206,857 4,956 SH   SOLE   4,956 0 0
VANGUARD BD INDEX FDS MUTUAL 921937686   231,364 2,761 SH   SOLE   2,761 0 0
VANGUARD CHARLOTTE FD MUTUAL 92203J308   212,972 10,789 SH   SOLE   10,789 0 0
VANGUARD INT-TERM INV MUTUAL 922031810   154,920 17,585 SH   SOLE   17,585 0 0
VANGUARD MUN BD FD IN MUTUAL 922907860   209,891 19,990 SH   SOLE   19,990 0 0
VANGUARD PA TAX FREE MUTUAL 92204L302   175,552 16,815 SH   SOLE   16,815 0 0
VANGUARD US GROWTH FU MUTUAL 921910600   290,577 1,448 SH   SOLE   1,448 0 0
VANGUARD/WELLINGTON F MUTUAL 921935201   551,580 7,067 SH   SOLE   7,067 0 0
VERALTO CORP COMMON 92338C103   594,818 5,892 SH   SOLE   5,892 0 0
VERIZON COMMUNICATION COMMON 92343V104   884,482 20,441 SH   SOLE   20,441 0 0
VICTORY PORTFOLIOS II MUTUAL 903287407   558,508 19,735 SH   SOLE   19,735 0 0
VISA INC COMMON 92826C839   22,206,602 62,545 SH   SOLE   62,545 0 0
VULCAN MATLS CO COM COMMON 929160109   1,287,408 4,936 SH   SOLE   4,936 0 0
WAL MART STORES INC COMMON 931142103   6,250,587 63,925 SH   SOLE   63,925 0 0
WALT DISNEY COMPANY COMMON 254687106   1,085,460 8,753 SH   SOLE   8,753 0 0
WASTE MGMT INC DEL COMMON 94106L109   4,791,491 20,940 SH   SOLE   20,940 0 0
WATSCO INC COMMON 942622200   7,086,351 16,046 SH   SOLE   16,046 0 0
WELLS FARGO & CO COMMON 949746101   3,114,730 38,876 SH   SOLE   38,876 0 0
WELLTOWER INC COMMON 95040Q104   680,255 4,425 SH   SOLE   4,425 0 0
ZETA GLOBAL HOLDINGS COMMON 98956A105   195,174 12,600 SH   SOLE   12,600 0 0