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 Company COM 88579Y101   287 2,397 SH   SOLE   0 0 2,397
AFLAC Inc. COM 001055102   580 8,065 SH   SOLE   0 0 8,065
Abbott Laboratories COM 002824100   1,474 13,422 SH   SOLE   0 0 13,422
Alphabet Inc. Class A COM 02079K305   1,323 15,000 SH   SOLE   0 0 15,000
Alphabet Inc. Class C COM 02079K107   1,001 11,283 SH   SOLE   0 0 11,283
American Express Co. COM 025816109   1,750 11,842 SH   SOLE   0 0 11,842
Amgen Inc. COM 031162100   3,392 12,914 SH   SOLE   0 0 12,914
Apple Inc. COM 037833100   5,333 41,045 SH   SOLE   0 0 41,045
Automatic Data Processing Inc. COM 053015103   3,290 13,773 SH   SOLE   0 0 13,773
Avalonbay Communities COM 053484101   879 5,440 SH   SOLE   0 0 5,440
Bank of America Corp COM 060505104   248 7,487 SH   SOLE   0 0 7,487
Becton Dickinson & Co. COM 075887109   452 1,777 SH   SOLE   0 0 1,777
Berkshire Hathaway Class B COM 084670702   3,162 10,235 SH   SOLE   0 0 10,235
Boeing Company COM 097023105   326 1,709 SH   SOLE   0 0 1,709
CVS Health Corporation COM 126650100   659 7,068 SH   SOLE   0 0 7,068
Camden Property Trust COM 133131102   1,425 12,735 SH   SOLE   0 0 12,735
Carrier Global Corp COM 14448C104   429 10,402 SH   SOLE   0 0 10,402
Chevron Corp COM 166764100   2,617 14,577 SH   SOLE   0 0 14,577
Chubb Limited COM H1467J104   657 2,980 SH   SOLE   0 0 2,980
Cigna Corporation COM 125523100   423 1,278 SH   SOLE   0 0 1,278
Cisco Systems Inc. COM 17275R102   1,518 31,863 SH   SOLE   0 0 31,863
Coca-Cola Company COM 191216100   6,777 106,539 SH   SOLE   0 0 106,539
Colgate-Palmolive Co COM 194162103   698 8,862 SH   SOLE   0 0 8,862
Comcast cl A COM 20030N101   1,525 43,616 SH   SOLE   0 0 43,616
ConocoPhillips COM 20825C104   1,343 11,380 SH   SOLE   0 0 11,380
Corteva Inc. COM 22052L104   262 4,450 SH   SOLE   0 0 4,450
Costco Wholesale Corp COM 22160K105   3,951 8,654 SH   SOLE   0 0 8,654
Danaher Corporation COM 235851102   5,598 21,090 SH   SOLE   0 0 21,090
Diageo PLC ADS COM 25243Q205   1,482 8,315 SH   SOLE   0 0 8,315
Dominion Energy, Inc. COM 25746U109   1,149 18,736 SH   SOLE   0 0 18,736
Dow Inc. COM 260557103   247 4,906 SH   SOLE   0 0 4,906
DuPont de Nemours Inc. COM 26614N102   927 13,514 SH   SOLE   0 0 13,514
Duke Energy Corp COM 26441C204   1,520 14,758 SH   SOLE   0 0 14,758
Elevance Health, Inc. COM 036752103   3,529 6,880 SH   SOLE   0 0 6,880
Emerson Electric Co. COM 291011104   1,790 18,632 SH   SOLE   0 0 18,632
Enterprise Products Part LP COM 293792107   254 10,551 SH   SOLE   0 0 10,551
Equity Residential Properties COM 29476L107   484 8,200 SH   SOLE   0 0 8,200
Exxon Mobil Corporation COM 30231G102   4,136 37,492 SH   SOLE   0 0 37,492
Fiserv Inc. COM 337738108   3,296 32,615 SH   SOLE   0 0 32,615
Fortive Corporation COM 34959J108   1,193 18,572 SH   SOLE   0 0 18,572
General Mills Inc. COM 370334104   1,782 21,255 SH   SOLE   0 0 21,255
Genuine Parts Company COM 372460105   1,032 5,950 SH   SOLE   0 0 5,950
Goldman Sachs Group Inc COM 38141G104   346 1,008 SH   SOLE   0 0 1,008
Home Depot Inc. COM 437076102   5,820 18,426 SH   SOLE   0 0 18,426
Honeywell Intl Inc COM 438516106   3,157 14,734 SH   SOLE   0 0 14,734
