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   644,551 5,896 SH   SOLE   2,120 0 3,776
AMN Healthcare Svcs. COM 001744101   786,240 10,500 SH   SOLE   0 0 10,500
AT&T COM 030177109   177,281 10,565 SH   SOLE   0 0 10,565
Abbott Laboratories COM 002824100   3,311,676 30,087 SH   SOLE   182 0 29,905
Abbvie COM 00287Y109   5,240,311 33,815 SH   SOLE   0 0 33,815
Aecon Group COM 00762v109   98,200 10,000 SH   SOLE   0 0 10,000
Alphabet Class A COM 02079k305   260,941 1,868 SH   SOLE   0 0 1,868
Alphabet Class A COM 02079k305   69,845 500 SH   OTR 2 0 0 500
Alphabet Class C COM 02079k107   3,096,232 21,970 SH   SOLE   0 0 21,970
Alphabet Class C COM 02079k107   287,497 2,040 SH   OTR 2 0 0 2,040
Amazon COM 023135106   2,940,951 19,356 SH   SOLE   0 0 19,356
Amazon COM 023135106   91,164 600 SH   OTR 2 0 0 600
American Express COM 025816109   2,878,666 15,366 SH   SOLE   0 0 15,366
American Water Works COM 030420103   713,406 5,405 SH   SOLE   0 0 5,405
Ameriprise Financial COM 03076C106   816,635 2,150 SH   SOLE   0 0 2,150
Amgen COM 031162100   1,540,619 5,349 SH   SOLE   600 0 4,749
Anheuser-Busch COM 03524a108   489,690 7,578 SH   SOLE   0 0 7,578
Apollo Global Mgmt. LLC COM 037612306   302,868 3,250 SH   SOLE   0 0 3,250
Apple COM 037833100   7,113,984 36,950 SH   SOLE   2,200 0 34,750
Apple COM 037833100   588,179 3,055 SH   OTR 2 0 0 3,055
Applied Materials COM 038222105   3,118,551 19,242 SH   SOLE   0 0 19,242
Bank America COM 060505104   254,916 7,571 SH   SOLE   0 0 7,571
Bank of New York Mellon COM 064058100   677,691 13,020 SH   SOLE   7,392 0 5,628
Becton Dickinson COM 075887109   1,521,255 6,239 SH   SOLE   0 0 6,239
Blackstone Group COM 09253u108   262,626 2,006 SH   SOLE   0 0 2,006
Boeing COM 097023105   390,990 1,500 SH   SOLE   0 0 1,500
Bristol-Myers Squibb COM 110122108   3,513,452 68,475 SH   SOLE   7,466 0 61,009
Bristol-Myers Squibb COM 110122108   176,763 3,445 SH   OTR 2 0 0 3,445
Broadcom, Inc. COM 11135f101   1,827,301 1,637 SH   SOLE   0 0 1,637
CMS Energy COM 125896100   892,420 15,368 SH   SOLE   0 0 15,368
CVS/Caremark COM 126650100   1,198,218 15,175 SH   SOLE   0 0 15,175
Caterpillar COM 149123101   268,468 908 SH   SOLE   0 0 908
Chevron COM 166764100   2,575,247 17,265 SH   SOLE   716 0 16,549
Chevron COM 166764100   343,963 2,306 SH   OTR 2 0 0 2,306
Cigna COM 125509109   383,895 1,282 SH   SOLE   0 0 1,282
Cisco Systems COM 17275R952   449,628 8,900 SH   SOLE   0 0 8,900
Cisco Systems COM 17275R952   53,551 1,060 SH   OTR 2 0 0 1,060
Clorox COM 189054109   2,580,309 18,096 SH   SOLE   2,320 0 15,776
Coca-Cola COM 191216100   442,918 7,516 SH   SOLE   0 0 7,516
Corteva COM 22052l104   609,543 12,720 SH   SOLE   0 0 12,720
D R Horton COM 23331A109   3,271,370 21,525 SH   SOLE   0 0 21,525
Dell COM 24703l103   1,912,500 25,000 SH   SOLE   0 0 25,000
Diodes COM 254543101   1,935,298 24,035 SH   SOLE   0 0 24,035
Discover Financial Services COM 254709108   395,648 3,520 SH   SOLE   0 0 3,520
Disney COM 254687106   2,383,024 26,393 SH   SOLE   1,500 0 24,893
Dolby Class A COM 25659T107   955,736 11,090 SH   SOLE   0 0 11,090
Dover Corp. COM 260003108   2,623,383 17,056 SH   SOLE   0 0 17,056
Dow COM 260557103   837,187 15,266 SH   SOLE   2,958 0 12,308
Du Pont (E.I) de Nemours COM 26614N102   1,782,161 23,166 SH   SOLE   2,958 0 20,208
