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   585,515 3,846 SH   SOLE   2,120 0 1,726
Abbott Laboratories COM 002824100   2,632,882 19,358 SH   SOLE   182 0 19,176
Abbvie COM 00287Y109   4,004,752 21,575 SH   SOLE   0 0 21,575
Aecon Group COM 00762v109   149,820 10,000 SH   SOLE   0 0 10,000
Akamai Technologies COM 00971T101   452,638 5,675 SH   SOLE   0 0 5,675
Alphabet Class A COM 02079k305   241,083 1,368 SH   SOLE   0 0 1,368
Alphabet Class C COM 02079k107   3,599,243 20,290 SH   SOLE   205 0 20,085
Amazon COM 023135106   3,682,461 16,785 SH   SOLE   0 0 16,785
American Express COM 025816109   2,938,763 9,213 SH   SOLE   0 0 9,213
Ameriprise Financial COM 03076C106   640,476 1,200 SH   SOLE   0 0 1,200
Amgen COM 031162100   1,163,189 4,166 SH   SOLE   600 0 3,566
Anheuser-Busch COM 03524a108   287,799 4,188 SH   SOLE   0 0 4,188
Apollo Global Mgmt. LLC COM 037612306   461,078 3,250 SH   SOLE   0 0 3,250
Apple COM 037833100   6,025,227 29,367 SH   SOLE   2,200 0 27,167
Applied Materials COM 038222105   411,908 2,250 SH   SOLE   0 0 2,250
Bank America COM 060505104   346,430 7,321 SH   SOLE   0 0 7,321
Bank of New York Mellon COM 064058100   897,616 9,852 SH   SOLE   7,392 0 2,460
Becton Dickinson COM 075887109   1,074,323 6,237 SH   SOLE   0 0 6,237
Blackstone Group COM 09253u108   304,246 2,034 SH   SOLE   0 0 2,034
Boeing COM 097023105   314,295 1,500 SH   SOLE   0 0 1,500
Bristol-Myers Squibb COM 110122108   1,407,864 30,414 SH   SOLE   7,466 0 22,948
Broadcom, Inc. COM 11135f101   829,707 3,010 SH   SOLE   0 0 3,010
CVS/Caremark COM 126650100   613,232 8,890 SH   SOLE   0 0 8,890
Capital One Financial COM 14040H105   437,222 2,055 SH   SOLE   0 0 2,055
Caterpillar COM 149123101   303,968 783 SH   SOLE   0 0 783
Chevron COM 166764100   2,016,402 14,082 SH   SOLE   716 0 13,366
Cigna COM 125509109   320,993 971 SH   SOLE   0 0 971
Cisco Systems COM 17275R952   887,578 12,793 SH   SOLE   0 0 12,793
Clorox COM 189054109   1,310,804 10,917 SH   SOLE   2,320 0 8,597
Corteva COM 22052l104   579,024 7,769 SH   SOLE   0 0 7,769
D R Horton COM 23331A109   2,765,979 21,455 SH   SOLE   0 0 21,455
Datadog COM 23804L103   600,455 4,470 SH   SOLE   0 0 4,470
Deere COM 244199105   224,753 442 SH   SOLE   0 0 442
Disney COM 254687106   2,588,833 20,876 SH   SOLE   1,500 0 19,376
Dolby Class A COM 25659T107   823,543 11,090 SH   SOLE   0 0 11,090
Dover Corp. COM 260003108   1,025,722 5,598 SH   SOLE   0 0 5,598
Du Pont (E.I) de Nemours COM 26614N102   1,234,963 18,005 SH   SOLE   2,958 0 15,047
Eli Lilly COM 532457108   830,979 1,066 SH   SOLE   0 0 1,066
Emerson Electric COM 291011104   1,189,704 8,923 SH   SOLE   3,200 0 5,723
Equifax COM 294429105   2,223,320 8,572 SH   SOLE   680 0 7,892
Exxon Mobil COM 30231G102   2,233,939 20,723 SH   SOLE   6,675 0 14,048
FedEx COM 31428x106   404,384 1,779 SH   SOLE   0 0 1,779
First American Financial COM 31847r102   262,442 4,275 SH   SOLE   0 0 4,275
GE Aerospace COM 369604301   1,147,445 4,458 SH   SOLE   225 0 4,233
GE Vernova COM 36828a101   592,119 1,119 SH   SOLE   56 0 1,063
Global Payment COM 37940x102   1,254,387 15,672 SH   SOLE   0 0 15,672
Goldman Sachs COM 38141G104   1,934,281 2,733 SH   SOLE   0 0 2,733
Home Depot COM 437076102   2,545,215 6,942 SH   SOLE   700 0 6,242
Hubbell COM 443510607   1,974,662 4,835 SH   SOLE   0 0 4,835
Humana COM 444859102   845,901 3,460 SH   SOLE   0 0 3,460
Huntington Bancshares COM 446150104   375,877 22,427 SH   SOLE   0 0 22,427
Huntington Ingalls Ind. COM 446413106   1,171,564 4,852 SH   SOLE   0 0 4,852
Icon PLC COM G4705A100   1,120,110 7,701 SH   SOLE   0 0 7,701
Intel COM 458140100   1,088,237 48,582 SH   SOLE   2,800 0 45,782
International Business Machine COM 459200101   4,368,345 14,819 SH   SOLE   1,610 0 13,209
