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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M Co. COM 88579Y101 2,000 10,380 SH   DFND 1 10,380 0 0
Abbott Labs COM 002824100 1,280 10,683 SH   DFND 1 10,683 0 0
Abbvie Inc COM 00287Y109 1,288 11,905 SH   DFND 1 11,905 0 0
Accenture PLC CL A COM G1151C101 1,208 4,372 SH   DFND 1 4,372 0 0
Activision Blizzard Inc COM 00507V109 584 6,280 SH   DFND 1 6,280 0 0
Adobe Inc COM 00724F101 2,372 4,990 SH   DFND 1 4,990 0 0
Advanced Micro Devices COM 007903107 718 9,146 SH   DFND 1 9,146 0 0
Air Products & Chemicals, Inc. COM 009158106 701 2,493 SH   DFND 1 2,493 0 0
Albemarle Corp COM 012653101 683 4,675 SH   DFND 1 4,675 0 0
Alexion Pharmaceuticals Inc COM 015351109 437 2,860 SH   DFND 1 2,860 0 0
Alibaba Group Holdings COM 01609W102 900 3,970 SH   DFND 1 3,970 0 0
Align Technology COM 016255101 1,073 1,981 SH   DFND 1 1,981 0 0
Allstate Corp COM 020002101 534 4,650 SH   DFND 1 4,650 0 0
Alphabet Inc Class A COM 02079K305 3,737 1,812 SH   DFND 1 1,812 0 0
Alphabet Inc Class C COM 02079K107 3,844 1,858 SH   DFND 1 1,858 0 0
Altria Group, Inc. COM 02209S103 723 14,140 SH   DFND 1 14,140 0 0
Amazon.com, Inc. COM 023135106 10,291 3,326 SH   DFND 1 3,326 0 0
Amdocs Ltd COM G02602103 249 3,546 SH   DFND 1 3,546 0 0
American Campus Communities COM 024835100 201 4,645 SH   DFND 1 4,645 0 0
American Electric Power COM 025537101 725 8,554 SH   DFND 1 8,554 0 0
American Express COM 025816109 1,332 9,418 SH   DFND 1 9,418 0 0
American Water Works Co Inc COM 030420103 560 3,733 SH   DFND 1 3,733 0 0
Anthem Inc COM 036752103 1,281 3,570 SH   DFND 1 3,570 0 0
Apollo Global Management Inc COM 03768E105 536 11,400 SH   DFND 1 11,400 0 0
Apple Inc COM 037833100 13,331 109,138 SH   DFND 1 109,138 0 0
Arcosa Inc COM 039653100 714 10,969 SH   DFND 1 10,969 0 0
Ares Capital Corp COM 04010L103 303 16,200 SH   DFND 1 16,200 0 0
Arthur J. Gallagher & Co. COM 363576109 1,025 8,212 SH   DFND 1 8,212 0 0
AT&T Inc COM 00206R102 1,661 54,864 SH   DFND 1 54,864 0 0
Atmos Energy Corp. COM 049560105 559 5,650 SH   DFND 1 5,650 0 0
Bank of New York Mellon Corp. COM 064058100 531 11,239 SH   DFND 1 11,239 0 0
Becton Dickinson and Co COM 075887109 279 1,147 SH   DFND 1 1,147 0 0
Biomarin Pharmaceutical Inc COM 09061G101 275 3,642 SH   DFND 1 3,642 0 0
Blackstone Group Inc NPV COM 09260D107 693 9,300 SH   DFND 1 9,300 0 0
Boeing Company COM 097023105 1,478 5,802 SH   DFND 1 5,802 0 0
Boston Properties Inc COM 101121101 273 2,700 SH   DFND 1 2,700 0 0
Bristol Myers Squibb COM 110122108 1,138 18,024 SH   DFND 1 18,024 0 0
