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COM 001744101 647 11200 SH SOLE 0 0 11200 AT&T COM 030177109 445 15254 SH SOLE 0 0 15254 Abbott Laboratories COM 002824100 2594 32867 SH SOLE 669 0 32198 Abbvie COM 00287Y109 2501 32829 SH SOLE 487 0 32342 Allete COM 018522300 283 4672 SH SOLE 0 0 4672 Alphabet Class C COM 02079k107 1277 1098 SH SOLE 0 0 1098 Alphabet Class C COM 02079k107 271 233 SH OTR 02 0 0 233 Amazon COM 023135106 1581 811 SH SOLE 0 0 811 Amazon COM 023135106 58 30 SH OTR 02 0 0 30 American Express COM 025816109 1040 12153 SH SOLE 612 0 11541 American Water Works COM 030420103 695 5812 SH SOLE 0 0 5812 Ameriprise Financial COM 03076C106 246 2400 SH SOLE 0 0 2400 Amgen COM 031162100 1272 6273 SH SOLE 1266 0 5007 Apple COM 037833100 2868 11280 SH SOLE 1663 0 9617 Apple COM 037833100 356 1400 SH OTR 02 0 0 1400 Applied Materials COM 038222105 1222 26665 SH SOLE 0 0 26665 Baker Hughes COM 05722g100 196 18647 SH SOLE 0 0 18647 Bank of New York Mellon COM 064058100 356 10560 SH SOLE 7392 0 3168 Becton Dickinson COM 075887109 952 4142 SH SOLE 0 0 4142 Boyd Gaming COM 103304101 274 19000 SH SOLE 0 0 19000 Bristol-Myers Squibb COM 110122108 3170 56877 SH SOLE 7466 0 49411 Bristol-Myers Squibb COM 110122108 448 8040 SH OTR 02 0 0 8040 CMS Energy COM 125896100 974 16584 SH SOLE 0 0 16584 CVS/Caremark COM 126650100 472 7955 SH SOLE 0 0 7955 Chevron COM 166764100 1196 16504 SH SOLE 716 0 15788 Chevron COM 166764100 240 3314 SH OTR 02 0 0 3314 Cigna COM 125509109 274 1545 SH SOLE 143 0 1402 Cisco Systems COM 17275R952 334 8500 SH SOLE 0 0 8500 Cisco Systems COM 17275R952 72 1838 SH OTR 02 0 0 1838 Clorox COM 189054109 3284 18954 SH SOLE 2728 0 16226 Coca-Cola COM 191216100 294 6650 SH SOLE 0 0 6650 Cognizant Technology Solutions COM 192446102 592 12740 SH SOLE 0 0 12740 Corteva COM 22052l104 451 19206 SH SOLE 2958 0 16248 Corteva COM 22052l104 8 333 SH OTR 02 0 0 333 Dell COM 24703l103 1054 26650 SH SOLE 0 0 26650 Delta COM 247361702 476 16670 SH SOLE 0 0 16670 Diodes COM 254543101 1054 25944 SH SOLE 0 0 25944 Disney COM 254687106 2856 29563 SH SOLE 4995 0 24568 Disney COM 254687106 39 400 SH OTR 02 0 0 400 Dolby Class A COM 25659T107 659 12150 SH SOLE 0 0 12150 Dover Corp. 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COM 31620M106 324 2666 SH OTR 02 0 0 2666 Fifth 3rd Bancorp COM 316773100 232 15605 SH SOLE 0 0 15605 First American Financial COM 31847r102 412 9724 SH SOLE 0 0 9724 Flir Systems COM 302445101 343 10749 SH SOLE 0 0 10749 General Electric COM 369604103 656 82581 SH SOLE 6644 0 75937 General Electric COM 369604103 105 13189 SH OTR 02 0 0 13189 Home Depot COM 437076102 2059 11027 SH SOLE 1437 0 9590 