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   602,512 5,896 SH   SOLE   2,120 0 3,776
AMN Healthcare Svcs. COM 001744101   537,915 10,500 SH   SOLE   0 0 10,500
Abbott Laboratories COM 002824100   2,491,866 23,981 SH   SOLE   182 0 23,799
Abbvie COM 00287Y109   1,760,653 10,265 SH   SOLE   0 0 10,265
Aecon Group COM 00762v109   123,800 10,000 SH   SOLE   0 0 10,000
Alphabet Class A COM 02079k305   340,256 1,868 SH   SOLE   0 0 1,868
Alphabet Class C COM 02079k107   3,759,743 20,498 SH   SOLE   0 0 20,498
Amazon COM 023135106   3,558,892 18,416 SH   SOLE   0 0 18,416
American Express COM 025816109   3,405,174 14,706 SH   SOLE   0 0 14,706
American Water Works COM 030420103   698,110 5,405 SH   SOLE   0 0 5,405
Ameriprise Financial COM 03076C106   918,459 2,150 SH   SOLE   0 0 2,150
Amgen COM 031162100   1,554,126 4,974 SH   SOLE   600 0 4,374
Anheuser-Busch COM 03524a108   532,712 9,161 SH   SOLE   0 0 9,161
Apollo Global Mgmt. LLC COM 037612306   383,728 3,250 SH   SOLE   0 0 3,250
Apple COM 037833100   7,745,129 36,773 SH   SOLE   2,200 0 34,573
Applied Materials COM 038222105   4,127,937 17,492 SH   SOLE   0 0 17,492
Bank America COM 060505104   301,099 7,571 SH   SOLE   0 0 7,571
Bank of New York Mellon COM 064058100   779,768 13,020 SH   SOLE   7,392 0 5,628
Becton Dickinson COM 075887109   1,458,117 6,239 SH   SOLE   0 0 6,239
Blackstone Group COM 09253u108   248,343 2,006 SH   SOLE   0 0 2,006
Boeing COM 097023105   273,015 1,500 SH   SOLE   0 0 1,500
Bristol-Myers Squibb COM 110122108   1,749,368 42,123 SH   SOLE   7,466 0 34,657
Broadcom, Inc. COM 11135f101   2,279,853 1,420 SH   SOLE   0 0 1,420
CMS Energy COM 125896100   914,857 15,368 SH   SOLE   0 0 15,368
CVS/Caremark COM 126650100   801,740 13,575 SH   SOLE   0 0 13,575
Caterpillar COM 149123101   302,455 908 SH   SOLE   0 0 908
Chevron COM 166764100   2,642,559 16,894 SH   SOLE   716 0 16,178
Cigna COM 125509109   423,791 1,282 SH   SOLE   0 0 1,282
Cisco Systems COM 17275R952   416,900 8,775 SH   SOLE   0 0 8,775
Clorox COM 189054109   1,783,799 13,071 SH   SOLE   2,320 0 10,751
Coca-Cola COM 191216100   478,393 7,516 SH   SOLE   0 0 7,516
Corteva COM 22052l104   660,981 12,254 SH   SOLE   0 0 12,254
D R Horton COM 23331A109   3,023,653 21,455 SH   SOLE   0 0 21,455
Dell COM 24703l103   3,447,750 25,000 SH   SOLE   0 0 25,000
Diodes COM 254543101   1,261,293 17,535 SH   SOLE   0 0 17,535
Discover Financial Services COM 254709108   303,479 2,320 SH   SOLE   0 0 2,320
Disney COM 254687106   2,426,945 24,443 SH   SOLE   1,500 0 22,943
Dolby Class A COM 25659T107   878,661 11,090 SH   SOLE   0 0 11,090
Dover Corp. COM 260003108   2,987,530 16,556 SH   SOLE   0 0 16,556
Dow COM 260557103   809,861 15,266 SH   SOLE   2,958 0 12,308
Du Pont (E.I) de Nemours COM 26614N102   1,832,436 22,766 SH   SOLE   2,958 0 19,808
Eli Lilly COM 532457108   965,135 1,066 SH   SOLE   0 0 1,066
Emerson Electric COM 291011104   1,303,523 11,833 SH   SOLE   3,200 0 8,633
Exxon Mobil COM 30231G102   2,691,390 23,379 SH   SOLE   6,675 0 16,704
FedEx COM 31428x106   585,887 1,954 SH   SOLE   0 0 1,954
First American Financial COM 31847r102   230,636 4,275 SH   SOLE   0 0 4,275
GE Aerospace COM 369604301   1,237,264 7,783 SH   SOLE   225 0 7,558
GE Healthcare COM 36266g107   201,189 2,582 SH   SOLE   75 0 2,507
GE Vernova COM 36828a101   331,700 1,934 SH   SOLE   56 0 1,878
Goldman Sachs COM 38141G104   894,689 1,978 SH   SOLE   0 0 1,978
Home Depot COM 437076102   3,200,744 9,298 SH   SOLE   700 0 8,598
Hubbell COM 443510607   1,759,786 4,815 SH   SOLE   0 0 4,815
Humana COM 444859102   1,993,049 5,334 SH   SOLE   0 0 5,334
Huntington Bancshares COM 446150104   343,036 26,027 SH   SOLE   0 0 26,027
Huntington Ingalls Ind. COM 446413106   1,668,147 6,772 SH   SOLE   0 0 6,772
Icon PLC COM G4705A100   2,852,890 9,101 SH   SOLE   0 0 9,101
Intel COM 458140100   1,806,108 58,318 SH   SOLE   2,800 0 55,518
International Business Machine COM 459200101   3,087,503 17,852 SH   SOLE   1,610 0 16,242
Intuit COM 461202103   1,188,904 1,809 SH   SOLE   0 0 1,809
