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   563,516 3,846 SH   SOLE   2,120 0 1,726
Abbott Laboratories COM 002824100   1,427,854 15,727 SH   SOLE   0 0 15,727
Abbvie COM 00287Y109   2,614,028 12,370 SH   SOLE   0 0 12,370
Aecon Group COM 00762v109   359,040 10,000 SH   SOLE   0 0 10,000
Alphabet Class A COM 02079k305   1,270,225 3,301 SH   SOLE   1,015 0 2,286
Alphabet Class C COM 02079k107   8,148,690 21,335 SH   SOLE   205 0 21,130
Amazon COM 023135106   5,242,622 19,779 SH   SOLE   1,260 0 18,519
American Express COM 025816109   2,953,646 9,143 SH   SOLE   0 0 9,143
Ameriprise Financial COM 03076C106   569,748 1,200 SH   SOLE   0 0 1,200
Amgen COM 031162100   1,042,559 3,011 SH   SOLE   0 0 3,011
Apollo Global Mgmt. LLC COM 037612306   418,340 3,250 SH   SOLE   0 0 3,250
Apple COM 037833100   8,099,255 29,848 SH   SOLE   2,200 0 27,648
Applied Materials COM 038222105   1,495,512 3,791 SH   SOLE   0 0 3,791
Bank America COM 060505104   252,385 4,721 SH   SOLE   0 0 4,721
Bank of New York Mellon COM 064058100   1,323,813 9,852 SH   SOLE   7,392 0 2,460
Becton Dickinson COM 075887109   269,017 1,805 SH   SOLE   0 0 1,805
Blackstone Group COM 09253u108   255,430 2,034 SH   SOLE   0 0 2,034
Boeing COM 097023105   343,545 1,500 SH   SOLE   0 0 1,500
Bristol-Myers Squibb COM 110122108   724,293 11,954 SH   SOLE   5,866 0 6,088
Broadcom, Inc. COM 11135f101   1,618,376 3,877 SH   SOLE   0 0 3,877
CVS/Caremark COM 126650100   656,325 7,880 SH   SOLE   0 0 7,880
Cal-Maine Foods COM 128030202   265,002 3,430 SH   SOLE   0 0 3,430
Capital One Financial COM 14040H105   393,122 2,055 SH   SOLE   0 0 2,055
Caterpillar COM 149123101   696,956 783 SH   SOLE   0 0 783
Chevron COM 166764100   2,862,148 14,806 SH   SOLE   716 0 14,090
Cigna COM 125509109   282,153 971 SH   SOLE   0 0 971
Cisco Systems COM 17275R952   2,139,179 23,379 SH   SOLE   0 0 23,379
Clorox COM 189054109   549,708 5,700 SH   SOLE   2,320 0 3,380
Coca-Cola COM 191216100   242,738 3,082 SH   SOLE   0 0 3,082
Constellation Energy COM 21037T109   559,018 1,786 SH   SOLE   0 0 1,786
Corteva COM 22052l104   629,367 7,769 SH   SOLE   0 0 7,769
Credo Technology COM G25457105   442,855 2,545 SH   SOLE   0 0 2,545
D R Horton COM 23331A109   3,301,066 21,455 SH   SOLE   0 0 21,455
Datadog COM 23804L103   942,383 7,129 SH   SOLE   1,035 0 6,094
Disney COM 254687106   2,115,048 20,386 SH   SOLE   1,500 0 18,886
Dolby Class A COM 25659T107   711,313 11,090 SH   SOLE   0 0 11,090
Dover Corp. COM 260003108   1,247,066 5,508 SH   SOLE   0 0 5,508
Du Pont (E.I) de Nemours COM 26614N102   841,879 18,438 SH   SOLE   2,958 0 15,480
Eli Lilly COM 532457108   996,284 1,066 SH   SOLE   0 0 1,066
Emerson Electric COM 291011104   1,850,999 13,180 SH   SOLE   3,200 0 9,980
Entergy COM 28364G103   238,886 2,026 SH   SOLE   0 0 2,026
Equifax COM 294429105   1,306,463 7,511 SH   SOLE   730 0 6,781
Evergy COM 30034w106   209,005 2,523 SH   SOLE   0 0 2,523
Exxon Mobil COM 30231G102   3,421,187 22,168 SH   SOLE   6,675 0 15,493
FedEx COM 31428x106   548,098 1,359 SH   SOLE   0 0 1,359
First American Financial COM 31847r102   299,806 4,275 SH   SOLE   0 0 4,275
GE Aerospace COM 369604301   2,134,175 7,361 SH   SOLE   700 0 6,661
GE Vernova COM 36828a101   1,299,069 1,199 SH   SOLE   56 0 1,143
Goldman Sachs COM 38141G104   3,450,281 3,735 SH   SOLE   210 0 3,525
Home Depot COM 437076102   2,282,530 6,942 SH   SOLE   700 0 6,242
Hubbell COM 443510607   2,663,319 5,241 SH   SOLE   0 0 5,241
Humana COM 444859102   818,082 3,460 SH   SOLE   0 0 3,460
Huntington Bancshares COM 446150104   285,792 17,052 SH   SOLE   0 0 17,052
Huntington Ingalls Ind. COM 446413106   1,767,535 4,852 SH   SOLE   0 0 4,852
Intel COM 458140100   4,569,431 48,364 SH   SOLE   2,800 0 45,564
International Business Machine COM 459200101   3,817,175 16,526 SH   SOLE   1,610 0 14,916
Intuit COM 461202103   388,900 1,001 SH   SOLE   0 0 1,001
JPMorgan Chase COM 46625h100   14,129,179 45,108 SH   SOLE   692 0 44,416