Eli Lilly COM 532457108   775,284 1,330 SH   SOLE   0 0 1,330
Emerson Electric COM 291011104   1,151,706 11,833 SH   SOLE   3,200 0 8,633
Emerson Electric COM 291011104   303,962 3,123 SH   OTR 2 0 0 3,123
Equifax COM 294429105   349,421 1,413 SH   OTR 2 0 0 1,413
Exxon Mobil COM 30231G102   4,951,809 49,528 SH   SOLE   6,675 0 42,853
Exxon Mobil COM 30231G102   430,714 4,308 SH   OTR 2 0 0 4,308
FedEx COM 31428x106   494,303 1,954 SH   SOLE   0 0 1,954
First American Financial COM 31847r102   275,481 4,275 SH   SOLE   0 0 4,275
Fortrea Holdings COM 34965k107   259,621 7,439 SH   SOLE   0 0 7,439
GE Healthcare COM 36266g107   200,181 2,589 SH   SOLE   75 0 2,514
GE Healthcare COM 36266g107   10,902 141 SH   OTR 2 0 0 141
General Electric COM 369604301   993,344 7,783 SH   SOLE   225 0 7,558
General Electric COM 369604301   95,467 748 SH   OTR 2 0 0 748
Goldman Sachs COM 38141G104   1,002,230 2,598 SH   SOLE   0 0 2,598
Home Depot COM 437076102   3,430,152 9,898 SH   SOLE   700 0 9,198
Hubbell COM 443510607   1,608,468 4,890 SH   SOLE   0 0 4,890
Humana COM 444859102   2,229,077 4,869 SH   SOLE   0 0 4,869
Huntington Bancshares COM 446150104   336,151 26,427 SH   SOLE   0 0 26,427
Huntington Ingalls Ind. COM 446413106   1,758,282 6,772 SH   SOLE   0 0 6,772
Icon PLC COM G4705A100   2,576,220 9,101 SH   SOLE   0 0 9,101
Intel COM 458140100   3,093,641 61,565 SH   SOLE   2,800 0 58,765
Intel COM 458140100   75,375 1,500 SH   OTR 2 0 0 1,500
International Business Machine COM 459200101   3,242,706 19,827 SH   SOLE   1,610 0 18,217
Intuit COM 461202103   1,130,688 1,809 SH   SOLE   0 0 1,809
JPMorgan Chase COM 46625h100   10,630,229 62,494 SH   SOLE   1,224 0 61,270
JPMorgan Chase COM 46625h100   1,283,915 7,548 SH   OTR 2 0 0 7,548
Jacobs Solutions COM 46982L108   874,203 6,735 SH   SOLE   0 0 6,735
Johnson & Johnson COM 478160104   14,402,055 91,885 SH   SOLE   6,471 0 85,414
Johnson & Johnson COM 478160104   632,446 4,035 SH   OTR 2 0 0 4,035
Kimberly Clark COM 494368103   12,151 100 SH   SOLE   0 0 100
Kimberly Clark COM 494368103   299,279 2,463 SH   OTR 2 0 0 2,463
Kroger COM 501044101   1,650,634 36,111 SH   SOLE   0 0 36,111
Laboratory Corp. of America COM 50540r409   1,749,906 7,699 SH   SOLE   0 0 7,699
Lear Corp. COM 521865204   1,465,054 10,375 SH   SOLE   0 0 10,375
Lowes COM 548661107   1,331,517 5,983 SH   SOLE   0 0 5,983
Marriott Vacations Worldwide COM 57164Y107   678,101 7,988 SH   SOLE   0 0 7,988
Masco Corp. COM 574599106   755,467 11,279 SH   SOLE   0 0 11,279
Match Group COM 57665r106   237,104 6,496 SH   SOLE   0 0 6,496
McCormick COM 579780206   1,233,339 18,026 SH   SOLE   9,600 0 8,426
McDonald's Corp. COM 580135101   2,284,906 7,706 SH   SOLE   1,707 0 5,999
Merck COM 58933y105   3,326,636 30,514 SH   SOLE   2,548 0 27,966
Merck COM 58933y105   266,445 2,444 SH   OTR 2 0 0 2,444
Microsoft COM 594918104   6,712,314 17,850 SH   SOLE   800 0 17,050
Microsoft COM 594918104   373,408 993 SH   OTR 2 0 0 993
Mondelez COM 609207105   287,620 3,971 SH   SOLE   0 0 3,971
Moody's Corp. COM 615369105   369,470 946 SH   SOLE   0 0 946
Nasdaq COM 631103108   1,570,652 27,015 SH   SOLE   0 0 27,015
Nestle ADR COM 641069406   4,837,791 41,757 SH   SOLE   5,000 0 36,757
Newmont Mining Corp. COM 651639106   1,341,947 32,422 SH   SOLE   0 0 32,422
