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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M Company COM 88579Y101 812 7,348 SH   SOLE   0 0 7,348
A.O. Smith Corp. COM 831865209 311 6,400 SH   SOLE   0 0 6,400
AbbVie Inc. COM 00287Y109 869 6,474 SH   SOLE   0 0 6,474
Accenture LTD Bermuda COM G1151C101 180 700 SH   SOLE   0 0 700
Air Products & Chemicals COM 009158106 512 2,200 SH   SOLE   0 0 2,200
Alliance Bernstein Holding LP COM 01881G106 140 4,000 SH   SOLE   0 0 4,000
Allison Transmission Holdings Inc COM 01973R101 1,003 29,700 SH   SOLE   0 0 29,700
Allstate Corp. COM 020002101 535 4,300 SH   SOLE   0 0 4,300
Alphabet Inc Class A CL A COM 02079K305 2,740 28,650 SH   SOLE   0 0 28,650
Alphabet Inc. Class C CL A COM 02079K107 2,308 24,000 SH   SOLE   0 0 24,000
Amazon.Com, Inc. COM 023135106 1,232 10,900 SH   SOLE 0 0 10,900
Amcor PLC COM G0250X107 367 34,169 SH   SOLE   0 0 34,169
American Express Co COM 025816109 175 1,300 SH   SOLE   0 0 1,300
American International Group COM 026874784 174 3,665 SH   SOLE   0 0 3,665
American Tower Corp. COM 03027X100 526 2,450 SH   SOLE   0 0 2,450
American Water Works Co. Inc. COM 030420103 863 6,630 SH   SOLE   0 0 6,630
Amgen, Inc. COM 031162100 2,508 11,125 SH   SOLE   0 0 11,125
Andersons Inc. COM 034164103 127 4,100 SH   SOLE   0 0 4,100
AngioDynamics Inc. COM 03475V101 341 16,650 SH   SOLE   0 0 16,650
Annaly Cap Mgmt Inc Com COM 035710839 148 8,624 SH   SOLE   0 0 8,624
Apple Inc. COM 037833100 7,145 51,699 SH   SOLE   0 0 51,699
Aqua America, Inc. COM 29670G102 258 6,234 SH   SOLE   0 0 6,234
AT&T Inc. COM 00206R102 414 26,992 SH   SOLE   0 0 26,992
Ball Corp COM 058498106 532 11,000 SH   SOLE   0 0 11,000
Bank of America COM 060505104 443 14,678 SH   SOLE   0 0 14,678
Bank of Nova Scotia COM 064149107 195 4,100 SH   SOLE   0 0 4,100
Barrick Gold Corp. COM 067901108 466 30,060 SH   SOLE   0 0 30,060
Baxter Int'l Inc. COM 071813109 428 7,950 SH   SOLE   0 0 7,950
Becton Dickinson & Co. COM 075887109 185 829 SH   SOLE   0 0 829
Berkshire Hathaway Inc B CL B COM 084670702 1,563 5,852 SH   SOLE   0 0 5,852
BioMarin Pharmaceutical Inc COM 09061G101 153 1,800 SH   SOLE   0 0 1,800
BlackRock Municipal Target Term COM 09257P105 160 7,800 SH   SOLE   0 0 7,800
Bristol-Myers Squibb COM 110122108 736 10,350 SH   SOLE   0 0 10,350
California Water Service COM 130788102 316 6,000 SH   SOLE   0 0 6,000
Caterpillar Inc. COM 149123101 291 1,772 SH   SOLE   0 0 1,772
Celanese Corp COM 150870103 1,055 11,675 SH   SOLE   0 0 11,675
Chevron Corp. COM 166764100 351 2,443 SH   SOLE   0 0 2,443
Chipotle Mexican Grill, Inc. COM 169656105 150 100 SH   SOLE   0 0 100
Cintas Corp COM 172908105 155 400 SH   SOLE   0 0 400