Jacobs Solutions COM 46982L108   1,115,514 8,620 SH   SOLE   0 0 8,620
Johnson & Johnson COM 478160104   9,613,246 41,824 SH   SOLE   6,471 0 35,353
Kroger COM 501044101   601,875 8,842 SH   SOLE   0 0 8,842
LPL Financial Holdings COM 50212V100   497,854 1,490 SH   SOLE   0 0 1,490
Labcorp Holdings COM 50540r409   2,240,580 8,725 SH   SOLE   0 0 8,725
Lear Corp. COM 521865204   1,258,841 9,902 SH   SOLE   0 0 9,902
Lowes COM 548661107   1,798,566 7,532 SH   SOLE   0 0 7,532
Match Group COM 57665r106   243,080 6,496 SH   SOLE   0 0 6,496
McCormick COM 579780206   578,864 11,386 SH   SOLE   9,600 0 1,786
McDonald's Corp. COM 580135101   1,610,635 5,486 SH   SOLE   1,707 0 3,779
Merck COM 58933y105   1,033,389 9,465 SH   SOLE   2,548 0 6,917
Microsoft COM 594918104   7,752,713 19,012 SH   SOLE   950 0 18,062
Moody's Corp. COM 615369105   426,749 924 SH   SOLE   0 0 924
Nasdaq COM 631103108   372,236 4,050 SH   SOLE   0 0 4,050
National Fuel Gas COM 636180101   959,401 11,370 SH   SOLE   0 0 11,370
Nestle ADR COM 641069406   2,098,330 20,759 SH   SOLE   5,000 0 15,759
Newmont Mining Corp. COM 651639106   461,579 4,155 SH   SOLE   0 0 4,155
Nextera Energy COM 65339F101   832,274 8,503 SH   SOLE   0 0 8,503
Nvidia Corp. COM 67066G104   3,454,557 17,310 SH   SOLE   2,630 0 14,680
Old Republic COM 680223104   1,078,650 27,000 SH   SOLE   0 0 27,000
Oracle COM 68389x105   367,324 2,276 SH   SOLE   0 0 2,276
Packaging Corp. COM 695156109   348,991 1,635 SH   SOLE   0 0 1,635
Paychex COM 704326107   210,733 2,275 SH   SOLE   0 0 2,275
PepsiCo COM 713448108   1,469,995 9,275 SH   SOLE   0 0 9,275
Pfizer COM 717081103   1,547,505 57,959 SH   SOLE   17,356 0 40,603
Procter & Gamble COM 742718109   2,305,342 15,673 SH   SOLE   2,437 0 13,236
Qnity COM 74743L100   1,278,037 9,086 SH   SOLE   1,479 0 7,607
Quanta Services COM 74762E102   767,797 1,055 SH   SOLE   0 0 1,055
RTX COM 75513e101   1,100,437 6,250 SH   SOLE   0 0 6,250
S&P Global COM 78409V104   2,339,423 5,425 SH   SOLE   590 0 4,835
SLB Ltd. COM 806857108   252,604 4,441 SH   SOLE   0 0 4,441
Salesforce COM 79466l302   221,192 1,253 SH   SOLE   240 0 1,013
Schwab, Charles COM 808513105   1,998,393 21,807 SH   SOLE   0 0 21,807
Seagate COM G7997R103   5,203,869 7,725 SH   SOLE   0 0 7,725
Service Corp. Int'l. COM 817565104   810,300 10,000 SH   SOLE   0 0 10,000
Teledyne Technologies COM 879360106   2,241,745 3,471 SH   SOLE   0 0 3,471
Travelers COM 89417E109   207,495 680 SH   SOLE   0 0 680
Union Pacific COM 907818108   809,787 3,005 SH   SOLE   0 0 3,005
United Health Group COM 91324P102   803,201 2,168 SH   SOLE   0 0 2,168
United Rentals COM 911363109   6,705,442 6,986 SH   SOLE   197 0 6,789
Verisign COM 92343e102   205,525 765 SH   SOLE   0 0 765
Verizon Communications COM 92343v104   331,695 6,906 SH   SOLE   0 0 6,906
WIX.com COM m98068105   473,908 6,345 SH   SOLE   0 0 6,345
Wal-Mart Stores COM 931142103   3,705,518 28,087 SH   SOLE   0 0 28,087
Waste Management COM 94106L109   2,540,144 10,923 SH   SOLE   0 0 10,923
Waters Corp. COM 941848103   200,690 649 SH   SOLE   0 0 649
Westlake Chemical Corp. COM 960413102   773,644 6,711 SH   SOLE   0 0 6,711
Wyndham Hotels & Resorts COM 98311a105   602,863 7,408 SH   SOLE   0 0 7,408
Yum! Brands COM 988498101   402,637 2,522 SH   SOLE   0 0 2,522
Zoetis COM 98978v103   1,260,071 10,960 SH   SOLE   0 0 10,960
Hoya Capital High Dividend Yie COM 26922b840   928,356 97,314 SH   SOLE   29,900 0 67,414
Hoya Capital Housing COM 26922a230   6,918,689 153,817 SH   SOLE   69,027 0 84,790
IShares Russell 2000 Index COM 46425H100   259,346 933 SH   SOLE   0 0 933
Ishares Russell Midcap Index COM 464287499   302,586 2,900 SH   SOLE   0 0 2,900
Apple Hospitality COM 03784y200   228,990 17,000 SH   SOLE   0 0 17,000
Digital Realty Trust COM 253868103   381,786 1,900 SH   SOLE   50 0 1,850
Kite Realty Group COM 49803t300   1,321,342 50,510 SH   SOLE   0 0 50,510