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 COM 88579Y101 3,587 27,718 SH   SOLE   25,805 0 1,913
Advantis US Small Cap Value ET COM 025072877 219 3,205 SH   SOLE   3,205 0 0
Alphabet Class A COM 02079k305 4,360 2,001 SH   SOLE   1,936 0 65
Alphabet Class C-Non Voting COM 02079k107 2,837 1,297 SH   SOLE   1,264 0 33
Amazon.com Inc. COM 023135106 6,665 62,750 SH   SOLE   60,980 0 1,770
Amgen Inc. COM 031162100 3,818 15,691 SH   SOLE   15,324 0 367
Amphenol Corp. COM 032095101 300 4,663 SH   SOLE   4,663 0 0
Apple Inc. COM 037833100 18,758 137,199 SH   SOLE   133,626 0 3,573
Autozone Inc. COM 053332102 215 100 SH   SOLE   0 0 100
Bank of America Corp COM 060505104 2,909 93,435 SH   SOLE   91,729 0 1,707
Baxter International COM 071813109 1,022 15,912 SH   SOLE   15,406 0 506
Berkshire Hathaway Inc. B COM 084670702 4,302 15,757 SH   SOLE   14,393 0 1,364
Boeing Co. COM 097023105 304 2,221 SH   SOLE   2,221 0 0
Broadcom Inc. COM 11135f101 537 1,106 SH   SOLE   1,106 0 0
CME Group Inc. COM 12572q105 364 1,778 SH   SOLE   1,778 0 0
Caterpillar Inc. COM 149123101 3,068 17,164 SH   SOLE   16,922 0 242
Chevron Corp. COM 166764100 450 3,105 SH   SOLE   2,849 0 257
Cisco Systems Inc. COM 17275R102 3,086 72,385 SH   SOLE   70,802 0 1,583
CitiGroup Inc. COM 172967424 1,254 27,266 SH   SOLE   26,859 0 407
Coca Cola Co. COM 191216100 1,834 29,159 SH   SOLE   28,483 0 676
Comcast Corp Cl A COM 20030n101 2,396 61,066 SH   SOLE   59,208 0 1,858
Conoco Phillips COM 20825C104 1,075 11,972 SH   SOLE   11,272 0 700
Costco Whsl Corp. COM 22160k105 5,859 12,224 SH   SOLE   11,759 0 466
Cummins COM 231021106 1,878 9,702 SH   SOLE   9,175 0 528
Deere & Co. COM 244199105 4,129 13,787 SH   SOLE   13,233 0 554
Diageo PLC COM 25243Q205 940 5,401 SH   SOLE   5,401 0 0
EPAM Sysytems Inc. COM 29414b104 354 1,200 SH   SOLE   1,200 0 0
Edwards Lifesciences Corp. COM 28176e108 464 4,875 SH   SOLE   4,875 0 0
Eli Lilly and Company COM 532457108 329 1,015 SH   SOLE   1,015 0 0
Exxon Mobil COM 30231G102 1,179 13,771 SH   SOLE   13,400 0 371
Gilead Sciences Inc. COM 375558103 2,348 37,988 SH   SOLE   35,593 0 2,395
Goldman Sachs Group Inc. COM 38141G104 3,072 10,341 SH   SOLE   10,085 0 257
Home Depot COM 437076102 901 3,286 SH   SOLE   2,677 0 609
Intel Corporation COM 458140100 2,096 56,028 SH   SOLE   54,583 0 1,445
Intercontinental Exchange, Inc COM 45866f104 264 2,807 SH   SOLE   2,807 0 0
JP Morgan Chase & Co. COM 46625H100 4,253 37,769 SH   SOLE   37,020 0 749
Johnson & Johnson COM 478160104 4,982 28,067 SH   SOLE   27,105 0 963
Kimberly Clark COM 494368103 2,119 15,678 SH   SOLE   15,250 0 428
Marathon Petroleum Corp. COM 56585a102 1,744 21,218 SH   SOLE   20,255 0 963
McDonalds Corp. COM 580135101 4,681 18,962 SH   SOLE   18,322 0 641
Merck & Co. COM 58933y105 496 5,443 SH   SOLE   5,443 0 0
Meta Platforms Inc. COM 30303m102 3,951 24,505 SH   SOLE   23,795 0 709
Microsoft Corporation COM 594918104 2,251 8,766 SH   SOLE   8,630 0 136