Cisco Systems COM 17275R102 1,221 30,532 SH   SOLE   0 0 30,532
Cleveland Cliffs Inc. COM 185899101 249 18,500 SH   SOLE   0 0 18,500
CME Group COM 12572Q105 500 2,825 SH   SOLE   0 0 2,825
CMS Energy Corp. COM 125896100 136 2,336 SH   SOLE   0 0 2,336
Coca Cola COM 191216100 513 9,150 SH   SOLE   0 0 9,150
Comcast Corporation COM 20030N101 1,026 34,974 SH   SOLE   0 0 34,974
CommScope Holding Co. Inc. COM 20337X109 212 23,000 SH   SOLE   0 0 23,000
ConocoPhillips COM 20825C104 347 3,392 SH   SOLE   0 0 3,392
Corteva Inc. COM 22052L104 142 2,476 SH   SOLE   0 0 2,476
Costco Wholesale Corp. COM 22160K105 2,964 6,277 SH   SOLE   0 0 6,277
CVS Health Corp. COM 126650100 418 4,385 SH   SOLE   0 0 4,385
Deere & Co. COM 244199105 317 950 SH   SOLE   0 0 950
Devon Energy Corp New COM 25179M103 137 2,271 SH   SOLE   0 0 2,271
Diageo Plc C Spons ADR New COM 25243Q205 467 2,750 SH   SOLE   0 0 2,750
Discover Financial Services COM 254709108 350 3,850 SH   SOLE   0 0 3,850
Dollar Tree Inc. COM 256746108 531 3,900 SH   SOLE   0 0 3,900
Dominion Energy, Inc. COM 25746U109 789 11,414 SH   SOLE   0 0 11,414
Eaton Vance Tax-Advantaged Global Divident Income COM 27828S101 151 10,000 SH   SOLE   0 0 10,000
eBay, Inc. COM 278642103 209 5,668 SH   SOLE   0 0 5,668
Electronic Arts Inc. COM 285512109 220 1,900 SH   SOLE   0 0 1,900
Eli Lilly & Co. COM 532457108 687 2,125 SH   SOLE   0 0 2,125
Enbridge Inc. COM 29250N105 324 8,743 SH   SOLE   0 0 8,743
Enterprise Prods Partners L.P. COM 293792107 293 12,310 SH   SOLE   0 0 12,310
Exxon Mobil Corp COM 30231G102 376 4,309 SH   SOLE   0 0 4,309
FedEx Corp. COM 31428X106 386 2,600 SH   SOLE   0 0 2,600
Fifth Third Bancorp COM 316773100 195 6,090 SH   SOLE   0 0 6,090
First Horizon National Corp. COM 320517105 327 14,300 SH   SOLE   0 0 14,300
Gilead Sciences Inc. COM 375558103 678 10,990 SH   SOLE   0 0 10,990
Goldman Sachs Group COM 38141G104 733 2,500 SH   SOLE   0 0 2,500
Helmerich & Payne COM 423452101 274 7,400 SH   SOLE   0 0 7,400
Hologic, Inc. COM 436440101 339 5,250 SH   SOLE   0 0 5,250
Home Depot COM 437076102 373 1,350 SH   SOLE   0 0 1,350
Honeywell Int'l COM 438516106 1,379 8,261 SH   SOLE   0 0 8,261
Hormel Foods Corp. COM 440452100 164 3,600 SH   SOLE   0 0 3,600
ICICI Bank Ltd. COM 45104G104 370 17,655 SH   SOLE   0 0 17,655
Intel Corp. COM 458140100 240 9,319 SH   SOLE   0 0 9,319
International Business Machines COM 459200101 148 1,246 SH   SOLE   0 0 1,246
International Paper COM 460146103 159 5,000 SH   SOLE   0 0 5,000
iShares MSCI USA Minimum Volatility ETF ETF 46429B697 271 4,100 SH   SOLE   0 0 4,100
iShares Russell 2000 Index Trust ETF 464287655 132 800 SH   SOLE   0 0 800
