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
Estimated average burden
hours per response: 23.8
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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101 441 3,994 SH   SOLE None 3,919 0 75
ABBOTT LABS COM 002824100 528 5,455 SH   SOLE None 5,455 0 0
ABBVIE INC COM 00287Y109 3,983 29,679 SH   SOLE None 29,429 0 250
ADVANCE AUTO PARTS INC COM 00751Y106 3,063 19,590 SH   SOLE None 19,540 0 50
AFLAC INC COM 001055102 500 8,900 SH   SOLE None 8,900 0 0
AIR PRODS & CHEMS INC COM 009158106 220 947 SH   SOLE None 947 0 0
ALPHABET INC CAP STK CL A 02079K305 2,282 23,860 SH   SOLE None 23,860 0 0
ALPHABET INC CAP STK CL C 02079K107 4,359 45,340 SH   SOLE None 45,340 0 0
ALTRIA GROUP INC COM 02209S103 8,794 217,789 SH   SOLE None 217,289 0 500
AMAZON COM INC COM 023135106 624 5,520 SH   SOLE None 5,520 0 0
AMERICAN EXPRESS CO COM 025816109 1,433 10,622 SH   SOLE None 10,622 0 0
AMGEN INC COM 031162100 6,350 28,170 SH   SOLE None 28,170 0 0
APPLE INC COM 037833100 18,581 134,448 SH   SOLE None 133,394 0 1,054
ARCOS DORADOS HOLDINGS INC SHS CLASS -A - G0457F107 198 27,131 SH   SOLE None 27,131 0 0
AT&T INC COM 00206R102 1,290 84,076 SH   SOLE None 83,476 0 600
AUTOMATIC DATA PROCESSING IN COM 053015103 865 3,822 SH   SOLE None 3,822 0 0
B & G FOODS INC NEW COM 05508R106 412 24,960 SH   SOLE None 24,460 0 500
BANK NEW YORK MELLON CORP COM 064058100 2,772 71,950 SH   SOLE None 71,650 0 300
BECTON DICKINSON & CO COM 075887109 437 1,960 SH   SOLE None 1,960 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 9,415 35,258 SH   SOLE None 35,158 0 100
BK OF AMERICA CORP COM 060505104 4,891 161,966 SH   SOLE None 161,166 0 800
BLACKROCK INC COM 09247X101 2,349 4,269 SH   SOLE None 4,269 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 4,540 63,858 SH   SOLE None 63,858 0 0
BROADCOM INC COM 11135F101 524 1,181 SH   SOLE None 1,027 0 154
CANADIAN PAC RY LTD COM 13645T100 240 3,595 SH   SOLE None 3,595 0 0
CANNAE HLDGS INC COM 13765N107 3,373 163,250 SH   SOLE None 163,250 0 0
CARDINAL HEALTH INC COM 14149Y108 1,011 15,165 SH   SOLE None 15,165 0 0
CARMAX INC COM 143130102 2,110 31,960 SH   SOLE None 31,960 0 0
CHEVRON CORP NEW COM 166764100 6,243 43,453 SH   SOLE None 43,453 0 0
CISCO SYS INC COM 17275R102 6,949 173,717 SH   SOLE None 173,167 0 550
CITIGROUP INC COM NEW 172967424 4,844 116,236 SH   SOLE None 115,936 0 300
CME GROUP INC COM 12572Q105 4,521 25,524 SH   SOLE None 25,524 0 0
COCA COLA CO COM 191216100 672 12,004 SH   SOLE None 12,004 0 0
COMCAST CORP NEW CL A 20030N101 615 20,952 SH   SOLE None 20,952 0 0
CONOCOPHILLIPS COM 20825C104 216 2,106 SH   SOLE None 2,106 0 0
COSTCO WHSL CORP NEW COM 22160K105 2,691 5,697 SH   SOLE None 5,697 0 0
CUMMINS INC COM 231021106 861 4,233 SH   SOLE None 4,233 0 0
CVS HEALTH CORP COM 126650100 3,135 32,869 SH   SOLE None 32,869 0 0
D R HORTON INC COM 23331A109 3,896 57,845 SH   SOLE None 57,845 0 0
DANAHER CORPORATION COM 235851102 1,022 3,956 SH   SOLE None 3,956 0 0
DAVITA INC COM 23918K108 3,989 48,190 SH   SOLE None 48,190 0 0