Norfolk Southern COM 655844108   434,466 1,838 SH   OTR 2 0 0 1,838
Nvidia Corp. COM 67066G104   3,010,938 6,080 SH   SOLE   220 0 5,860
Old Republic COM 680223104   793,800 27,000 SH   SOLE   0 0 27,000
Packaging Corp. COM 695156109   298,940 1,835 SH   SOLE   0 0 1,835
Paychex COM 704326107   282,886 2,375 SH   SOLE   0 0 2,375
PepsiCo COM 713448108   3,763,654 22,160 SH   SOLE   94 0 22,066
PepsiCo COM 713448108   667,301 3,929 SH   OTR 2 0 0 3,929
Pfizer COM 717081103   3,502,707 121,664 SH   SOLE   17,446 0 104,218
Pfizer COM 717081103   25,191 875 SH   OTR 2 0 0 875
Procter & Gamble COM 742718109   4,815,597 32,862 SH   SOLE   2,437 0 30,425
Procter & Gamble COM 742718109   412,803 2,817 SH   OTR 2 0 0 2,817
Quaker Houghton COM 747316107   266,775 1,250 SH   SOLE   0 0 1,250
Qualcomm COM 747525103   1,041,770 7,203 SH   SOLE   600 0 6,603
Quanta Services COM 74762E102   3,148,954 14,592 SH   SOLE   0 0 14,592
RTX COM 75513e101   204,208 2,427 SH   SOLE   0 0 2,427
Reliance Steel & Aluminum COM 759509102   2,735,550 9,781 SH   SOLE   0 0 9,781
Rockwell Automation COM 773903109   1,544,638 4,975 SH   SOLE   0 0 4,975
S&P Global COM 78409V104   3,362,930 7,634 SH   SOLE   500 0 7,134
Schlumberger COM 806857108   287,573 5,526 SH   SOLE   600 0 4,926
Schlumberger COM 806857108   177,717 3,415 SH   OTR 2 0 0 3,415
Schwab, Charles COM 808513105   3,074,466 44,687 SH   SOLE   0 0 44,687
Synopsys COM 871607107   2,553,954 4,960 SH   SOLE   0 0 4,960
Target COM 87612E106   347,078 2,437 SH   SOLE   0 0 2,437
Teledyne Technologies COM 879360106   1,069,311 2,396 SH   SOLE   0 0 2,396
Travelers COM 89417E109   201,729 1,059 SH   SOLE   0 0 1,059
Truist Financial COM 89832q109   376,215 10,190 SH   SOLE   0 0 10,190
Union Pacific COM 907818108   1,166,449 4,749 SH   SOLE   400 0 4,349
Union Pacific COM 907818108   162,355 661 SH   OTR 2 0 0 661
United Health Group COM 91324P102   2,054,286 3,902 SH   SOLE   0 0 3,902
United Parcel Service 'B' COM 911312106   754,704 4,800 SH   SOLE   300 0 4,500
United Rentals COM 911363109   2,828,107 4,932 SH   SOLE   0 0 4,932
Verizon Communications COM 92343v104   1,035,619 27,470 SH   SOLE   1,700 0 25,770
Viatris COM 92556v106   121,090 11,181 SH   SOLE   2,164 0 9,017
Wal-Mart Stores COM 931142103   1,945,243 12,339 SH   SOLE   0 0 12,339
Waste Management COM 94106L109   2,776,587 15,503 SH   SOLE   0 0 15,503
Westlake Chemical Corp. COM 960413102   939,272 6,711 SH   SOLE   0 0 6,711
Wyndham Hotels & Resorts COM 98311a105   595,677 7,408 SH   SOLE   0 0 7,408
Yum! Brands COM 988498101   410,926 3,145 SH   SOLE   0 0 3,145
Zimmer Biomet COM 98956p102   672,758 5,528 SH   SOLE   1,255 0 4,273
Zimmer Biomet COM 98956p102   131,071 1,077 SH   OTR 2 0 0 1,077
Zoetis COM 98978v103   2,161,202 10,950 SH   SOLE   0 0 10,950
Hoya Capital High Dividend Yie COM 26922b840   857,230 77,930 SH   SOLE   30,000 0 47,930
Hoya Capital Housing COM 26922a230   7,820,740 184,992 SH   SOLE   68,752 0 116,240
Apple Hospitality COM 03784y200   282,370 17,000 SH   SOLE   0 0 17,000
Digital Realty Trust COM 253868103   262,431 1,950 SH   SOLE   50 0 1,900
Kite Realty Group COM 49803t300   1,154,659 50,510 SH   SOLE   0 0 50,510
Mid America Apartment Communit COM 59522J103   1,367,593 10,171 SH   SOLE   0 0 10,171