iShares TIPS Bond ETF ETF 464287176 330 3,150 SH   SOLE   0 0 3,150
Johnson and Johnson COM 478160104 1,163 7,119 SH   SOLE   0 0 7,119
JP Morgan Chase & Co. COM 46625H100 442 4,233 SH   SOLE   0 0 4,233
Keurig Dr Pepper Inc COM 49271V100 245 6,850 SH   SOLE   0 0 6,850
Kimberly Clark COM 494368103 438 3,893 SH   SOLE   0 0 3,893
Liberty Global Inc. Com Ser A CL A COM G5480U120 148 8,986 SH   SOLE   0 0 8,986
Liberty Media Corporation COM 531229607 152 4,040 SH   SOLE   0 0 4,040
Linde PLC COM G5494J103 162 600 SH   SOLE   0 0 600
Lockheed Martin COM 539830109 419 1,085 SH   SOLE   0 0 1,085
Lowes Cos Inc. COM 548661107 412 2,196 SH   SOLE   0 0 2,196
Lumen Technologies COM 550241103 363 49,910 SH   SOLE   0 0 49,910
LyondellBasell Industries N.V. COM N53745100 248 3,300 SH   SOLE   0 0 3,300
M&T Bank Corp COM 55261F104 213 1,210 SH   SOLE   0 0 1,210
Manchester United plc COM G5784H106 246 18,504 SH   SOLE   0 0 18,504
Marathon Petroleum Corp. COM 56585A102 561 5,650 SH   SOLE   0 0 5,650
Mastercard Incorporated COM 57636Q104 142 500 SH   SOLE   0 0 500
McCormick & Co., Inc. COM 579780206 527 7,400 SH   SOLE   0 0 7,400
McDonalds Corp COM 580135101 449 1,946 SH   SOLE   0 0 1,946
MDU Resources Corp. COM 552690109 137 5,025 SH   SOLE   0 0 5,025
Medtronic, Inc. COM G5960L103 610 7,548 SH   SOLE   0 0 7,548
Merck & Co., Inc. COM 58933Y105 1,279 14,853 SH   SOLE   0 0 14,853
Meta Platforms Inc Class A CL A COM 30303M102 328 2,415 SH   SOLE   0 0 2,415
Micron Technology Inc COM 595112103 150 3,000 SH   SOLE   0 0 3,000
Microsoft Corp. COM 594918104 3,260 13,996 SH   SOLE   0 0 13,996
Mondelez International, Inc. COM 609207105 334 6,100 SH   SOLE   0 0 6,100
Motorola Solutions Inc. COM 620076307 259 1,155 SH   SOLE   0 0 1,155
MP Materials Corp. COM 553368101 388 14,200 SH   SOLE   0 0 14,200
Mueller Water Products, Inc. COM 624758108 228 22,227 SH   SOLE   0 0 22,227
National Grid plc. COM 636274409 134 2,593 SH   SOLE   0 0 2,593
New York Community Bancorp, Inc. COM 649445103 410 48,100 SH   SOLE   0 0 48,100
Newell Brands Inc. COM 651229106 133 9,550 SH   SOLE   0 0 9,550
Newmont Mining Corp. COM 651639106 442 10,520 SH   SOLE   0 0 10,520
NextEra Energy, Inc. Com. COM 65339F101 709 9,044 SH   SOLE   0 0 9,044
Nisource Inc. COM 65473P105 419 16,615 SH   SOLE   0 0 16,615
Nokia COM 654902204 451 105,611 SH   SOLE   0 0 105,611
Norfolk Southern Corp COM 655844108 792 3,780 SH   SOLE   0 0 3,780
Northwest Natural Holding Co. COM 66765N105 187 4,300 SH   SOLE   0 0 4,300
NortonLifeLock Inc. COM 668771108 917 45,550 SH   SOLE   0 0 45,550
Novartis A G Spons ADR COM 66987V109 146 1,918 SH   SOLE   0 0 1,918
Nvent Electric Co. COM G6700G107 150 4,742 SH   SOLE   0 0 4,742
