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   325 2,377 SH   SOLE   0 0 2,377
AFLAC Inc. COM 001055102   846 7,565 SH   SOLE   0 0 7,565
Abbott Laboratories COM 002824100   1,507 13,220 SH   SOLE   0 0 13,220
Alphabet Inc. Class A COM 02079K305   2,333 14,065 SH   SOLE   0 0 14,065
Alphabet Inc. Class C COM 02079K107   1,809 10,821 SH   SOLE   0 0 10,821
American Express Co. COM 025816109   3,132 11,550 SH   SOLE   0 0 11,550
Amgen Inc. COM 031162100   4,205 13,050 SH   SOLE   0 0 13,050
Apple Inc. COM 037833100   9,082 38,979 SH   SOLE   0 0 38,979
Automatic Data Processing Inc. COM 053015103   3,705 13,388 SH   SOLE   0 0 13,388
Avalonbay Communities COM 053484101   1,225 5,440 SH   SOLE   0 0 5,440
Bank of America Corp COM 060505104   297 7,487 SH   SOLE   0 0 7,487
Becton Dickinson & Co. COM 075887109   345 1,432 SH   SOLE   0 0 1,432
Berkshire Hathaway Class B COM 084670702   4,558 9,903 SH   SOLE   0 0 9,903
CVS Health Corporation COM 126650100   432 6,868 SH   SOLE   0 0 6,868
Camden Property Trust COM 133131102   1,573 12,735 SH   SOLE   0 0 12,735
Carrier Global Corp COM 14448C104   819 10,176 SH   SOLE   0 0 10,176
Chevron Corp COM 166764100   2,566 17,425 SH   SOLE   0 0 17,425
Chubb Limited COM H1467J104   854 2,960 SH   SOLE   0 0 2,960
Cigna Corporation COM 125523100   417 1,205 SH   SOLE   0 0 1,205
Cisco Systems Inc. COM 17275R102   2,039 38,308 SH   SOLE   0 0 38,308
Coca-Cola Company COM 191216100   7,440 103,537 SH   SOLE   0 0 103,537
Colgate-Palmolive Co COM 194162103   876 8,435 SH   SOLE   0 0 8,435
Comcast cl A COM 20030N101   1,812 43,388 SH   SOLE   0 0 43,388
ConocoPhillips COM 20825C104   1,142 10,850 SH   SOLE   0 0 10,850
Corteva Inc. COM 22052L104   212 3,600 SH   SOLE   0 0 3,600
Costco Wholesale Corp COM 22160K105   7,182 8,101 SH   SOLE   0 0 8,101
Danaher Corporation COM 235851102   5,820 20,932 SH   SOLE   0 0 20,932
Diageo PLC ADS COM 25243Q205   1,097 7,815 SH   SOLE   0 0 7,815
Dominion Energy, Inc. COM 25746U109   1,492 25,825 SH   SOLE   0 0 25,825
Dow Inc. COM 260557103   238 4,351 SH   SOLE   0 0 4,351
DuPont de Nemours Inc. COM 26614N102   1,304 14,637 SH   SOLE   0 0 14,637
Duke Energy Corp COM 26441C204   1,738 15,078 SH   SOLE   0 0 15,078
Elevance Health, Inc. COM 036752103   3,589 6,901 SH   SOLE   0 0 6,901
Emerson Electric Co. COM 291011104   1,983 18,134 SH   SOLE   0 0 18,134
Enterprise Products Part LP COM 293792107   307 10,551 SH   SOLE   0 0 10,551
Equity Residential Properties COM 29476L107   605 8,122 SH   SOLE   0 0 8,122
Exxon Mobil Corporation COM 30231G102   4,394 37,485 SH   SOLE   0 0 37,485
Fiserv Inc. COM 337738108   5,778 32,160 SH   SOLE   0 0 32,160
Fortive Corporation COM 34959J108   1,416 17,942 SH   SOLE   0 0 17,942
G.E. Aerospace COM 369604301   218 1,156 SH   SOLE   0 0 1,156
General Mills Inc. COM 370334104   1,556 21,070 SH   SOLE   0 0 21,070
Genuine Parts Company COM 372460105   824 5,900 SH   SOLE   0 0 5,900
Goldman Sachs Group Inc COM 38141G104   475 958 SH   SOLE   0 0 958
Home Depot Inc. COM 437076102   7,200 17,769 SH   SOLE   0 0 17,769
Honeywell Intl Inc COM 438516106   2,928 14,166 SH   SOLE   0 0 14,166
JPMorgan Chase & Co COM 46625H100   3,607 17,108 SH   SOLE   0 0 17,108