Broadcom Inc COM 11135F101 1,926 4,153 SH   DFND 1 4,153 0 0
Cadence Design Systems, Inc. COM 127387108 619 4,512 SH   DFND 1 4,512 0 0
Capital One Financial COM 14040H105 806 6,338 SH   DFND 1 6,338 0 0
Carlyle Group COM 14316J108 938 25,517 SH   DFND 1 25,517 0 0
Carrier Global Corp COM 14448C104 381 9,034 SH   DFND 1 9,034 0 0
Caterpillar Inc. COM 149123101 911 3,930 SH   DFND 1 3,930 0 0
Centene Corp COM 15135B101 494 7,722 SH   DFND 1 7,722 0 0
Charles Schwab Corp. COM 808513105 1,368 20,995 SH   DFND 1 20,995 0 0
Chart Industries Inc COM 16115Q308 735 5,160 SH   DFND 1 5,160 0 0
Cheniere Energy Inc COM 16411R208 549 7,627 SH   DFND 1 7,627 0 0
Chevron Corp. COM 166764100 1,578 15,062 SH   DFND 1 15,062 0 0
Church & Dwight Co. COM 171340102 1,043 11,940 SH   DFND 1 11,940 0 0
Cigna Corp COM 125523100 760 3,145 SH   DFND 1 3,145 0 0
Cisco Systems COM 17275R102 1,506 29,131 SH   DFND 1 29,131 0 0
Citigroup Inc. COM 172967424 1,061 14,590 SH   DFND 1 14,590 0 0
CMS Energy Corp. COM 125896100 861 14,070 SH   DFND 1 14,070 0 0
Coca-Cola COM 191216100 1,871 35,494 SH   DFND 1 35,494 0 0
Cognizant Tech Solutions Corp. COM 192446102 489 6,260 SH   DFND 1 6,260 0 0
Columbia Sportswear Co COM 198516106 596 5,638 SH   DFND 1 5,638 0 0
Comcast Corp COM 20030N101 2,092 38,660 SH   DFND 1 38,660 0 0
Conagra Brands Inc COM 205887102 263 7,000 SH   DFND 1 7,000 0 0
ConocoPhillips COM 20825C104 292 5,514 SH   DFND 1 5,514 0 0
Constellation Brands COM 21036P108 1,444 6,333 SH   DFND 1 6,333 0 0
Corning Inc. COM 219350105 472 10,843 SH   DFND 1 10,843 0 0
Corteva Inc COM 22052L104 217 4,650 SH   DFND 1 4,650 0 0
Costco Co. COM 22160K105 1,058 3,002 SH   DFND 1 3,002 0 0
Covanta Holding Corp COM 22282E102 140 10,075 SH   DFND 1 10,075 0 0
Cracker Barrel Old Country Sto COM 22410J106 242 1,400 SH   DFND 1 1,400 0 0
Crowdstrike Holdings Inc COM 22788C105 978 5,361 SH   DFND 1 5,361 0 0
Crown Castle International Cor COM 22822V101 812 4,715 SH   DFND 1 4,715 0 0
Cummins Inc COM 231021106 914 3,528 SH   DFND 1 3,528 0 0
CVS Health Corp COM 126650100 825 10,960 SH   DFND 1 10,960 0 0
Danaher Corp. COM 235851102 1,665 7,398 SH   DFND 1 7,398 0 0
Darden Restaurants Inc. COM 237194105 704 4,957 SH   DFND 1 4,957 0 0
Davita Inc COM 23918K108 525 4,876 SH   DFND 1 4,876 0 0
Delek US Holding Inc COM 24665A103 242 11,089 SH   DFND 1 11,089 0 0
Digital Realty COM 253868103 574 4,075 SH   DFND 1 4,075 0 0
Discovery Inc COM 25470F104 578 13,309 SH   DFND 1 13,309 0 0
Docusign Inc COM 256163106 541 2,670 SH   DFND 1 2,670 0 0
Dollar General COM 256677105 880 4,345 SH   DFND 1 4,345 0 0