Intel Corporation COM 458140100   865 32,716 SH   SOLE   0 0 32,716
JPMorgan Chase & Co COM 46625H100   2,291 17,083 SH   SOLE   0 0 17,083
Johnson & Johnson COM 478160104   8,484 48,027 SH   SOLE   0 0 48,027
Lowes Companies Inc. COM 548661107   224 1,123 SH   SOLE   0 0 1,123
Merck & Co. Inc. COM 58933Y105   1,575 14,190 SH   SOLE   0 0 14,190
Microsoft Corporation COM 594918104   4,723 19,696 SH   SOLE   0 0 19,696
Mondelez International Inc COM 609207105   3,069 46,050 SH   SOLE   0 0 46,050
Morgan Stanley COM 617446448   712 8,379 SH   SOLE   0 0 8,379
Murphy USA, Inc. COM 626755102   498 1,780 SH   SOLE   0 0 1,780
Nike Inc cl B COM 654106103   469 4,012 SH   SOLE   0 0 4,012
Novo-Nordisk A/S COM 670100205   1,200 8,870 SH   SOLE   0 0 8,870
Nucor Corporation COM 670346105   1,233 9,351 SH   SOLE   0 0 9,351
Otis Worldwide Corp COM 68902V107   407 5,197 SH   SOLE   0 0 5,197
PepsiCo, Inc. COM 713448108   3,622 20,049 SH   SOLE   0 0 20,049
Pfizer Inc. COM 717081103   2,717 53,025 SH   SOLE   0 0 53,025
Phillips 66 COM 718546104   807 7,751 SH   SOLE   0 0 7,751
Procter & Gamble Co. COM 742718109   3,564 23,517 SH   SOLE   0 0 23,517
Raytheon Technologies Corp COM 75513E101   1,866 18,493 SH   SOLE   0 0 18,493
Republic Services Inc. COM 760759100   1,605 12,443 SH   SOLE   0 0 12,443
Schlumberger Ltd. COM 806857108   201 3,758 SH   SOLE   0 0 3,758
Stryker Corp COM 863667101   1,054 4,313 SH   SOLE   0 0 4,313
Sysco Corporation COM 871829107   3,618 47,331 SH   SOLE   0 0 47,331
TJX Companies Inc. COM 872540109   5,933 74,539 SH   SOLE   0 0 74,539
U.S. Bancorp COM 902973304   1,397 32,039 SH   SOLE   0 0 32,039
Union Pacific Corp. COM 907818108   1,277 6,165 SH   SOLE   0 0 6,165
Verizon Communications, Inc. COM 92343V104   915 23,222 SH   SOLE   0 0 23,222
Walt Disney Company COM 254687106   2,244 25,828 SH   SOLE   0 0 25,828
IShares Select Dividend ETF OTR 464287168   437 3,625 SH   SOLE   0 0 3,625
IShares Barclays TIPS ETF OTR 464287176   5,415 50,876 SH   SOLE   0 0 50,876
IShares S&P ST AMT Free ETF OTR 464288158   2,022 19,395 SH   SOLE   0 0 19,395
IShares ST Corp Bond ETF OTR 464288646   4,896 98,280 SH   SOLE   0 0 98,280
S&P Preferred Stock ETF OTR 464288687   788 25,805 SH   SOLE   0 0 25,805
SPDR Gold Trust OTR 78463V107   310 1,827 SH   SOLE   0 0 1,827
SPDR S&P 500 ETF Trust OTR 78462f103   1,787 4,672 SH   SOLE   0 0 4,672
Vanguard Ext Mkt ETF OTR 922908652   862 6,490 SH   SOLE   0 0 6,490
Vanguard Interm Corp ETF OTR 92206C870   4,511 58,204 SH   SOLE   0 0 58,204
Vanguard Interm Govt ETF OTR 92206C706   4,145 70,878 SH   SOLE   0 0 70,878
Vanguard Sh Term Bond ETF OTR 921937827   9,437 125,356 SH   SOLE   0 0 125,356
Vanguard Sh Term Govt ETF OTR 92206C102   9,673 167,299 SH   SOLE   0 0 167,299
Vanguard Sh Term Corp ETF OTR 92206C409   5,178 68,868 SH   SOLE   0 0 68,868
Vanguard Tot Bond ETF OTR 921937835   987 13,737 SH   SOLE   0 0 13,737
Vanguard FTSE All-World ex-US OTR 922042775   526 10,482 SH   SOLE   0 0 10,482
Vanguard Total Stock Mkt OTR 922908769   1,169 6,115 SH   SOLE   0 0 6,115
iShares S&P Midcap 400 OTR 464287507   278 1,149 SH   SOLE   0 0 1,149
iShr MSCI EAFE ETF OTR 464287465   253 3,853 SH   SOLE   0 0 3,853