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   310 2,399 SH   SOLE   0 0 2,399
AFLAC Inc. COM 001055102   783 7,565 SH   SOLE   0 0 7,565
Abbott Laboratories COM 002824100   1,495 13,220 SH   SOLE   0 0 13,220
Alphabet Inc. Class A COM 02079K305   2,652 14,010 SH   SOLE   0 0 14,010
Alphabet Inc. Class C COM 02079K107   2,061 10,821 SH   SOLE   0 0 10,821
American Express Co. COM 025816109   3,428 11,550 SH   SOLE   0 0 11,550
Amgen Inc. COM 031162100   3,397 13,035 SH   SOLE   0 0 13,035
Apple Inc. COM 037833100   9,751 38,939 SH   SOLE   0 0 38,939
Automatic Data Processing Inc. COM 053015103   3,919 13,388 SH   SOLE   0 0 13,388
Avalonbay Communities COM 053484101   1,197 5,440 SH   SOLE   0 0 5,440
Bank of America Corp COM 060505104   329 7,487 SH   SOLE   0 0 7,487
Becton Dickinson & Co. COM 075887109   325 1,432 SH   SOLE   0 0 1,432
Berkshire Hathaway Class B COM 084670702   4,489 9,903 SH   SOLE   0 0 9,903
CVS Health Corporation COM 126650100   306 6,818 SH   SOLE   0 0 6,818
Camden Property Trust COM 133131102   1,478 12,735 SH   SOLE   0 0 12,735
Carrier Global Corp COM 14448C104   695 10,176 SH   SOLE   0 0 10,176
Chevron Corp COM 166764100   2,529 17,460 SH   SOLE   0 0 17,460
Chubb Limited COM H1467J104   843 3,050 SH   SOLE   0 0 3,050
Cigna Corporation COM 125523100   333 1,205 SH   SOLE   0 0 1,205
Cisco Systems Inc. COM 17275R102   2,270 38,343 SH   SOLE   0 0 38,343
Coca-Cola Company COM 191216100   6,448 103,567 SH   SOLE   0 0 103,567
Colgate-Palmolive Co COM 194162103   782 8,605 SH   SOLE   0 0 8,605
Comcast cl A COM 20030N101   1,628 43,388 SH   SOLE   0 0 43,388
ConocoPhillips COM 20825C104   1,076 10,850 SH   SOLE   0 0 10,850
Corteva Inc. COM 22052L104   205 3,600 SH   SOLE   0 0 3,600
Costco Wholesale Corp COM 22160K105   7,414 8,091 SH   SOLE   0 0 8,091
Danaher Corporation COM 235851102   4,805 20,932 SH   SOLE   0 0 20,932
Diageo PLC ADS COM 25243Q205   994 7,815 SH   SOLE   0 0 7,815
Dominion Energy, Inc. COM 25746U109   1,383 25,670 SH   SOLE   0 0 25,670
DuPont de Nemours Inc. COM 26614N102   1,109 14,539 SH   SOLE   0 0 14,539
Duke Energy Corp COM 26441C204   1,609 14,938 SH   SOLE   0 0 14,938
Elevance Health, Inc. COM 036752103   2,546 6,901 SH   SOLE   0 0 6,901
Emerson Electric Co. COM 291011104   2,240 18,074 SH   SOLE   0 0 18,074
Enterprise Products Part LP COM 293792107   331 10,551 SH   SOLE   0 0 10,551
Equity Residential Properties COM 29476L107   583 8,122 SH   SOLE   0 0 8,122
Exxon Mobil Corporation COM 30231G102   4,030 37,472 SH   SOLE   0 0 37,472
Fiserv Inc. COM 337738108   6,606 32,160 SH   SOLE   0 0 32,160
Fortive Corporation COM 34959J108   1,392 18,562 SH   SOLE   0 0 18,562
General Mills Inc. COM 370334104   1,344 21,070 SH   SOLE   0 0 21,070
Genuine Parts Company COM 372460105   689 5,900 SH   SOLE   0 0 5,900
Goldman Sachs Group Inc COM 38141G104   549 958 SH   SOLE   0 0 958
Home Depot Inc. COM 437076102   6,791 17,457 SH   SOLE   0 0 17,457
Honeywell Intl Inc COM 438516106   3,200 14,166 SH   SOLE   0 0 14,166
JPMorgan Chase & Co COM 46625H100   4,080 17,021 SH   SOLE   0 0 17,021
Johnson & Johnson COM 478160104   6,900 47,708 SH   SOLE   0 0 47,708