Johnson & Johnson COM 478160104   7,729 47,693 SH   SOLE   0 0 47,693
Lowes Companies Inc. COM 548661107   264 973 SH   SOLE   0 0 973
Merck & Co. Inc. COM 58933Y105   1,604 14,123 SH   SOLE   0 0 14,123
Microsoft Corporation COM 594918104   7,520 17,477 SH   SOLE   0 0 17,477
Mondelez International Inc COM 609207105   3,355 45,539 SH   SOLE   0 0 45,539
Morgan Stanley COM 617446448   806 7,729 SH   SOLE   0 0 7,729
Murphy USA, Inc. COM 626755102   877 1,780 SH   SOLE   0 0 1,780
Nike Inc cl B COM 654106103   319 3,610 SH   SOLE   0 0 3,610
Novo-Nordisk A/S COM 670100205   1,759 14,770 SH   SOLE   0 0 14,770
Nucor Corporation COM 670346105   1,413 9,402 SH   SOLE   0 0 9,402
Otis Worldwide Corp COM 68902V107   585 5,632 SH   SOLE   0 0 5,632
PepsiCo, Inc. COM 713448108   3,327 19,563 SH   SOLE   0 0 19,563
Pfizer Inc. COM 717081103   1,580 54,607 SH   SOLE   0 0 54,607
Phillips 66 COM 718546104   1,000 7,606 SH   SOLE   0 0 7,606
Procter & Gamble Co. COM 742718109   3,999 23,089 SH   SOLE   0 0 23,089
Public Service Enterprise Grp COM 744573106   271 3,036 SH   SOLE   0 0 3,036
Raytheon Technologies Corp COM 75513E101   2,261 18,659 SH   SOLE   0 0 18,659
Republic Services Inc. COM 760759100   2,472 12,308 SH   SOLE   0 0 12,308
Stryker Corp COM 863667101   1,398 3,869 SH   SOLE   0 0 3,869
Sysco Corporation COM 871829107   3,635 46,564 SH   SOLE   0 0 46,564
TJX Companies Inc. COM 872540109   8,506 72,367 SH   SOLE   0 0 72,367
U.S. Bancorp COM 902973304   1,391 30,422 SH   SOLE   0 0 30,422
Union Pacific Corp. COM 907818108   1,520 6,165 SH   SOLE   0 0 6,165
Veralto Corporation COM 92338c103   664 5,934 SH   SOLE   0 0 5,934
Verizon Communications, Inc. COM 92343V104   989 22,015 SH   SOLE   0 0 22,015
Walmart Inc. COM 931142103   256 3,165 SH   SOLE   0 0 3,165
Walt Disney Company COM 254687106   2,516 26,155 SH   SOLE   0 0 26,155
IShares Select Dividend ETF OTR 464287168   490 3,625 SH   SOLE   0 0 3,625
IShares Barclays TIPS ETF OTR 464287176   2,930 26,523 SH   SOLE   0 0 26,523
IShares S&P ST AMT Free ETF OTR 464288158   1,371 12,910 SH   SOLE   0 0 12,910
IShares ST Corp Bond ETF OTR 464288646   4,530 86,030 SH   SOLE   0 0 86,030
SPDR Gold Trust OTR 78463V107   444 1,827 SH   SOLE   0 0 1,827
SPDR S&P 500 ETF Trust OTR 78462f103   2,643 4,607 SH   SOLE   0 0 4,607
Vanguard Emerging Stock Mkt In OTR 922042858   224 5,626 SH   SOLE   0 0 5,626
Vanguard Ext Mkt ETF OTR 922908652   1,079 5,930 SH   SOLE   0 0 5,930
Vanguard Interm Corp ETF OTR 92206C870   3,914 46,737 SH   SOLE   0 0 46,737
Vanguard Interm Govt ETF OTR 92206C706   3,579 59,240 SH   SOLE   0 0 59,240
Vanguard Sh Term Bond ETF OTR 921937827   8,893 113,014 SH   SOLE   0 0 113,014
Vanguard Sh Term Govt ETF OTR 92206C102   8,020 135,882 SH   SOLE   0 0 135,882
Vanguard Sh Term Corp ETF OTR 92206C409   4,399 55,392 SH   SOLE   0 0 55,392
Vanguard Tot Bond ETF OTR 921937835   600 7,998 SH   SOLE   0 0 7,998
Vanguard FTSE All-World ex-US OTR 922042775   641 10,169 SH   SOLE   0 0 10,169
Vanguard Total Stock Mkt OTR 922908769   1,702 6,012 SH   SOLE   0 0 6,012
iShares S&P Midcap 400 OTR 464287507   358 5,745 SH   SOLE   0 0 5,745
iShr MSCI EAFE ETF OTR 464287465   322 3,853 SH   SOLE   0 0 3,853