Dominion Energy Inc COM 25746U109 611 8,049 SH   DFND 1 8,049 0 0
Dow Inc COM 260557103 330 5,155 SH   DFND 1 5,155 0 0
Draftkings Inc COM 26142R104 788 12,844 SH   DFND 1 12,844 0 0
Du Pont (E.I.) De Nemours & Co COM 26614N102 362 4,690 SH   DFND 1 4,690 0 0
Duke Energy Corp. COM 26441C204 1,076 11,147 SH   DFND 1 11,147 0 0
Duke Realty Corp. COM 264411505 256 6,100 SH   DFND 1 6,100 0 0
Eagle Materials Inc COM 26969P108 601 4,470 SH   DFND 1 4,470 0 0
Edison Int'l COM 281020107 425 7,256 SH   DFND 1 7,256 0 0
Electronic Arts Inc. COM 285512109 600 4,429 SH   DFND 1 4,429 0 0
Enbridge Inc COM 29250N105 599 16,447 SH   DFND 1 16,447 0 0
Energy Transfer LP COM 29273V100 119 15,445 SH   DFND 1 15,445 0 0
Enterprise Products Partners L COM 293792107 823 37,366 SH   DFND 1 37,366 0 0
EOG Resources COM 26875P101 517 7,125 SH   DFND 1 7,125 0 0
EPAM Systems Inc COM 29414B104 630 1,588 SH   DFND 1 1,588 0 0
Equity Residential Properties COM 29476L107 358 5,000 SH   DFND 1 5,000 0 0
Essex Property Trust Inc COM 297178105 291 1,069 SH   DFND 1 1,069 0 0
Evergy Inc COM 30034W106 367 6,167 SH   DFND 1 6,167 0 0
Exact Sciences Corp COM 30063P105 1,036 7,860 SH   DFND 1 7,860 0 0
Exelon Corp. COM 30161N101 510 11,649 SH   DFND 1 11,649 0 0
Expedia Group Inc COM 30212P303 624 3,627 SH   DFND 1 3,627 0 0
Exxon Mobil Corp. COM 30231G102 1,211 21,698 SH   DFND 1 21,698 0 0
Facebook Inc COM 30303M102 6,035 20,491 SH   DFND 1 20,491 0 0
Fedex Corp. COM 31428X106 869 3,060 SH   DFND 1 3,060 0 0
Fidelity National Information COM 31620M106 917 6,519 SH   DFND 1 6,519 0 0
Fifth Third Bancorp COM 316773100 651 17,393 SH   DFND 1 17,393 0 0
FIserv Inc. COM 337738108 817 6,863 SH   DFND 1 6,863 0 0
Flexion Therapeutics Inc COM 33938J106 430 48,070 SH   DFND 1 48,070 0 0
Flowserve Corp. COM 34354P105 290 7,471 SH   DFND 1 7,471 0 0
FMC Corp COM 302491303 504 4,560 SH   DFND 1 4,560 0 0
Fortive Corp COM 34959J108 220 3,109 SH   DFND 1 3,109 0 0
Freeport-McMoRan Inc COM 35671D857 325 9,875 SH   DFND 1 9,875 0 0
Gaming and Leisure Properties COM 36467J108 640 15,082 SH   DFND 1 15,082 0 0
Garmin Ltd COM H2906T109 356 2,700 SH   DFND 1 2,700 0 0
General Electric Co. COM 369604103 887 67,522 SH   DFND 1 67,522 0 0
General Motors Inc COM 37045V100 439 7,640 SH   DFND 1 7,640 0 0
Gilead Science Inc COM 375558103 634 9,805 SH   DFND 1 9,805 0 0
GlaxoSmithKline plc ADR COM 37733W105 267 7,470 SH   DFND 1 7,470 0 0
Global Payments Inc. COM 37940X102 599 2,972 SH   DFND 1 2,972 0 0
Goldman Sachs Group COM 38141G104 1,460 4,464 SH   DFND 1 4,464 0 0
Halliburton Co. COM 406216101 233 10,866 SH   DFND 1 10,866 0 0
