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 Company COM 88579Y101 362 2,429 SH   SOLE   0 0 2,429
AFLAC Inc. COM 001055102 1,091 16,940 SH   SOLE   0 0 16,940
AT&T Inc. COM 00206R102 228 9,662 SH   SOLE   0 0 9,662
Abbott Laboratories COM 002824100 1,579 13,344 SH   SOLE   0 0 13,344
Alphabet Inc. Class A COM 02079K305 2,086 750 SH   SOLE   0 0 750
Alphabet Inc. Class C COM 02079K107 1,545 553 SH   SOLE   0 0 553
American Express Co. COM 025816109 2,211 11,822 SH   SOLE   0 0 11,822
Amgen Inc. COM 031162100 3,095 12,797 SH   SOLE   0 0 12,797
Anthem, Inc. COM 036752103 3,463 7,049 SH   SOLE   0 0 7,049
Apple Inc. COM 037833100 7,185 41,149 SH   SOLE   0 0 41,149
Automatic Data Processing Inc. COM 053015103 3,356 14,747 SH   SOLE   0 0 14,747
Avalonbay Communities COM 053484101 1,351 5,440 SH   SOLE   0 0 5,440
Bank of America Corp COM 060505104 309 7,487 SH   SOLE   0 0 7,487
Becton Dickinson & Co. COM 075887109 872 3,277 SH   SOLE   0 0 3,277
Berkshire Hathaway Class B COM 084670702 3,624 10,269 SH   SOLE   0 0 10,269
Boeing Company COM 097023105 302 1,577 SH   SOLE   0 0 1,577
CVS Health Corporation COM 126650100 710 7,018 SH   SOLE   0 0 7,018
Camden Property Trust COM 133131102 2,117 12,735 SH   SOLE   0 0 12,735
Carrier Global Corp COM 14448C104 477 10,402 SH   SOLE   0 0 10,402
Chevron Corp COM 166764100 2,354 14,459 SH   SOLE   0 0 14,459
Chubb Limited COM H1467J104 622 2,910 SH   SOLE   0 0 2,910
Cigna Corporation COM 125523100 306 1,278 SH   SOLE   0 0 1,278
Cisco Systems Inc. COM 17275R102 1,748 31,351 SH   SOLE   0 0 31,351
Coca-Cola Company COM 191216100 6,570 105,977 SH   SOLE   0 0 105,977
Colgate-Palmolive Co COM 194162103 648 8,547 SH   SOLE   0 0 8,547
Comcast cl A COM 20030N101 1,979 42,270 SH   SOLE   0 0 42,270
ConocoPhillips COM 20825C104 1,148 11,480 SH   SOLE   0 0 11,480
Corteva Inc. COM 22052L104 252 4,384 SH   SOLE   0 0 4,384
Costco Wholesale Corp COM 22160K105 4,964 8,620 SH   SOLE   0 0 8,620
Danaher Corporation COM 235851102 6,478 22,085 SH   SOLE   0 0 22,085
Diageo PLC ADS COM 25243Q205 1,689 8,315 SH   SOLE   0 0 8,315
Dominion Energy, Inc. COM 25746U109 1,455 17,118 SH   SOLE   0 0 17,118
Dow Inc. COM 260557103 304 4,775 SH   SOLE   0 0 4,775
DuPont de Nemours Inc. COM 26614N102 818 11,123 SH   SOLE   0 0 11,123
Duke Energy Corp COM 26441C204 1,645 14,728 SH   SOLE   0 0 14,728
Emerson Electric Co. COM 291011104 1,797 18,330 SH   SOLE   0 0 18,330
Enterprise Products Part LP COM 293792107 272 10,551 SH   SOLE   0 0 10,551
Equity Residential Properties COM 29476L107 737 8,200 SH   SOLE   0 0 8,200
Exxon Mobil Corporation COM 30231G102 3,085 37,352 SH   SOLE   0 0 37,352
Fiserv Inc. COM 337738108 3,302 32,565 SH   SOLE   0 0 32,565
Fortive Corporation COM 34959J108 1,126 18,477 SH   SOLE   0 0 18,477
General Mills Inc. COM 370334104 1,439 21,255 SH   SOLE   0 0 21,255
Genuine Parts Company COM 372460105 750 5,950 SH   SOLE   0 0 5,950
Goldman Sachs Group Inc COM 38141G104 333 1,008 SH   SOLE   0 0 1,008
Home Depot Inc. COM 437076102 5,615 18,757 SH   SOLE   0 0 18,757
Honeywell Intl Inc COM 438516106 2,856 14,679 SH   SOLE   0 0 14,679
Intel Corporation COM 458140100 1,607 32,416 SH   SOLE   0 0 32,416
JPMorgan Chase & Co COM 46625H100 2,167 15,896 SH   SOLE   0 0 15,896