JPMorgan Chase COM 46625h100   13,218,736 45,596 SH   SOLE   1,224 0 44,372
Jacobs Solutions COM 46982L108   1,161,361 8,835 SH   SOLE   0 0 8,835
Johnson & Johnson COM 478160104   7,641,930 50,029 SH   SOLE   6,471 0 43,558
Kroger COM 501044101   2,937,128 40,947 SH   SOLE   0 0 40,947
LPL Financial Holdings COM 50212V100   558,705 1,490 SH   SOLE   0 0 1,490
Labcorp Holdings COM 50540r409   2,304,838 8,780 SH   SOLE   0 0 8,780
Lear Corp. COM 521865204   991,781 10,442 SH   SOLE   0 0 10,442
Lowes COM 548661107   1,271,537 5,731 SH   SOLE   0 0 5,731
Match Group COM 57665r106   200,661 6,496 SH   SOLE   0 0 6,496
McCormick COM 579780206   863,287 11,386 SH   SOLE   9,600 0 1,786
McDonald's Corp. COM 580135101   2,112,681 7,231 SH   SOLE   1,707 0 5,524
Merck COM 58933y105   694,233 8,770 SH   SOLE   2,548 0 6,222
Microsoft COM 594918104   8,529,587 17,148 SH   SOLE   800 0 16,348
Mondelez COM 609207105   215,673 3,198 SH   SOLE   0 0 3,198
Moody's Corp. COM 615369105   463,469 924 SH   SOLE   0 0 924
Nasdaq COM 631103108   362,151 4,050 SH   SOLE   0 0 4,050
Nestle ADR COM 641069406   2,106,029 21,266 SH   SOLE   5,000 0 16,266
Newmont Mining Corp. COM 651639106   1,628,192 27,947 SH   SOLE   0 0 27,947
Nvidia Corp. COM 67066G104   1,814,673 11,486 SH   SOLE   2,200 0 9,286
Old Republic COM 680223104   1,037,880 27,000 SH   SOLE   0 0 27,000
Oracle COM 68389x105   218,630 1,000 SH   SOLE   0 0 1,000
Packaging Corp. COM 695156109   308,116 1,635 SH   SOLE   0 0 1,635
Paychex COM 704326107   345,468 2,375 SH   SOLE   0 0 2,375
PepsiCo COM 713448108   1,529,947 11,587 SH   SOLE   94 0 11,493
Pfizer COM 717081103   1,827,648 75,398 SH   SOLE   17,446 0 57,952
Procter & Gamble COM 742718109   3,228,460 20,264 SH   SOLE   2,437 0 17,827
RTX COM 75513e101   256,995 1,760 SH   SOLE   0 0 1,760
S&P Global COM 78409V104   2,440,825 4,629 SH   SOLE   500 0 4,129
Salesforce COM 79466l302   472,844 1,734 SH   SOLE   240 0 1,494
Schwab, Charles COM 808513105   2,021,605 22,157 SH   SOLE   0 0 22,157
Seagate COM G7997R103   1,114,949 7,725 SH   SOLE   0 0 7,725
Target COM 87612E106   240,410 2,437 SH   SOLE   0 0 2,437
Teledyne Technologies COM 879360106   1,516,950 2,961 SH   SOLE   0 0 2,961
Union Pacific COM 907818108   1,033,980 4,494 SH   SOLE   400 0 4,094
United Health Group COM 91324P102   996,432 3,194 SH   SOLE   0 0 3,194
United Parcel Service 'B' COM 911312106   405,779 4,020 SH   SOLE   300 0 3,720
United Rentals COM 911363109   4,619,849 6,132 SH   SOLE   197 0 5,935
Verisign COM 92343e102   220,932 765 SH   SOLE   0 0 765
Verizon Communications COM 92343v104   298,823 6,906 SH   SOLE   0 0 6,906
WIX.com COM m98068105   1,005,429 6,345 SH   SOLE   0 0 6,345
Wal-Mart Stores COM 931142103   3,215,495 32,885 SH   SOLE   0 0 32,885
Waste Management COM 94106L109   2,906,700 12,703 SH   SOLE   0 0 12,703
Westlake Chemical Corp. COM 960413102   509,566 6,711 SH   SOLE   0 0 6,711
Wyndham Hotels & Resorts COM 98311a105   601,604 7,408 SH   SOLE   0 0 7,408
Yum! Brands COM 988498101   373,710 2,522 SH   SOLE   0 0 2,522
Zimmer Biomet COM 98956p102   395,578 4,337 SH   SOLE   1,255 0 3,082
Zoetis COM 98978v103   1,749,759 11,220 SH   SOLE   0 0 11,220
Hoya Capital High Dividend Yie COM 26922b840   713,012 75,133 SH   SOLE   30,000 0 45,133
Hoya Capital Housing COM 26922a230   6,684,887 153,817 SH   SOLE   69,027 0 84,790
Ishares Russell Midcap Index COM 464287499   200,862 2,184 SH   SOLE   0 0 2,184
Apple Hospitality COM 03784y200   198,390 17,000 SH   SOLE   0 0 17,000
Digital Realty Trust COM 253868103   331,227 1,900 SH   SOLE   50 0 1,850
Kite Realty Group COM 49803t300   1,144,052 50,510 SH   SOLE   0 0 50,510
Mid America Apartment Communit COM 59522J103   220,535 1,490 SH   SOLE   0 0 1,490