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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M COM 88579y101   707 5,896 SH   SOLE   2,120 0 3,776
AMN Healthcare Svcs. COM 001744101   1,080 10,500 SH   SOLE   0 0 10,500
AT&T COM 030177109   207 11,218 SH   SOLE   0 0 11,218
Abbott Laboratories COM 002824100   3,377 30,756 SH   SOLE   182 0 30,574
Abbvie COM 00287Y109   5,610 34,712 SH   SOLE   0 0 34,712
Alphabet Class A COM 02079k305   164 1,860 SH   SOLE   0 0 1,860
Alphabet Class A COM 02079k305   44 500 SH   OTR 2 0 0 500
Alphabet Class C COM 02079k107   2,002 22,560 SH   SOLE   0 0 22,560
Alphabet Class C COM 02079k107   305 3,440 SH   OTR 2 0 0 3,440
Amazon COM 023135106   1,516 18,050 SH   SOLE   0 0 18,050
Amazon COM 023135106   50 600 SH   OTR 2 0 0 600
American Express COM 025816109   2,197 14,871 SH   SOLE   0 0 14,871
American Water Works COM 030420103   824 5,405 SH   SOLE   0 0 5,405
Ameriprise Financial COM 03076C106   747 2,400 SH   SOLE   0 0 2,400
Amgen COM 031162100   1,479 5,632 SH   SOLE   600 0 5,032
Anheuser-Busch COM 03524a108   508 8,463 SH   SOLE   0 0 8,463
Apollo Global Mgmt. LLC COM 037612306   204 3,192 SH   SOLE   0 0 3,192
Apple COM 037833100   4,949 38,090 SH   SOLE   2,200 0 35,890
Apple COM 037833100   550 4,230 SH   OTR 2 0 0 4,230
Applied Materials COM 038222105   1,874 19,242 SH   SOLE   0 0 19,242
Bank America COM 060505104   251 7,571 SH   SOLE   0 0 7,571
Bank of New York Mellon COM 064058100   481 10,560 SH   SOLE   7,392 0 3,168
Becton Dickinson COM 075887109   1,280 5,034 SH   SOLE   0 0 5,034
Bristol-Myers Squibb COM 110122108   4,895 68,036 SH   SOLE   7,466 0 60,570
Bristol-Myers Squibb COM 110122108   464 6,445 SH   OTR 2 0 0 6,445
CMS Energy COM 125896100   973 15,368 SH   SOLE   0 0 15,368
CVS/Caremark COM 126650100   1,448 15,540 SH   SOLE   0 0 15,540
Caterpillar COM 149123101   218 908 SH   SOLE   0 0 908
Chevron COM 166764100   2,835 15,794 SH   SOLE   716 0 15,078
Chevron COM 166764100   414 2,306 SH   OTR 2 0 0 2,306
Cigna COM 125509109   425 1,282 SH   SOLE   0 0 1,282
Cisco Systems COM 17275R952   424 8,900 SH   SOLE   0 0 8,900
Cisco Systems COM 17275R952   50 1,060 SH   OTR 2 0 0 1,060
Clorox COM 189054109   2,539 18,096 SH   SOLE   2,320 0 15,776
Coca-Cola COM 191216100   552 8,682 SH   SOLE   0 0 8,682
Corteva COM 22052l104   749 12,737 SH   SOLE   0 0 12,737
D R Horton COM 23331A109   1,919 21,525 SH   SOLE   0 0 21,525
Dell COM 24703l103   1,006 25,000 SH   SOLE   0 0 25,000
Diodes COM 254543101   1,830 24,035 SH   SOLE   0 0 24,035
Discover Financial Services COM 254709108   344 3,520 SH   SOLE   0 0 3,520
Disney COM 254687106   2,322 26,728 SH   SOLE   1,500 0 25,228
Disney COM 254687106   35 400 SH   OTR 2 0 0 400
Dolby Class A COM 25659T107   782 11,090 SH   SOLE   0 0 11,090
Dover Corp. COM 260003108   2,346 17,325 SH   SOLE   0 0 17,325
Dow COM 260557103   810 16,073 SH   SOLE   2,958 0 13,115
Du Pont (E.I) de Nemours COM 26614N102   1,424 20,745 SH   SOLE   2,958 0 17,787