JPMorgan Chase COM 46625h100   12,455,373 61,581 SH   SOLE   1,224 0 60,357
Jacobs Solutions COM 46982L108   1,234,338 8,835 SH   SOLE   0 0 8,835
Johnson & Johnson COM 478160104   8,437,232 57,726 SH   SOLE   6,471 0 51,255
Kroger COM 501044101   2,044,484 40,947 SH   SOLE   0 0 40,947
Labcorp Holdings COM 50540r409   1,786,818 8,780 SH   SOLE   0 0 8,780
Lear Corp. COM 521865204   1,904,566 16,676 SH   SOLE   0 0 16,676
Lowes COM 548661107   1,163,588 5,278 SH   SOLE   0 0 5,278
Marriott Vacations Worldwide COM 57164Y107   697,512 7,988 SH   SOLE   0 0 7,988
Masco Corp. COM 574599106   751,971 11,279 SH   SOLE   0 0 11,279
McCormick COM 579780206   1,278,764 18,026 SH   SOLE   9,600 0 8,426
McDonald's Corp. COM 580135101   1,367,471 5,366 SH   SOLE   1,707 0 3,659
Merck COM 58933y105   2,044,433 16,514 SH   SOLE   2,548 0 13,966
Microsoft COM 594918104   7,718,380 17,269 SH   SOLE   800 0 16,469
Mondelez COM 609207105   248,541 3,798 SH   SOLE   0 0 3,798
Moody's Corp. COM 615369105   388,939 924 SH   SOLE   0 0 924
Nasdaq COM 631103108   1,627,924 27,015 SH   SOLE   0 0 27,015
Nestle ADR COM 641069406   3,614,397 35,411 SH   SOLE   5,000 0 30,411
Newmont Mining Corp. COM 651639106   1,332,387 31,822 SH   SOLE   0 0 31,822
Nvidia Corp. COM 67066G104   5,639,601 45,650 SH   SOLE   2,200 0 43,450
Old Republic COM 680223104   834,300 27,000 SH   SOLE   0 0 27,000
Packaging Corp. COM 695156109   334,998 1,835 SH   SOLE   0 0 1,835
Paychex COM 704326107   281,580 2,375 SH   SOLE   0 0 2,375
PepsiCo COM 713448108   2,168,830 13,150 SH   SOLE   94 0 13,056
Pfizer COM 717081103   2,735,493 97,766 SH   SOLE   17,446 0 80,320
Procter & Gamble COM 742718109   4,273,407 25,912 SH   SOLE   2,437 0 23,475
Qualcomm COM 747525103   1,434,694 7,203 SH   SOLE   600 0 6,603
Quanta Services COM 74762E102   3,707,681 14,592 SH   SOLE   0 0 14,592
Reliance Steel & Aluminum COM 759509102   2,793,454 9,781 SH   SOLE   0 0 9,781
Rockwell Automation COM 773903109   1,369,518 4,975 SH   SOLE   0 0 4,975
S&P Global COM 78409V104   3,081,860 6,910 SH   SOLE   500 0 6,410
Salesforce COM 79466l302   265,841 1,034 SH   SOLE   240 0 794
Schlumberger COM 806857108   241,750 5,124 SH   SOLE   600 0 4,524
Schwab, Charles COM 808513105   3,292,985 44,687 SH   SOLE   0 0 44,687
Synopsys COM 871607107   2,951,498 4,960 SH   SOLE   0 0 4,960
Target COM 87612E106   360,773 2,437 SH   SOLE   0 0 2,437
Teledyne Technologies COM 879360106   929,600 2,396 SH   SOLE   0 0 2,396
Travelers COM 89417E109   215,337 1,059 SH   SOLE   0 0 1,059
Truist Financial COM 89832q109   375,485 9,665 SH   SOLE   0 0 9,665
Union Pacific COM 907818108   1,016,812 4,494 SH   SOLE   400 0 4,094
United Health Group COM 91324P102   1,826,716 3,587 SH   SOLE   0 0 3,587
United Parcel Service 'B' COM 911312106   593,929 4,340 SH   SOLE   300 0 4,040
United Rentals COM 911363109   3,635,269 5,621 SH   SOLE   142 0 5,479
Verizon Communications COM 92343v104   946,128 22,942 SH   SOLE   1,700 0 21,242
Viatris COM 92556v106   117,089 11,015 SH   SOLE   2,164 0 8,851
Wal-Mart Stores COM 931142103   2,303,291 34,017 SH   SOLE   0 0 34,017
Waste Management COM 94106L109   3,104,737 14,553 SH   SOLE   0 0 14,553
Westlake Chemical Corp. COM 960413102   971,887 6,711 SH   SOLE   0 0 6,711
Wyndham Hotels & Resorts COM 98311a105   548,192 7,408 SH   SOLE   0 0 7,408
Yum! Brands COM 988498101   416,587 3,145 SH   SOLE   0 0 3,145
Zimmer Biomet COM 98956p102   588,884 5,426 SH   SOLE   1,255 0 4,171
Zoetis COM 98978v103   1,828,948 10,550 SH   SOLE   0 0 10,550
Hoya Capital High Dividend Yie COM 26922b840   757,220 75,121 SH   SOLE   30,000 0 45,121
Hoya Capital Housing COM 26922a230   6,858,998 160,417 SH   SOLE   69,027 0 91,390
Apple Hospitality COM 03784y200   247,180 17,000 SH   SOLE   0 0 17,000
Digital Realty Trust COM 253868103   288,895 1,900 SH   SOLE   50 0 1,850
Kite Realty Group COM 49803t300   1,130,414 50,510 SH   SOLE   0 0 50,510
Mid America Apartment Communit COM 59522J103   1,450,486 10,171 SH   SOLE   0 0 10,171