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 4,414 34,111 SH   SOLE   13,079 0 21,032
AT&T Inc. COM 00206R102 1,177 56,151 SH   SOLE   33,910 0 22,241
Abbott Laboratories COM 002824100 12,350 113,665 SH   SOLE   40,246 0 73,419
Adobe Systems Inc. COM 00724f101 3,836 10,480 SH   SOLE   10,480 0 0
Advanced Micro Devices COM 007903107 413 5,400 SH   SOLE   5,400 0 0
Alphabet Inc. Cl. A COM 02079k305 3,391 1,556 SH   SOLE   1,387 0 169
Alphabet Inc. Cl. C COM 02079k107 13,462 6,154 SH   SOLE   2,479 0 3,675
Amazon.com COM 023135106 5,361 50,480 SH   SOLE   50,420 0 60
Apple Inc. COM 037833100 29,775 217,784 SH   SOLE   106,421 0 111,363
Applied Materials COM 038222105 2,352 25,855 SH   SOLE   25,855 0 0
Automatic Data Proc. COM 053015103 13,558 64,550 SH   SOLE   25,883 0 38,667
Becton Dickinson COM 075887109 11,368 46,111 SH   SOLE   16,102 0 30,009
Berkshire Hathaway Cl. B COM 084670702 14,679 53,767 SH   SOLE   20,179 0 33,588
Biogen Inc. COM 09062x103 1,814 8,895 SH   SOLE   8,895 0 0
Bristol-Myers Squibb COM 110122108 2,277 29,575 SH   SOLE   29,575 0 0
Caterpillar Inc. COM 149123101 375 2,100 SH   SOLE   2,000 0 100
Chevron Corp. COM 166764100 2,305 15,921 SH   SOLE   8,780 0 7,141
Cisco Systems Inc. COM 17275r102 5,374 126,025 SH   SOLE   71,665 0 54,360
Coca-Cola Co. COM 191216100 10,529 167,361 SH   SOLE   53,805 0 113,556
Colgate-Palmolive Co. COM 194162103 7,290 90,966 SH   SOLE   25,921 0 65,045
Costco Wholesale COM 22160k105 2,545 5,310 SH   SOLE   5,090 0 220
Danaher Corp. COM 235851102 17,050 67,255 SH   SOLE   22,497 0 44,758
Deere & Co. COM 244199105 843 2,816 SH   SOLE   0 0 2,816
Diageo plc ADR COM 25243q205 8,997 51,669 SH   SOLE   14,990 0 36,679
Emerson Electric Co. COM 291011104 6,300 79,203 SH   SOLE   25,910 0 53,293
Estee Lauder Cos. Cl. A COM 518439104 1,718 6,745 SH   SOLE   6,745 0 0
Exxon Mobil Corp. COM 30231G102 2,271 26,520 SH   SOLE   4,344 0 22,176
Vanguard FTSE Devel. Mkets. ETF COM 921943858 1,506 36,902 SH   SOLE   15,302 0 21,600
Vanguard FTSE Emerg. Mkts. ETF COM 922042858 1,247 29,938 SH   SOLE   12,585 0 17,353
FedEx Corp. COM 31428x106 10,415 45,939 SH   SOLE   21,344 0 24,595
Fiserv, Inc. COM 337738108 6,966 78,299 SH   SOLE   43,873 0 34,426
Fortive Corp. COM 34959j108 1,507 27,705 SH   SOLE   6,859 0 20,846
GlaxoSmithKline PLC ADR COM 37733w105 773 17,761 SH   SOLE   0 0 17,761
Home Depot Inc. COM 437076102 10,052 36,650 SH   SOLE   21,963 0 14,687
IDEXX Laboratories COM 45168d104 1,496 4,265 SH   SOLE   4,265 0 0
Illinois Tool Works COM 452308109 9,869 54,149 SH   SOLE   18,888 0 35,261
Illumina Inc. COM 452327109 936 5,075 SH   SOLE   5,075 0 0
Intel Corp. COM 458140100 607 16,215 SH   SOLE   400 0 15,815
JPMorgan Chase COM 46625h100 1,150 10,216 SH   SOLE   8,950 0 1,266
Johnson & Johnson COM 478160104 14,667 82,627 SH   SOLE   39,197 0 43,430
Linde plc COM g5494j103 5,143 17,888 SH   SOLE   5,280 0 12,608
MSCI Asia ex-Japan iShares COM 464288182 474 6,850 SH   SOLE   6,850 0 0
MSCI EAFE iShares COM 464287465 4,698 75,183 SH   SOLE   27,185 0 47,998
MSCI Emerging Markets iShares COM 464287234 1,525 38,023 SH   SOLE   11,690 0 26,333