Eli Lilly COM 532457108   487 1,330 SH   SOLE   0 0 1,330
Emerson Electric COM 291011104   1,035 10,771 SH   SOLE   3,200 0 7,571
Emerson Electric COM 291011104   300 3,123 SH   OTR 2 0 0 3,123
Equifax COM 294429105   275 1,413 SH   OTR 2 0 0 1,413
Exxon Mobil COM 30231G102   5,510 49,952 SH   SOLE   6,675 0 43,277
Exxon Mobil COM 30231G102   481 4,358 SH   OTR 2 0 0 4,358
FedEx COM 31428x106   534 3,084 SH   SOLE   0 0 3,084
First American Financial COM 31847r102   224 4,275 SH   SOLE   0 0 4,275
General Electric COM 369604301   687 8,194 SH   SOLE   225 0 7,969
General Electric COM 369604301   63 748 SH   OTR 2 0 0 748
Goldman Sachs COM 38141G104   716 2,084 SH   SOLE   0 0 2,084
Home Depot COM 437076102   3,233 10,235 SH   SOLE   700 0 9,535
Hubbell COM 443510607   1,148 4,890 SH   SOLE   0 0 4,890
Humana COM 444859102   2,368 4,624 SH   SOLE   0 0 4,624
Huntington Bancshares COM 446150104   1,528 108,357 SH   SOLE   0 0 108,357
Huntington Ingalls Ind. COM 446413106   1,506 6,527 SH   SOLE   0 0 6,527
Icon PLC COM G4705A100   1,768 9,101 SH   SOLE   0 0 9,101
Intel COM 458140100   1,732 65,522 SH   SOLE   2,800 0 62,722
Intel COM 458140100   43 1,625 SH   OTR 2 0 0 1,625
International Business Machine COM 459200101   2,497 17,726 SH   SOLE   1,610 0 16,116
Intuit COM 461202103   704 1,809 SH   SOLE   0 0 1,809
JPMorgan Chase COM 46625h100   8,359 62,333 SH   SOLE   1,224 0 61,109
JPMorgan Chase COM 46625h100   1,106 8,246 SH   OTR 2 0 0 8,246
Jacobs Solutions COM 46982L108   727 6,055 SH   SOLE   0 0 6,055
Johnson & Johnson COM 478160104   16,414 92,916 SH   SOLE   6,471 0 86,445
Johnson & Johnson COM 478160104   740 4,189 SH   OTR 2 0 0 4,189
Kimberly Clark COM 494368103   14 100 SH   SOLE   0 0 100
Kimberly Clark COM 494368103   334 2,463 SH   OTR 2 0 0 2,463
Kroger COM 501044101   691 15,500 SH   SOLE   0 0 15,500
Laboratory Corp. of America COM 50540r409   1,667 7,079 SH   SOLE   0 0 7,079
Lear Corp. COM 521865204   831 6,700 SH   SOLE   0 0 6,700
Lowes COM 548661107   1,135 5,696 SH   SOLE   0 0 5,696
Marriott Vacations Worldwide COM 57164Y107   1,075 7,988 SH   SOLE   0 0 7,988
Masco Corp. COM 574599106   526 11,279 SH   SOLE   0 0 11,279
Match Group COM 57665r106   270 6,496 SH   SOLE   0 0 6,496
McCormick COM 579780206   1,514 18,266 SH   SOLE   9,600 0 8,666
McDonald's Corp. COM 580135101   2,031 7,706 SH   SOLE   1,707 0 5,999
Merck COM 58933y105   3,386 30,514 SH   SOLE   2,548 0 27,966
Merck COM 58933y105   515 4,644 SH   OTR 2 0 0 4,644
Microsoft COM 594918104   4,403 18,359 SH   SOLE   800 0 17,559
Microsoft COM 594918104   292 1,218 SH   OTR 2 0 0 1,218
Mondelez COM 609207105   265 3,971 SH   SOLE   0 0 3,971
Moody's Corp. COM 615369105   264 946 SH   SOLE   0 0 946
Nasdaq COM 631103108   1,657 27,015 SH   SOLE   0 0 27,015
Nestle ADR COM 641069406   4,879 42,128 SH   SOLE   5,000 0 37,128
Newmont Mining Corp. COM 651639106   1,541 32,651 SH   SOLE   0 0 32,651
Norfolk Southern COM 655844108   481 1,950 SH   OTR 2 0 0 1,950