Nvidia COM 67066G104 352 2,900 SH   SOLE   0 0 2,900
Occidental Petroleum COM 674599105 311 5,060 SH   SOLE   0 0 5,060
Old Republic International Corp. COM 680223104 323 15,450 SH   SOLE   0 0 15,450
Oneok Inc. (Oklahoma) COM 682680103 408 7,962 SH   SOLE   0 0 7,962
Oracle Systems Corp. COM 68389X105 281 4,594 SH   SOLE   0 0 4,594
Organon &Co Common Stock COM 68622V106 169 7,214 SH   SOLE   0 0 7,214
Owens Glass, Inc. COM 67098H104 162 12,500 SH   SOLE   0 0 12,500
PayPal Holdings Inc. COM 70450Y103 617 7,168 SH   SOLE   0 0 7,168
Pentair, Inc. COM G7S00T104 176 4,342 SH   SOLE   0 0 4,342
Pepsico Inc. COM 713448108 395 2,419 SH   SOLE   0 0 2,419
Pfizer Inc. COM 717081103 990 22,624 SH   SOLE   0 0 22,624
Phillips 66 Common Stock COM 718546104 161 1,996 SH   SOLE   0 0 1,996
Pricesmart Inc. COM 741511109 689 11,960 SH   SOLE   0 0 11,960
QUALCOMM, Inc. COM 747525103 1,853 16,402 SH   SOLE   0 0 16,402
Sanofi ADR COM 80105N105 280 7,365 SH   SOLE   0 0 7,365
Sempra Energy COM 816851109 637 4,250 SH   SOLE   0 0 4,250
Sensata Technologies Holding plc COM G8060N102 138 3,700 SH   SOLE   0 0 3,700
Sonoco Products Co. COM 835495102 267 4,700 SH   SOLE   0 0 4,700
Suncor Energy Inc. COM 867224107 231 8,200 SH   SOLE   0 0 8,200
T. Rowe Price Group, Inc. COM 74144T108 179 1,700 SH   SOLE   0 0 1,700
Target Corp Com COM 87612E106 134 900 SH   SOLE   0 0 900
Teck Resources Ltd COM 878742204 490 16,100 SH   SOLE   0 0 16,100
Tejon Ranch Co. COM 879080109 191 13,258 SH   SOLE   0 0 13,258
Telephone & Data Sys. COM 879433829 156 11,256 SH   SOLE   0 0 11,256
The Blackstone Group COM 09260D107 490 5,850 SH   SOLE   0 0 5,850
Total Sa COM 89151E109 126 2,700 SH   SOLE   0 0 2,700
Transcanada Corp. COM 87807B107 201 5,000 SH   SOLE   0 0 5,000
TreeHouse Foods, Inc. COM 89469A104 467 11,000 SH   SOLE   0 0 11,000
Tutor Perini Corp COM 901109108 158 28,660 SH   SOLE   0 0 28,660
Uber Technologies, Inc. COM 90353T100 273 10,300 SH   SOLE   0 0 10,300
Unilever Plc Spon ADR New COM 904767704 213 4,850 SH   SOLE   0 0 4,850
Union Pacific COM 907818108 284 1,456 SH   SOLE   0 0 1,456
United Parcel Service COM 911312106 1,199 7,420 SH   SOLE   0 0 7,420
Vanguard Div. Apprec. ETF ETF 921908844 333 2,464 SH   SOLE   0 0 2,464
Verizon Communications COM 92343V104 207 5,449 SH   SOLE   0 0 5,449
Vishay Intertechnology COM 928298108 203 11,394 SH   SOLE   0 0 11,394
VMWare Inc. COM 928563402 153 1,440 SH   SOLE   0 0 1,440
Walt Disney Company COM 254687106 1,844 19,544 SH   SOLE   0 0 19,544
WARNER BROS. DISCOVERY SRS A ORD WI COM 934423104 177 15,352 SH   SOLE   0 0 15,352
Waste Management, Inc. COM 94106L109 208 1,300 SH   SOLE   0 0 1,300