DELTA AIR LINES INC DEL COM NEW 247361702 543 19,350 SH   SOLE None 19,350 0 0
DIAGEO PLC SPON ADR NEW 25243Q205 431 2,537 SH   SOLE None 2,537 0 0
DISNEY WALT CO COM 254687106 521 5,525 SH   SOLE None 5,525 0 0
EATON CORP PLC SHS G29183103 556 4,173 SH   SOLE None 4,173 0 0
EBAY INC. COM 278642103 1,705 46,325 SH   SOLE None 46,325 0 0
EMERSON ELEC CO COM 291011104 2,242 30,621 SH   SOLE None 29,960 0 661
EXXON MOBIL CORP COM 30231G102 36,393 416,823 SH   SOLE None 416,548 0 275
FEDERATED HERMES INC CL B 314211103 5,675 171,350 SH   SOLE None 170,650 0 700
GENERAL ELECTRIC CO COM NEW 369604301 3,157 50,997 SH   SOLE None 50,997 0 0
GENIUS SPORTS LIMITED SHARES CL A G3934V109 423 115,255 SH   SOLE None 115,255 0 0
GOODRX HLDGS INC COM CL A 38246G108 377 80,830 SH   SOLE None 80,830 0 0
GRAINGER W W INC COM 384802104 489 1,000 SH   SOLE None 1,000 0 0
HEWLETT PACKARD ENTERPRISE C COM 42824C109 372 31,085 SH   SOLE None 31,085 0 0
HP INC COM 40434L105 1,356 54,400 SH   SOLE None 54,400 0 0
ILLINOIS TOOL WKS INC COM 452308109 415 2,300 SH   SOLE None 2,300 0 0
INTEL CORP COM 458140100 1,461 56,676 SH   SOLE None 56,376 0 300
INTERNATIONAL BUSINESS MACHS COM 459200101 1,133 9,538 SH   SOLE None 9,438 0 100
INTERNATIONAL PAPER CO COM 460146103 215 6,793 SH   SOLE None 6,793 0 0
INTUIT COM 461202103 1,483 3,828 SH   SOLE None 3,828 0 0
ISHARES TR CORE S&P SCP ETF 464287804 255 2,922 SH   SOLE None 2,922 0 0
ISHARES TR CORE S&P500 ETF 464287200 585 1,630 SH   SOLE None 1,630 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 210 1,276 SH   SOLE None 1,276 0 0
ISHARES TR TIPS BD ETF 464287176 341 3,255 SH   SOLE None 3,255 0 0
ISHARES TR CORE MSCI EAFE 46432F842 316 6,000 SH   SOLE None 6,000 0 0
JOHNSON & JOHNSON COM 478160104 3,045 18,637 SH   SOLE None 18,637 0 0
JPMORGAN CHASE & CO COM 46625H100 6,475 61,960 SH   SOLE None 61,148 0 812
KIMBERLY-CLARK CORP COM 494368103 235 2,087 SH   SOLE None 2,087 0 0
KINDER MORGAN INC DEL COM 49456B101 1,773 106,570 SH   SOLE None 105,670 0 900
LABORATORY CORP AMER HLDGS COM NEW 50540R409 3,397 16,587 SH   SOLE None 16,587 0 0
LKQ CORP COM 501889208 7,055 149,636 SH   SOLE None 149,636 0 0
LOCKHEED MARTIN CORP COM 539830109 1,234 3,194 SH   SOLE None 3,169 0 25
LOWES COS INC COM 548661107 697 3,712 SH   SOLE None 3,712 0 0
M D C HLDGS INC COM 552676108 1,642 59,870 SH   SOLE None 59,600 0 270
MASTERCARD INCORPORATED CL A 57636Q104 1,608 5,655 SH   SOLE None 5,655 0 0
MCDONALDS CORP COM 580135101 284 1,229 SH   SOLE None 1,229 0 0
MCKESSON CORP COM 58155Q103 9,017 26,530 SH   SOLE None 26,530 0 0
MERCK & CO INC COM 58933Y105 5,637 65,451 SH   SOLE None 65,251 0 200
MICROSOFT CORP COM 594918104 10,067 43,226 SH   SOLE None 43,226 0 0
MOLSON COORS BEVERAGE CO CL B 60871R209 3,052 63,597 SH   SOLE None 63,597 0 0
NEWMARKET CORP COM 651587107 430 1,430 SH   SOLE None 1,430 0 0
NEWMONT CORP COM 651639106 3,047 72,485 SH   SOLE None 72,285 0 200
NEXTERA ENERGY INC COM 65339F101 248 3,169 SH   SOLE None 3,169 0 0
NORFOLK SOUTHN CORP COM 655844108 1,677 8,000 SH   SOLE None 8,000 0 0
NOVARTIS AG SPONSORED ADR 66987V109 272 3,576 SH   SOLE None 3,576 0 0