Nvidia Corp. COM 67066G104   856 5,860 SH   SOLE   0 0 5,860
Old Republic COM 680223104   652 27,000 SH   SOLE   0 0 27,000
Packaging Corp. COM 695156109   235 1,835 SH   SOLE   0 0 1,835
Paychex COM 704326107   274 2,375 SH   SOLE   0 0 2,375
PepsiCo COM 713448108   4,026 22,285 SH   SOLE   94 0 22,191
PepsiCo COM 713448108   787 4,358 SH   OTR 2 0 0 4,358
Pfizer COM 717081103   6,535 127,535 SH   SOLE   17,446 0 110,089
Pfizer COM 717081103   286 5,575 SH   OTR 2 0 0 5,575
Procter & Gamble COM 742718109   5,042 33,265 SH   SOLE   2,437 0 30,828
Procter & Gamble COM 742718109   691 4,559 SH   OTR 2 0 0 4,559
Quaker Houghton COM 747316107   209 1,250 SH   SOLE   0 0 1,250
Qualcomm COM 747525103   855 7,775 SH   SOLE   600 0 7,175
Quanta Services COM 74762E102   2,986 20,956 SH   SOLE   0 0 20,956
Raytheon Technologies COM 75513e101   292 2,893 SH   SOLE   0 0 2,893
Reliance Steel & Aluminum COM 759509102   1,980 9,781 SH   SOLE   0 0 9,781
Rockwell Automation COM 773903109   1,281 4,975 SH   SOLE   0 0 4,975
S&P Global COM 78409V104   2,605 7,777 SH   SOLE   500 0 7,277
Schlumberger COM 806857108   210 3,934 SH   SOLE   600 0 3,334
Schlumberger COM 806857108   183 3,415 SH   OTR 2 0 0 3,415
Schwab, Charles COM 808513105   3,593 43,152 SH   SOLE   0 0 43,152
Synopsys COM 871607107   1,584 4,960 SH   SOLE   0 0 4,960
Target COM 87612E106   363 2,437 SH   SOLE   0 0 2,437
Teledyne Technologies COM 879360106   268 671 SH   SOLE   0 0 671
Travelers COM 89417E109   248 1,322 SH   SOLE   0 0 1,322
Truist Financial COM 89832q109   1,260 29,289 SH   SOLE   0 0 29,289
Union Pacific COM 907818108   1,023 4,938 SH   SOLE   400 0 4,538
Union Pacific COM 907818108   334 1,611 SH   OTR 2 0 0 1,611
United Health Group COM 91324P102   1,832 3,456 SH   SOLE   0 0 3,456
United Parcel Service 'B' COM 911312106   841 4,840 SH   SOLE   300 0 4,540
United Rentals COM 911363109   1,190 3,348 SH   SOLE   0 0 3,348
VMware COM 928563402   1,352 11,015 SH   SOLE   0 0 11,015
Verizon Communications COM 92343v104   1,251 31,751 SH   SOLE   1,700 0 30,051
Viatris COM 92556v106   168 15,073 SH   SOLE   2,164 0 12,909
Wal-Mart Stores COM 931142103   1,746 12,314 SH   SOLE   0 0 12,314
Waste Management COM 94106L109   2,429 15,483 SH   SOLE   0 0 15,483
Westlake Chemical Corp. COM 960413102   688 6,711 SH   SOLE   0 0 6,711
Wyndham Hotels & Resorts COM 98311a105   528 7,408 SH   SOLE   0 0 7,408
Yum! Brands COM 988498101   403 3,145 SH   SOLE   0 0 3,145
Zimmer Biomet COM 98956p102   743 5,830 SH   SOLE   1,255 0 4,575
Zimmer Biomet COM 98956p102   195 1,527 SH   OTR 2 0 0 1,527
Zoetis COM 98978v103   1,605 10,950 SH   SOLE   0 0 10,950
Hoya Capital High Dividend Yie COM 26922b840   295 27,440 SH   SOLE   600 0 26,840
Hoya Capital Housing COM 26922a230   5,931 186,942 SH   SOLE   68,752 0 118,190
Mid America Apartment Communit COM 59522J103   1,229 7,831 SH   SOLE   0 0 7,831
Store Cap Corp COM 862121100   981 30,590 SH   SOLE   140 0 30,450
Terreno Realty Corp. COM 88146m101   589 10,350 SH   SOLE   0 0 10,350