Hawaiian Electric Ind. COM 419870100 342 7,700 SH   DFND 1 7,700 0 0
Healthpeak Properties Inc COM 42250P103 253 7,975 SH   DFND 1 7,975 0 0
Hologic Inc COM 436440101 580 7,800 SH   DFND 1 7,800 0 0
Home Depot, Inc. COM 437076102 3,719 12,183 SH   DFND 1 12,183 0 0
Honeywell International, Inc. COM 438516106 2,473 11,391 SH   DFND 1 11,391 0 0
HP Inc COM 40434L105 614 19,325 SH   DFND 1 19,325 0 0
Hubspot Inc COM 443573100 661 1,455 SH   DFND 1 1,455 0 0
Icahn Enterprises LP COM 451100101 292 5,425 SH   DFND 1 5,425 0 0
Insulet Corp COM 45784P101 1,117 4,280 SH   DFND 1 4,280 0 0
Intel Corp. COM 458140100 1,586 24,774 SH   DFND 1 24,774 0 0
Intercontinental Exchange Inc COM 45866F104 914 8,186 SH   DFND 1 8,186 0 0
International Business Machine COM 459200101 671 5,036 SH   DFND 1 5,036 0 0
Interpublic Group of Cos Inc COM 460690100 263 9,000 SH   DFND 1 9,000 0 0
Intuitive Surgical, Inc. COM 46120E602 1,696 2,295 SH   DFND 1 2,295 0 0
Iron Mountain Inc. COM 46284V101 547 14,770 SH   DFND 1 14,770 0 0
JD.com Inc COM 47215P106 776 9,206 SH   DFND 1 9,206 0 0
Johnson & Johnson COM 478160104 3,259 19,830 SH   DFND 1 19,830 0 0
JPMorgan Chase & Co. COM 46625H100 4,280 28,118 SH   DFND 1 28,118 0 0
Kimco Realty Corp. COM 49446R109 188 10,000 SH   DFND 1 10,000 0 0
KKR & Co Inc COM 48251W104 551 11,275 SH   DFND 1 11,275 0 0
L3Harris Technologies Inc COM 502431109 611 3,013 SH   DFND 1 3,013 0 0
Lamar Advertising Co COM 512816109 272 2,900 SH   DFND 1 2,900 0 0
Las Vegas Sands COM 517834107 330 5,425 SH   DFND 1 5,425 0 0
Lilly (Eli) & Co. COM 532457108 2,431 13,012 SH   DFND 1 13,012 0 0
Lowe's Co. COM 548661107 1,241 6,528 SH   DFND 1 6,528 0 0
Marathon Petroleum Corp. COM 56585A102 314 5,876 SH   DFND 1 5,876 0 0
Marriott International COM 571903202 392 2,648 SH   DFND 1 2,648 0 0
Marsh & McLennan Companies, In COM 571748102 1,574 12,925 SH   DFND 1 12,925 0 0
MasterCard Inc COM 57636Q104 2,441 6,856 SH   DFND 1 6,856 0 0
McCormick & Co. COM 579780206 659 7,393 SH   DFND 1 7,393 0 0
McDonald's Corp. COM 580135101 1,665 7,427 SH   DFND 1 7,427 0 0
Mckesson HBOC Inc. COM 58155Q103 297 1,525 SH   DFND 1 1,525 0 0
Medtronic Inc COM G5960L103 839 7,102 SH   DFND 1 7,102 0 0
Merck & Co., Inc. COM 58933Y105 1,695 21,989 SH   DFND 1 21,989 0 0
Metlife Inc COM 59156R108 684 11,254 SH   DFND 1 11,254 0 0
Micron Technology Inc. COM 595112103 751 8,519 SH   DFND 1 8,519 0 0
Microsoft Corp COM 594918104 14,278 60,561 SH   DFND 1 60,561 0 0
Minerals Technologies Inc COM 603158106 411 5,462 SH   DFND 1 5,462 0 0
Mondelez International Inc COM 609207105 775 13,243 SH   DFND 1 13,243 0 0