Hoya Capital Housing ETF COM 26922a230 3269 172077 SH SOLE 101698 0 70379 Humana COM 444859102 961 3060 SH SOLE 0 0 3060 Huntington Ingalls Ind. COM 446413106 574 3150 SH SOLE 0 0 3150 IAC Interactive Corp. COM 44919P508 1172 6537 SH SOLE 0 0 6537 Icon PLC COM G4705A100 952 6999 SH SOLE 0 0 6999 Intel COM 458140100 4352 80415 SH SOLE 15312 0 65103 Intel COM 458140100 183 3380 SH OTR 02 0 0 3380 International Business Machine COM 459200101 1512 13627 SH SOLE 1610 0 12017 Intuit COM 461202103 587 2550 SH SOLE 0 0 2550 JPMorgan Chase COM 46625h100 5700 63312 SH SOLE 2134 0 61178 JPMorgan Chase COM 46625h100 1119 12432 SH OTR 02 0 0 12432 Jack Henry & Assoc. COM 426281101 611 3938 SH SOLE 0 0 3938 Johnson & Johnson COM 478160104 16138 123066 SH SOLE 8011 0 115055 Johnson & Johnson COM 478160104 778 5934 SH OTR 02 0 0 5934 Keycorp COM 493267108 402 38740 SH SOLE 0 0 38740 Kimberly Clark COM 494368103 376 2942 SH OTR 02 0 0 2942 Kroger COM 501044101 513 17045 SH SOLE 0 0 17045 Marriott Vacations Worldwide COM 57164Y107 478 8605 SH SOLE 0 0 8605 Masco Corp. COM 574599106 440 12731 SH SOLE 0 0 12731 McCormick COM 579780206 1858 13155 SH SOLE 4800 0 8355 McDonald's Corp. COM 580135101 1294 7825 SH SOLE 1866 0 5959 Merck COM 58933y105 2386 31006 SH SOLE 3040 0 27966 Merck COM 58933y105 438 5687 SH OTR 02 0 0 5687 Microsoft COM 594918104 2634 16700 SH SOLE 2844 0 13856 Microsoft COM 594918104 236 1495 SH OTR 02 0 0 1495 Moody's Corp. COM 615369105 200 946 SH SOLE 0 0 946 Nasdaq COM 631103108 793 8354 SH SOLE 0 0 8354 National Health Investors COM 63633d104 667 13465 SH SOLE 0 0 13465 Nestle ADR COM 641069406 4265 41497 SH SOLE 5000 0 36497 Newmont Mining Corp. COM 651639106 1093 24134 SH SOLE 0 0 24134 Norfolk Southern COM 655844108 382 2619 SH OTR 02 0 0 2619 Nvidia Corp. COM 67066G104 839 3184 SH SOLE 0 0 3184 Old Republic COM 680223104 445 29150 SH SOLE 0 0 29150 PepsiCo COM 713448108 2773 23086 SH SOLE 980 0 22106 PepsiCo COM 713448108 465 3871 SH OTR 02 0 0 3871 Pfizer COM 717081103 4170 127751 SH SOLE 18798 0 108953 Pfizer COM 717081103 255 7798 SH OTR 02 0 0 7798 Polaris Ind. 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COM 960413102 290 7604 SH SOLE 0 0 7604 Wyndham Hotels & Resorts COM 98311a105 251 7974 SH SOLE 0 0 7974 Yum! Brands COM 988498101 242 3537 SH SOLE 392 0 3145 Zimmer Biomet COM 98956p102 501 4952 SH SOLE 1255 0 3697 Zimmer Biomet COM 98956p102 244 2418 SH OTR 02 0 0 2418 Zoetis COM 98978v103 1132 9620 SH SOLE 0 0 9620 Digital Realty Trust COM 253868103 362 2605 SH SOLE 50 0 2555 Mid America Apartment Communit COM 59522J103 926 8990 SH SOLE 0 0 8990 Store Cap Corp COM 862121100 593 32745 SH SOLE 140 0 32605