OLD REP INTL CORP COM 680223104 354 16,915 SH   SOLE None 16,915 0 0
OMNICOM GROUP INC COM 681919106 297 4,700 SH   SOLE None 4,700 0 0
ORACLE CORP COM 68389X105 1,702 27,865 SH   SOLE None 27,865 0 0
PAYPAL HLDGS INC COM 70450Y103 1,135 13,185 SH   SOLE None 13,185 0 0
PAYSAFE LIMITED ORD G6964L107 109 79,250 SH   SOLE None 79,250 0 0
PAYSAFE LIMITED *W EXP 03/30/202 G6964L115 47 316,271 SH   SOLE None 316,271 0 0
PEPSICO INC COM 713448108 2,664 16,320 SH   SOLE None 16,220 0 100
PETMED EXPRESS INC COM 716382106 1,713 87,780 SH   SOLE None 87,780 0 0
PFIZER INC COM 717081103 3,871 88,452 SH   SOLE None 87,852 0 600
PHILIP MORRIS INTL INC COM 718172109 737 8,880 SH   SOLE None 8,880 0 0
PHILLIPS 66 COM 718546104 415 5,143 SH   SOLE None 5,143 0 0
PRICE T ROWE GROUP INC COM 74144T108 2,636 25,100 SH   SOLE None 25,100 0 0
PRINCIPAL FINANCIAL GROUP IN COM 74251V102 234 3,237 SH   SOLE None 3,237 0 0
PROCTER AND GAMBLE CO COM 742718109 2,007 15,895 SH   SOLE None 15,895 0 0
PROGRESSIVE CORP COM 743315103 505 4,343 SH   SOLE None 4,343 0 0
PULTE GROUP INC COM 745867101 1,864 49,713 SH   SOLE None 49,713 0 0
QUALCOMM INC COM 747525103 6,272 55,512 SH   SOLE None 55,004 0 508
REPUBLIC SVCS INC COM 760759100 210 1,547 SH   SOLE None 1,547 0 0
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103 5,690 106,887 SH   SOLE None 106,487 0 400
SENSATA TECHNOLOGIES HLDG PL SHS G8060N102 2,942 78,925 SH   SOLE None 78,925 0 0
SONY GROUP CORPORATION SPONSORED ADR 835699307 4,183 65,309 SH   SOLE None 65,309 0 0
STORE CAP CORP COM 862121100 4,049 129,243 SH   SOLE None 128,793 0 450
SUBURBAN PROPANE PARTNERS L UNIT LTD PARTN 864482104 1,178 78,300 SH   SOLE None 78,300 0 0
SUNCOR ENERGY INC NEW COM 867224107 3,186 113,195 SH   SOLE None 112,795 0 400
TANGER FACTORY OUTLET CTRS I COM 875465106 3,294 240,768 SH   SOLE None 239,968 0 800
TARGET CORP COM 87612E106 2,280 15,366 SH   SOLE None 15,316 0 50
THERMO FISHER SCIENTIFIC INC COM 883556102 304 600 SH   SOLE None 600 0 0
TORONTO DOMINION BK ONT COM NEW 891160509 1,540 25,115 SH   SOLE None 24,965 0 150
TRAVELERS COMPANIES INC COM 89417E109 536 3,500 SH   SOLE None 3,500 0 0
UNILEVER PLC SPON ADR NEW 904767704 2,575 58,740 SH   SOLE None 58,490 0 250
UNION PAC CORP COM 907818108 3,703 19,007 SH   SOLE None 18,907 0 100
UNITED PARCEL SERVICE INC CL B 911312106 5,508 34,094 SH   SOLE None 33,583 0 511
US BANCORP DEL COM NEW 902973304 3,472 86,100 SH   SOLE None 85,800 0 300
VERIZON COMMUNICATIONS INC COM 92343V104 2,374 62,530 SH   SOLE None 62,530 0 0
VERTIV HOLDINGS CO COM CL A 92537N108 1,525 156,900 SH   SOLE None 156,900 0 0
VIZIO HLDG CORP CL A COM 92858V101 482 55,200 SH   SOLE None 55,200 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108 3,097 98,621 SH   SOLE None 98,321 0 300
WALMART INC COM 931142103 940 7,250 SH   SOLE None 7,250 0 0
WARBY PARKER INC CL A COM 93403J106 267 20,000 SH   SOLE None 20,000 0 0
WASTE MGMT INC DEL COM 94106L109 7,083 44,208 SH   SOLE None 44,208 0 0
WHEATON PRECIOUS METALS CORP COM 962879102 1,551 47,920 SH   SOLE None 47,920 0 0
ZOETIS INC CL A 98978V103 245 1,655 SH   SOLE None 1,655 0 0