MongoBd Inc COM 60937P106 559 2,090 SH   DFND 1 2,090 0 0
Morgan Stanley, Dean Witter, D COM 617446448 1,721 22,162 SH   DFND 1 22,162 0 0
National Fuel Gas Co. COM 636180101 345 6,900 SH   DFND 1 6,900 0 0
Netflix Inc COM 64110L106 1,974 3,785 SH   DFND 1 3,785 0 0
Newmont Goldcorp Corp. COM 651639106 721 11,967 SH   DFND 1 11,967 0 0
NextEra Energy Inc COM 65339F101 1,686 22,294 SH   DFND 1 22,294 0 0
Nisource Inc. COM 65473P105 442 18,347 SH   DFND 1 18,347 0 0
Northrop Grumman Corp. COM 666807102 1,983 6,126 SH   DFND 1 6,126 0 0
Nutrien LTD COM 67077M108 568 10,542 SH   DFND 1 10,542 0 0
NVIDIA Corp. COM 67066G104 2,548 4,772 SH   DFND 1 4,772 0 0
Okta Inc COM 679295105 1,119 5,075 SH   DFND 1 5,075 0 0
Oracle Corp. COM 68389X105 834 11,891 SH   DFND 1 11,891 0 0
Otis Worlwide Corp COM 68902V107 309 4,513 SH   DFND 1 4,513 0 0
Palo Alto Networks Inc COM 697435105 605 1,880 SH   DFND 1 1,880 0 0
PayPal Holdings Inc COM 70450Y103 3,049 12,554 SH   DFND 1 12,554 0 0
Peloton Interactive Inc COM 70614W100 1,929 17,160 SH   DFND 1 17,160 0 0
PepsiCo, Inc. COM 713448108 1,688 11,936 SH   DFND 1 11,936 0 0
Pfizer, Inc. COM 717081103 1,733 47,843 SH   DFND 1 47,843 0 0
Philip Morris International In COM 718172109 271 3,055 SH   DFND 1 3,055 0 0
PNC Financial Services Group COM 693475105 1,582 9,017 SH   DFND 1 9,017 0 0
PPG Industries, Inc. COM 693506107 875 5,824 SH   DFND 1 5,824 0 0
PPL Corp. COM 69351T106 332 11,516 SH   DFND 1 11,516 0 0
Procter & Gamble Inc COM 742718109 2,442 18,035 SH   DFND 1 18,035 0 0
Prologis Trust COM 74340W103 1,253 11,825 SH   DFND 1 11,825 0 0
Prudential Financial, Inc. COM 744320102 450 4,940 SH   DFND 1 4,940 0 0
PTC Inc COM 69370C100 455 3,303 SH   DFND 1 3,303 0 0
Public Service Enterprise Grou COM 744573106 325 5,400 SH   DFND 1 5,400 0 0
Qualcomm Inc. COM 747525103 1,362 10,276 SH   DFND 1 10,276 0 0
Quest Diagnostics Inc COM 74834L100 340 2,650 SH   DFND 1 2,650 0 0
Raytheon Technologies Corp COM 75513E101 698 9,035 SH   DFND 1 9,035 0 0
Rexnord Corp COM 76169B102 609 12,928 SH   DFND 1 12,928 0 0
RingCentral Inc COM 76680R206 877 2,943 SH   DFND 1 2,943 0 0
Roper Technologies, Inc COM 776696106 717 1,778 SH   DFND 1 1,778 0 0
Sabra Health Care REIT Inc COM 78573L106 225 12,970 SH   DFND 1 12,970 0 0
Sailpoint Technologies Holding COM 78781P105 628 12,395 SH   DFND 1 12,395 0 0
Salesforce.com Inc COM 79466L302 1,646 7,769 SH   DFND 1 7,769 0 0
Schlumberger Ltd. COM 806857108 309 11,352 SH   DFND 1 11,352 0 0
Seagate Technology COM G7945M107 330 4,300 SH   DFND 1 4,300 0 0
Sealed Air Corp. COM 81211K100 282 6,155 SH   DFND 1 6,155 0 0