McCormick & Co. COM 579780206 5,354 64,318 SH   SOLE   19,364 0 44,954
McDonald's Corp. COM 580135101 1,876 7,600 SH   SOLE   7,010 0 590
Medtronic PLC F COM g5960l103 230 2,563 SH   SOLE   0 0 2,563
Merck & Co. COM 58933y105 4,378 48,020 SH   SOLE   24,900 0 23,120
Meta Platforms COM 30303m102 642 3,980 SH   SOLE   3,980 0 0
Microsoft Corp. COM 594918104 31,391 122,224 SH   SOLE   70,680 0 51,544
Moderna Inc. COM 60770k107 600 4,200 SH   SOLE   4,200 0 0
Nestle S.A. ADR COM 641069406 8,716 74,885 SH   SOLE   26,130 0 48,755
Netflix Inc. COM 64110l106 706 4,035 SH   SOLE   4,035 0 0
Nike, Inc. Cl.B COM 654106103 8,428 82,462 SH   SOLE   22,490 0 59,972
Nvidia Corp. COM 67066g104 5,247 34,614 SH   SOLE   34,614 0 0
Oracle Corp. COM 68389x105 799 11,436 SH   SOLE   0 0 11,436
Otis Worldwide COM 68902v107 206 2,922 SH   SOLE   0 0 2,922
PNC Financial Services COM 693475105 1,578 10,000 SH   SOLE   10,000 0 0
Palo Alto Networks COM 697435105 2,405 4,870 SH   SOLE   4,870 0 0
PayPal Holdings COM 70450y103 833 11,930 SH   SOLE   11,930 0 0
PepsiCo, Inc. COM 713448108 12,459 74,757 SH   SOLE   26,179 0 48,578
Procter & Gamble Co. COM 742718109 10,306 71,676 SH   SOLE   24,999 0 46,677
Qualcomm Inc. COM 747525103 2,431 19,027 SH   SOLE   10,500 0 8,527
Raytheon Technologies COM 75513e101 1,946 20,248 SH   SOLE   8,513 0 11,735
iShares Russell 2000 COM 464287655 7,009 41,383 SH   SOLE   14,685 0 26,698
iShares S&P Core Mid-Cap COM 464287507 6,898 30,491 SH   SOLE   10,003 0 20,488
iShares S&P Core Small-Cap COM 464287804 700 7,576 SH   SOLE   2,486 0 5,090
SPDR S&P 500 ETF COM 78462f103 2,164 5,735 SH   SOLE   1,630 0 4,105
Salesforce.com COM 79466l302 1,756 10,640 SH   SOLE   10,640 0 0
Shell plc COM 780259305 462 8,835 SH   SOLE   2,560 0 6,275
Starbucks Corp. COM 855244109 8,050 105,382 SH   SOLE   51,750 0 53,632
Stryker Corp. COM 863667101 10,516 52,864 SH   SOLE   20,551 0 32,313
TJX Cos. Inc. COM 872540109 611 10,932 SH   SOLE   0 0 10,932
Target Corp. COM 87612e106 670 4,745 SH   SOLE   2,445 0 2,300
Tesla Inc. COM 88160r101 3,916 5,815 SH   SOLE   5,815 0 0
Thermo Fisher Scientific COM 883556102 3,300 6,075 SH   SOLE   6,075 0 0
United Rentals COM 911363109 680 2,800 SH   SOLE   2,800 0 0
Vanguard Info. Technology ETF COM 92204a702 1,241 3,800 SH   SOLE   3,800 0 0
Vanguard Mid-Cap ETF COM 922908629 996 5,055 SH   SOLE   5,000 0 55
Visa Inc. COM 92826c839 10,693 54,310 SH   SOLE   28,244 0 26,066
Walmart Inc. COM 931142103 407 3,344 SH   SOLE   2,020 0 1,324
Walt Disney Co. COM 254687106 8,296 87,885 SH   SOLE   40,315 0 47,570
Warner Bros. Discovery COM 934423104 180 13,394 SH   SOLE   7,781 0 5,613
Wells Fargo & Co. COM 949746101 248 6,342 SH   SOLE   725 0 5,617
XCEL Energy COM 98389b100 370 5,233 SH   SOLE   1,200 0 4,033
Zimmer Biomet COM 98956p102 2,860 27,225 SH   SOLE   8,815 0 18,410
Schwab U.S. TIPS ETF COM 808524870 3,141 56,285 SH   SOLE   17,665 0 38,620
Vanguard Sht-Term Corp. Bond ETF COM 92206c409 9,533 125,005 SH   SOLE   24,155 0 100,850
iShares 1-5 Year Inv. Grade C COM 464288646 2,255 44,615 SH   SOLE   4,600 0 40,015