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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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 Company COM 88579Y101 446 2,541 SH   SOLE   0 0 2,541
AFLAC Inc. COM 001055102 872 16,735 SH   SOLE   0 0 16,735
AT&T Inc. COM 00206R102 272 10,062 SH   SOLE   0 0 10,062
Abbott Laboratories COM 002824100 1,620 13,715 SH   SOLE   0 0 13,715
Alphabet Inc. Class A COM 02079K305 2,021 756 SH   SOLE   0 0 756
Alphabet Inc. Class C COM 02079K107 1,485 557 SH   SOLE   0 0 557
American Express Co. COM 025816109 2,009 11,990 SH   SOLE   0 0 11,990
Amgen Inc. COM 031162100 2,713 12,757 SH   SOLE   0 0 12,757
Anthem, Inc. COM 036752103 2,698 7,236 SH   SOLE   0 0 7,236
Apple Inc. COM 037833100 6,030 42,614 SH   SOLE   0 0 42,614
Automatic Data Processing Inc. COM 053015103 2,929 14,650 SH   SOLE   0 0 14,650
Avalonbay Communities COM 053484101 1,206 5,440 SH   SOLE   0 0 5,440
Bank of America Corp COM 060505104 328 7,737 SH   SOLE   0 0 7,737
Becton Dickinson & Co. COM 075887109 806 3,277 SH   SOLE   0 0 3,277
Berkshire Hathaway Class B COM 084670702 2,781 10,189 SH   SOLE   0 0 10,189
Boeing Company COM 097023105 295 1,342 SH   SOLE   0 0 1,342
CVS Health Corporation COM 126650100 587 6,918 SH   SOLE   0 0 6,918
Camden Property Trust COM 133131102 1,878 12,735 SH   SOLE   0 0 12,735
Carrier Global Corp COM 14448C104 538 10,402 SH   SOLE   0 0 10,402
Chevron Corp COM 166764100 1,442 14,214 SH   SOLE   0 0 14,214
Chubb Limited COM H1467J104 470 2,710 SH   SOLE   0 0 2,710
Cigna Corporation COM 125523100 256 1,278 SH   SOLE   0 0 1,278
Cisco Systems Inc. COM 17275R102 1,724 31,681 SH   SOLE   0 0 31,681
Coca-Cola Company COM 191216100 5,587 106,482 SH   SOLE   0 0 106,482
Colgate-Palmolive Co COM 194162103 674 8,917 SH   SOLE   0 0 8,917
Comcast cl A COM 20030N101 2,215 39,595 SH   SOLE   0 0 39,595
ConocoPhillips COM 20825C104 834 12,305 SH   SOLE   0 0 12,305
Costco Wholesale Corp COM 22160K105 3,908 8,698 SH   SOLE   0 0 8,698
Danaher Corporation COM 235851102 6,980 22,928 SH   SOLE   0 0 22,928
Diageo PLC ADS COM 25243Q205 1,605 8,315 SH   SOLE   0 0 8,315
Dominion Energy, Inc. COM 25746U109 1,398 19,149 SH   SOLE   0 0 19,149
Dow Inc. COM 260557103 282 4,903 SH   SOLE   0 0 4,903
DuPont de Nemours Inc. COM 26614N102 418 6,146 SH   SOLE   0 0 6,146
Duke Energy Corp COM 26441C204 1,455 14,908 SH   SOLE   0 0 14,908
Emerson Electric Co. COM 291011104 1,730 18,365 SH   SOLE   0 0 18,365
Enterprise Products Part LP COM 293792107 228 10,551 SH   SOLE   0 0 10,551
Equity Residential Properties COM 29476L107 664 8,200 SH   SOLE   0 0 8,200
Exxon Mobil Corporation COM 30231G102 2,219 37,727 SH   SOLE   0 0 37,727
Fiserv Inc. COM 337738108 3,527 32,505 SH   SOLE   0 0 32,505
Fortive Corporation COM 34959J108 1,315 18,637 SH   SOLE   0 0 18,637
General Mills Inc. COM 370334104 1,271 21,255 SH   SOLE   0 0 21,255
Genuine Parts Company COM 372460105 721 5,950 SH   SOLE   0 0 5,950
Goldman Sachs Group Inc COM 38141G104 381 1,008 SH   SOLE   0 0 1,008
Home Depot Inc. COM 437076102 6,218 18,942 SH   SOLE   0 0 18,942
Honeywell Intl Inc COM 438516106 3,065 14,439 SH   SOLE   0 0 14,439
Intel Corporation COM 458140100 1,721 32,301 SH   SOLE   0 0 32,301
JPMorgan Chase & Co COM 46625H100 2,611 15,953 SH   SOLE   0 0 15,953