Sempra Energy COM 816851109 973 7,340 SH   DFND 1 7,340 0 0
Servicenow Inc COM 81762P102 1,110 2,220 SH   DFND 1 2,220 0 0
Shopify Inc COM 82509L107 864 623 SH   DFND 1 623 0 0
Simon Property Group, Inc. COM 828806109 214 1,880 SH   DFND 1 1,880 0 0
Southern Co. COM 842587107 978 15,736 SH   DFND 1 15,736 0 0
Splunk Inc COM 848637104 642 4,740 SH   DFND 1 4,740 0 0
Starbucks Corp. COM 855244109 1,280 11,711 SH   DFND 1 11,711 0 0
T Mobile US Inc COM 872590104 964 7,688 SH   DFND 1 7,688 0 0
Take-Two Interactive Software COM 874054109 654 3,701 SH   DFND 1 3,701 0 0
Target Corp. COM 87612E106 2,173 10,971 SH   DFND 1 10,971 0 0
TC Energy Corp COM 87807B107 283 6,178 SH   DFND 1 6,178 0 0
Teladoc Health Inc COM 87918A105 621 3,415 SH   DFND 1 3,415 0 0
Texas Instruments COM 882508104 901 4,759 SH   DFND 1 4,759 0 0
The Travelers Companies, Inc. COM 89417E109 656 4,365 SH   DFND 1 4,365 0 0
Thermo Fisher Scientific Inc COM 883556102 2,479 5,432 SH   DFND 1 5,432 0 0
Tractor Supply Company COM 892356106 745 4,206 SH   DFND 1 4,206 0 0
Truist Financial Corp COM 89832Q109 551 9,452 SH   DFND 1 9,452 0 0
U.S. Bancorp COM 902973304 767 13,868 SH   DFND 1 13,868 0 0
Uber Technologies Inc COM 90353T100 841 15,428 SH   DFND 1 15,428 0 0
UDR Inc COM 902653104 460 10,482 SH   DFND 1 10,482 0 0
Ulta Beauty Inc COM 90384S303 706 2,283 SH   DFND 1 2,283 0 0
Union Pacific COM 907818108 1,842 8,358 SH   DFND 1 8,358 0 0
United Health Group Inc. COM 91324P102 2,424 6,516 SH   DFND 1 6,516 0 0
United Parcel Services Cl B COM 911312106 1,077 6,334 SH   DFND 1 6,334 0 0
Valero Energy Corp. COM 91913Y100 294 4,111 SH   DFND 1 4,111 0 0
Verizon Communications Inc COM 92343V104 1,740 29,915 SH   DFND 1 29,915 0 0
Vertex Pharmaceuticals Inc COM 92532F100 647 3,013 SH   DFND 1 3,013 0 0
Visa Inc COM 92826C839 2,912 13,753 SH   DFND 1 13,753 0 0
VMware Inc. COM 928563402 526 3,497 SH   DFND 1 3,497 0 0
Vulcan Materials COM 929160109 293 1,738 SH   DFND 1 1,738 0 0
Walgreens Boots Alliance Inc COM 931427108 357 6,498 SH   DFND 1 6,498 0 0
Walmart Stores Inc COM 931142103 1,900 13,990 SH   DFND 1 13,990 0 0
Walt Disney Co. COM 254687106 2,758 14,946 SH   DFND 1 14,946 0 0
Wells Fargo Co. COM 949746101 994 25,433 SH   DFND 1 25,433 0 0
Welltower Inc COM 95040Q104 283 3,950 SH   DFND 1 3,950 0 0
Weyerhaeuser Co. COM 962166104 336 9,440 SH   DFND 1 9,440 0 0
Williams Cos. COM 969457100 227 9,600 SH   DFND 1 9,600 0 0
Zendesk Inc COM 98936J101 561 4,230 SH   DFND 1 4,230 0 0
Zoetis COM 98978V103 1,269 8,059 SH   DFND 1 8,059 0 0
Zscaler Inc COM 98980G102 820 4,778 SH   DFND 1 4,778 0 0