Lowes Companies Inc. COM 548661107   240 973 SH   SOLE   0 0 973
Merck & Co. Inc. COM 58933Y105   1,405 14,123 SH   SOLE   0 0 14,123
Microsoft Corporation COM 594918104   7,367 17,477 SH   SOLE   0 0 17,477
Mondelez International Inc COM 609207105   2,717 45,489 SH   SOLE   0 0 45,489
Morgan Stanley COM 617446448   965 7,679 SH   SOLE   0 0 7,679
Murphy USA, Inc. COM 626755102   893 1,780 SH   SOLE   0 0 1,780
Nike Inc cl B COM 654106103   235 3,105 SH   SOLE   0 0 3,105
Novo-Nordisk A/S COM 670100205   1,271 14,770 SH   SOLE   0 0 14,770
Nucor Corporation COM 670346105   1,111 9,522 SH   SOLE   0 0 9,522
Otis Worldwide Corp COM 68902V107   522 5,632 SH   SOLE   0 0 5,632
PepsiCo, Inc. COM 713448108   2,975 19,563 SH   SOLE   0 0 19,563
Pfizer Inc. COM 717081103   1,444 54,407 SH   SOLE   0 0 54,407
Phillips 66 COM 718546104   867 7,606 SH   SOLE   0 0 7,606
Procter & Gamble Co. COM 742718109   3,867 23,069 SH   SOLE   0 0 23,069
Public Service Enterprise Grp COM 744573106   257 3,036 SH   SOLE   0 0 3,036
Raytheon Technologies Corp COM 75513E101   2,055 17,754 SH   SOLE   0 0 17,754
Republic Services Inc. COM 760759100   2,476 12,308 SH   SOLE   0 0 12,308
Stryker Corp COM 863667101   1,393 3,869 SH   SOLE   0 0 3,869
Sysco Corporation COM 871829107   3,553 46,474 SH   SOLE   0 0 46,474
TJX Companies Inc. COM 872540109   8,725 72,217 SH   SOLE   0 0 72,217
U.S. Bancorp COM 902973304   1,468 30,702 SH   SOLE   0 0 30,702
Union Pacific Corp. COM 907818108   1,406 6,165 SH   SOLE   0 0 6,165
Veralto Corporation COM 92338c103   603 5,921 SH   SOLE   0 0 5,921
Verizon Communications, Inc. COM 92343V104   876 21,915 SH   SOLE   0 0 21,915
Walmart Inc. COM 931142103   286 3,165 SH   SOLE   0 0 3,165
Walt Disney Company COM 254687106   2,913 26,160 SH   SOLE   0 0 26,160
IShares Select Dividend ETF OTR 464287168   476 3,625 SH   SOLE   0 0 3,625
IShares Barclays TIPS ETF OTR 464287176   2,485 23,323 SH   SOLE   0 0 23,323
IShares S&P ST AMT Free ETF OTR 464288158   1,362 12,910 SH   SOLE   0 0 12,910
IShares ST Corp Bond ETF OTR 464288646   4,492 84,530 SH   SOLE   0 0 84,530
SPDR Gold Trust OTR 78463V107   442 1,827 SH   SOLE   0 0 1,827
SPDR S&P 500 ETF Trust OTR 78462f103   2,700 4,607 SH   SOLE   0 0 4,607
Vanguard Emerging Stock Mkt In OTR 922042858   212 5,760 SH   SOLE   0 0 5,760
Vanguard Ext Mkt ETF OTR 922908652   1,101 5,795 SH   SOLE   0 0 5,795
Vanguard Interm Corp ETF OTR 92206C870   3,752 46,737 SH   SOLE   0 0 46,737
Vanguard Interm Govt ETF OTR 92206C706   3,049 52,570 SH   SOLE   0 0 52,570
Vanguard Sh Term Bond ETF OTR 921937827   8,528 110,364 SH   SOLE   0 0 110,364
Vanguard Sh Term Govt ETF OTR 92206C102   7,887 135,562 SH   SOLE   0 0 135,562
Vanguard Sh Term Corp ETF OTR 92206C409   4,179 53,572 SH   SOLE   0 0 53,572
Vanguard Tot Bond ETF OTR 921937835   536 7,448 SH   SOLE   0 0 7,448
Vanguard FTSE All-World ex-US OTR 922042775   572 9,965 SH   SOLE   0 0 9,965
Vanguard Total Stock Mkt OTR 922908769   1,777 6,132 SH   SOLE   0 0 6,132
iShares S&P Midcap 400 OTR 464287507   358 5,745 SH   SOLE   0 0 5,745
iShr MSCI EAFE ETF OTR 464287465   291 3,853 SH   SOLE   0 0 3,853