Johnson & Johnson COM 478160104 7,737 47,907 SH   SOLE   0 0 47,907
Lowes Companies Inc. COM 548661107 228 1,123 SH   SOLE   0 0 1,123
Merck & Co. Inc. COM 58933Y105 1,066 14,190 SH   SOLE   0 0 14,190
Microsoft Corporation COM 594918104 5,752 20,402 SH   SOLE   0 0 20,402
Mondelez International Inc COM 609207105 2,679 46,042 SH   SOLE   0 0 46,042
Morgan Stanley COM 617446448 888 9,129 SH   SOLE   0 0 9,129
Murphy USA, Inc. COM 626755102 310 1,855 SH   SOLE   0 0 1,855
Nike Inc cl B COM 654106103 608 4,186 SH   SOLE   0 0 4,186
Norzinc Ltd COM 136802105 8 192,500 SH   SOLE   0 0 192,500
Novo-Nordisk A/S COM 670100205 861 8,970 SH   SOLE   0 0 8,970
Nucor Corporation COM 670346105 721 7,319 SH   SOLE   0 0 7,319
Otis Worldwide Corp COM 68902V107 428 5,197 SH   SOLE   0 0 5,197
PepsiCo, Inc. COM 713448108 3,004 19,969 SH   SOLE   0 0 19,969
Pfizer Inc. COM 717081103 2,272 52,825 SH   SOLE   0 0 52,825
Phillips 66 COM 718546104 571 8,151 SH   SOLE   0 0 8,151
Procter & Gamble Co. COM 742718109 3,298 23,590 SH   SOLE   0 0 23,590
Raytheon Technologies Corp COM 75513E101 1,499 17,436 SH   SOLE   0 0 17,436
Republic Services Inc. COM 760759100 1,729 14,403 SH   SOLE   0 0 14,403
Stryker Corp COM 863667101 1,131 4,288 SH   SOLE   0 0 4,288
Sysco Corporation COM 871829107 3,749 47,761 SH   SOLE   0 0 47,761
TJX Companies Inc. COM 872540109 4,893 74,154 SH   SOLE   0 0 74,154
U.S. Bancorp COM 902973304 1,793 30,158 SH   SOLE   0 0 30,158
Union Pacific Corp. COM 907818108 1,255 6,405 SH   SOLE   0 0 6,405
Verizon Communications, Inc. COM 92343V104 1,248 23,107 SH   SOLE   0 0 23,107
Vontier Corporation COM 928881101 241 7,187 SH   SOLE   0 0 7,187
Walt Disney Company COM 254687106 4,312 25,488 SH   SOLE   0 0 25,488
IShares Select Dividend ETF OTR 464287168 416 3,625 SH   SOLE   0 0 3,625
IShares Barclays TIPS ETF OTR 464287176 6,673 52,256 SH   SOLE   0 0 52,256
IShares S&P ST AMT Free ETF OTR 464288158 2,036 18,925 SH   SOLE   0 0 18,925
IShares ST Corp Bond ETF OTR 464288646 5,042 92,284 SH   SOLE   0 0 92,284
Invesco Financial Pfd ETF OTR 46137V621 237 12,500 SH   SOLE   0 0 12,500
S&P Preferred Stock ETF OTR 464288687 1,318 33,961 SH   SOLE   0 0 33,961
SPDR Gold Trust OTR 78463V107 300 1,827 SH   SOLE   0 0 1,827
SPDR S&P 500 ETF Trust OTR 78462f103 2,001 4,662 SH   SOLE   0 0 4,662
Vanguard Ext Mkt ETF OTR 922908652 1,290 7,075 SH   SOLE   0 0 7,075
Vanguard Interm Bond ETF OTR 921937819 221 2,470 SH   SOLE   0 0 2,470
Vanguard Interm Corp ETF OTR 92206C870 5,630 59,636 SH   SOLE   0 0 59,636
Vanguard Interm Govt ETF OTR 92206C706 3,918 58,008 SH   SOLE   0 0 58,008
Vanguard Sh Term Bond ETF OTR 921937827 9,404 114,770 SH   SOLE   0 0 114,770
Vanguard Sh Term Govt ETF OTR 92206C102 8,774 142,871 SH   SOLE   0 0 142,871
Vanguard Sh Term Corp ETF OTR 92206C409 5,234 63,514 SH   SOLE   0 0 63,514
Vanguard Tot Bond ETF OTR 921937835 1,090 12,760 SH   SOLE   0 0 12,760
Vanguard FTSE All-World ex-US OTR 922042775 521 8,548 SH   SOLE   0 0 8,548
Vanguard REIT ETF OTR 922908553 230 2,260 SH   SOLE   0 0 2,260
Vanguard Total Stock Mkt OTR 922908769 315 1,418 SH   SOLE   0 0 1,418
iShares S&P Midcap 400 OTR 464287507 302 1,149 SH   SOLE   0 0 1,149
iShr MSCI EAFE OTR 464287465 301 3,853 SH   SOLE   0 0 3,853