Mountainview Energy Ltd COM 62454r101 0 18,814 SH   SOLE   18,814 0 0
Nike Inc. COM 654106103 3,681 36,022 SH   SOLE   34,981 0 1,042
Northrop Grumman Corp. COM 666807102 468 978 SH   SOLE   978 0 0
Novo-Nordisk A S COM 670100205 534 4,793 SH   SOLE   4,793 0 0
Oracle Corp. COM 68389X105 537 7,689 SH   SOLE   6,916 0 773
Pepsico Inc. COM 713448108 2,920 17,520 SH   SOLE   16,958 0 562
Pfizer Corp. COM 717081103 3,933 75,019 SH   SOLE   73,418 0 1,601
Phillips 66 COM 718546104 802 9,779 SH   SOLE   9,507 0 273
Proctor & Gamble COM 742718109 2,893 20,120 SH   SOLE   19,829 0 291
Rio Tinto PLC ADR COM 767204100 383 6,283 SH   SOLE   6,283 0 0
S&P Select Communication Servi COM 81369y852 1,467 27,036 SH   SOLE   27,036 0 0
S&P Select Energy SPDR ETF COM 81369y506 9,473 132,477 SH   SOLE   132,060 0 417
S&P Select Financial SPDR ETF COM 81369y605 10,470 332,915 SH   SOLE   327,504 0 5,411
S&P Select Health Care SPDR ET COM 81369y209 6,610 51,544 SH   SOLE   50,834 0 711
S&P Select Industrial SPDR ETF COM 81369y704 3,186 36,472 SH   SOLE   35,871 0 601
S&P Select Materials SPDR ETF COM 81369y100 3,483 47,320 SH   SOLE   46,321 0 999
S&P Select Technology SPDR ETF COM 81369y803 10,012 78,757 SH   SOLE   77,390 0 1,367
S&P Select Utilities SPDR ETF COM 81369y886 2,443 34,831 SH   SOLE   34,747 0 84
SPDR S&P 500 ETF COM 78462f103 1,699 4,505 SH   SOLE   4,355 0 150
Schwab Dividend Equity COM 808524797 499 6,963 SH   SOLE   6,963 0 0
Schwab US Large Cap ETF COM 808524201 206 4,618 SH   SOLE   4,618 0 0
Schwab US Large-Cap Growth ETF COM 808524300 1,560 26,906 SH   SOLE   26,906 0 0
Schwab US Mid Cap ETF COM 808524508 751 11,979 SH   SOLE   11,979 0 0
Schwab US Small-Cap ETF COM 808524607 737 18,914 SH   SOLE   18,914 0 0
Starbucks Corp. COM 855244109 3,047 39,893 SH   SOLE   38,585 0 1,308
Taiwan Semiconductor Manufactu COM 874039100 388 4,747 SH   SOLE   4,747 0 0
The Travelers Companies Inc. COM 89417e109 311 1,840 SH   SOLE   1,840 0 0
Truist Financial Corp. COM 89832q109 219 4,625 SH   SOLE   4,625 0 0
US Bancorp COM 902973304 1,422 30,890 SH   SOLE   29,832 0 1,058
United Health Group Inc. COM 91324P102 536 1,044 SH   SOLE   1,044 0 0
Vanguard Mid-Cap ETF COM 922908629 215 1,091 SH   SOLE   1,091 0 0
VeriSign, Inc. COM 92343e102 218 1,300 SH   SOLE   1,300 0 0
Verizon Communications COM 92343v104 2,638 51,980 SH   SOLE   50,706 0 1,274
Visa Inc. COM 92826c839 7,331 37,233 SH   SOLE   36,417 0 816
Walt Disney Co. Holdings COM 254687106 1,672 17,715 SH   SOLE   17,308 0 407
Xcel Energy COM 98389B100 1,233 17,432 SH   SOLE   17,432 0 0
iShares Russell 2000 ETF COM 464287655 24,663 145,623 SH   SOLE   144,369 0 1,254
iShares Russell Midcap ETF COM 464287499 23,393 361,781 SH   SOLE   356,905 0 4,876
iShares S&P 100 Index Fund COM 464287101 411 2,385 SH   SOLE   2,385 0 0
iShares S&P 500 ETF COM 464287200 89,491 236,031 SH   SOLE   234,571 0 1,460
iShares S&P SmallCap 600 Value COM 464287879 298 3,345 SH   SOLE   3,345 0 0