Johnson & Johnson COM 478160104 8,489 47,894 SH   SOLE   0 0 47,894
Lowes Companies Inc. COM 548661107 227 1,123 SH   SOLE   0 0 1,123
Merck & Co. Inc. COM 58933Y105 1,165 14,190 SH   SOLE   0 0 14,190
Microsoft Corporation COM 594918104 6,036 19,579 SH   SOLE   0 0 19,579
Mondelez International Inc COM 609207105 2,872 45,752 SH   SOLE   0 0 45,752
Morgan Stanley COM 617446448 732 8,379 SH   SOLE   0 0 8,379
Murphy USA, Inc. COM 626755102 356 1,780 SH   SOLE   0 0 1,780
Nike Inc cl B COM 654106103 567 4,217 SH   SOLE   0 0 4,217
Norzinc Ltd COM 136802105 7 212,300 SH   SOLE   0 0 212,300
Novo-Nordisk A/S COM 670100205 985 8,870 SH   SOLE   0 0 8,870
Nucor Corporation COM 670346105 1,386 9,321 SH   SOLE   0 0 9,321
Otis Worldwide Corp COM 68902V107 400 5,197 SH   SOLE   0 0 5,197
PepsiCo, Inc. COM 713448108 3,334 19,921 SH   SOLE   0 0 19,921
Pfizer Inc. COM 717081103 2,713 52,390 SH   SOLE   0 0 52,390
Phillips 66 COM 718546104 670 7,751 SH   SOLE   0 0 7,751
Procter & Gamble Co. COM 742718109 3,575 23,395 SH   SOLE   0 0 23,395
Public Service Enterprise Grp COM 744573106 213 3,036 SH   SOLE   0 0 3,036
Raytheon Technologies Corp COM 75513E101 1,813 18,298 SH   SOLE   0 0 18,298
Republic Services Inc. COM 760759100 1,885 14,223 SH   SOLE   0 0 14,223
Stryker Corp COM 863667101 1,153 4,313 SH   SOLE   0 0 4,313
Sysco Corporation COM 871829107 3,861 47,291 SH   SOLE   0 0 47,291
TJX Companies Inc. COM 872540109 4,487 74,069 SH   SOLE   0 0 74,069
U.S. Bancorp COM 902973304 1,679 31,594 SH   SOLE   0 0 31,594
Union Pacific Corp. COM 907818108 1,684 6,165 SH   SOLE   0 0 6,165
Verizon Communications, Inc. COM 92343V104 1,172 23,012 SH   SOLE   0 0 23,012
Walt Disney Company COM 254687106 3,493 25,465 SH   SOLE   0 0 25,465
IShares Select Dividend ETF OTR 464287168 464 3,625 SH   SOLE   0 0 3,625
IShares Barclays TIPS ETF OTR 464287176 6,428 51,601 SH   SOLE   0 0 51,601
IShares S&P ST AMT Free ETF OTR 464288158 2,029 19,395 SH   SOLE   0 0 19,395
IShares ST Corp Bond ETF OTR 464288646 5,036 97,380 SH   SOLE   0 0 97,380
Invesco Financial Pfd ETF OTR 46137V621 212 12,500 SH   SOLE   0 0 12,500
S&P Preferred Stock ETF OTR 464288687 1,173 32,211 SH   SOLE   0 0 32,211
SPDR Gold Trust OTR 78463V107 330 1,827 SH   SOLE   0 0 1,827
SPDR S&P 500 ETF Trust OTR 78462f103 2,110 4,672 SH   SOLE   0 0 4,672
Vanguard Ext Mkt ETF OTR 922908652 1,081 6,525 SH   SOLE   0 0 6,525
Vanguard Interm Corp ETF OTR 92206C870 5,416 62,949 SH   SOLE   0 0 62,949
Vanguard Interm Govt ETF OTR 92206C706 4,320 68,673 SH   SOLE   0 0 68,673
Vanguard Sh Term Bond ETF OTR 921937827 9,794 125,731 SH   SOLE   0 0 125,731
Vanguard Sh Term Govt ETF OTR 92206C102 9,035 152,456 SH   SOLE   0 0 152,456
Vanguard Sh Term Corp ETF OTR 92206C409 5,381 68,905 SH   SOLE   0 0 68,905
Vanguard Tot Bond ETF OTR 921937835 1,093 13,737 SH   SOLE   0 0 13,737
Vanguard FTSE All-World ex-US OTR 922042775 617 10,712 SH   SOLE   0 0 10,712
Vanguard REIT ETF OTR 922908553 245 2,260 SH   SOLE   0 0 2,260
Vanguard Total Stock Mkt OTR 922908769 1,384 6,080 SH   SOLE   0 0 6,080
iShares S&P Midcap 400 OTR 464287507 308 1,149 SH   SOLE   0 0 1,149
iShr MSCI EAFE ETF OTR 464287465 284 3,853 SH   SOLE   0 0 3,853