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   3,075 30,095 SH   SOLE   0 0 30,095
ADT, Inc. COM 00090Q103   4,368 574,733 SH   SOLE   0 0 574,733
APA Corporation COM 03743Q108   2,364 80,291 SH   SOLE   0 0 80,291
AT&T, Inc. COM 00206R102   635 33,236 SH   SOLE   0 0 33,236
AbbVie, Inc. COM 00287y109   3,054 17,804 SH   SOLE   0 0 17,804
Abbott Laboratories COM 002824100   3,707 35,673 SH   SOLE   0 0 35,673
Accenture Ltd COM g1151c101   35,100 115,686 SH   SOLE   0 0 115,661
Adams Diversified Equity Fund, COM 006212104   537 25,000 SH   SOLE   0 0 25,000
Advanced Micro Devices COM 007903107   212 1,309 SH   SOLE   0 0 1,309
Agnico Eagle Mines COM 008474108   8,988 137,427 SH   SOLE   0 0 137,427
Alamos Gold Cl A COM 011532108   314 20,000 SH   SOLE   0 0 20,000
AllState Corp. COM 020002101   1,184 7,413 SH   SOLE   0 0 7,413
Alphabet Inc. Class A COM 02079k305   4,569 25,083 SH   SOLE   0 0 25,083
Alphabet Inc. Class C COM 02079k107   38,280 208,702 SH   SOLE   0 0 208,627
Altria Group, Inc. COM 02209s103   1,040 22,830 SH   SOLE   0 0 22,830
Amazon.com COM 023135106   31,840 164,763 SH   SOLE   0 0 164,743
American Airlines Grp COM 02376R102   230 20,267 SH   SOLE   0 0 20,267
American Express Co. COM 025816109   1,399 6,040 SH   SOLE   0 0 6,040
American Int'l Group COM 026874784   1,237 16,665 SH   SOLE   0 0 16,665
Amgen Inc. COM 031162100   7,297 23,353 SH   SOLE   0 0 23,353
Apple Inc. COM 037833100   56,366 267,621 SH   SOLE   0 0 267,577
Applied Materials Inc. COM 038222105   515 2,181 SH   SOLE   0 0 2,181
AutoZone COM 053332102   587 198 SH   SOLE   0 0 198
BP PLC COM 055622104   3,155 87,406 SH   SOLE   0 0 87,406
BankAmerica Corp. COM 060505104   6,635 166,822 SH   SOLE   0 0 166,643
Berkshire Hathaway 'A' COM 084670108   1,224 2 SH   SOLE   0 0 2
Berkshire Hathaway 'B' COM 084670702   123,507 303,606 SH   SOLE   0 0 303,606
Beyond, Inc. COM 690370101   1,693 129,415 SH   SOLE   0 0 129,415
Bladex COM P16994132   10,026 337,932 SH   SOLE   0 0 337,932
Boeing Co. COM 097023105   5,742 31,549 SH   SOLE   0 0 31,543
Bristol Myers Squibb COM 110122108   1,310 31,532 SH   SOLE   0 0 31,532
Broadcom, Inc. COM 11135F101   432 269 SH   SOLE   0 0 269
Brookdale Sr Living Inc COM 112463104   3,265 477,995 SH   SOLE   0 0 477,995
Brookfield Asset Mgmt COM 113004105   3,244 85,258 SH   SOLE   0 0 85,258
Brookfield Corp. COM 11271J107   5,650 136,002 SH   SOLE   0 0 136,002
CIGNA Corp. COM 125523100   410 1,241 SH   SOLE   0 0 1,241
CVS Health Corp. COM 126650100   3,634 61,529 SH   SOLE   0 0 61,529
Cable One Inc COM 12685j105   1,621 4,580 SH   SOLE   0 0 4,580
Carrier Global Corp. COM 14448C104   2,231 35,374 SH   SOLE   0 0 35,338
Caterpillar Inc. COM 149123101   13,197 39,617 SH   SOLE   0 0 39,617
Chevron Corp. COM 166764100   5,234 33,464 SH   SOLE   0 0 33,464
Chipotle Mexican Grill, Inc. C COM 169656105   241 3,850 SH   SOLE   0 0 3,850
Cisco Systems Inc. COM 17275R102   5,115 107,670 SH   SOLE   0 0 107,670
Citigroup Inc. COM 172967424   226 3,563 SH   SOLE   0 0 3,563
Cleveland Cliffs COM 185896107   1,878 122,000 SH   SOLE   0 0 122,000
Coca Cola Co. COM 191216100   4,393 69,026 SH   SOLE   0 0 69,026
Comcast Corp. - Class A COM 20030n101   4,803 122,640 SH   SOLE   0 0 122,640
Compass Minerals Int'l COM 20451n101   2,448 237,000 SH   SOLE   0 0 237,000
ConocoPhillips COM 20825c104   661 5,779 SH   SOLE   0 0 5,779
Constellation Brands Inc. Clas COM 21036P108   4,535 17,625 SH   SOLE   0 0 17,625
CoreCivic, Inc. COM 21871N101   6,818 525,279 SH   SOLE   0 0 525,279
Costco Wholesale COM 22160K105   1,332 1,567 SH   SOLE   0 0 1,567
DXC Technology Co. COM 23355l106   3,735 195,626 SH   SOLE   0 0 195,626
Danaher Corp. COM 235851102   1,998 7,998 SH   SOLE   0 0 7,998
Darden Restaurants, Inc. COM 237194105   649 4,289 SH   SOLE   0 0 4,289
Delta Airlines Inc. COM 247361702   2,003 42,229 SH   SOLE   0 0 42,229
Diageo PLC COM 25243Q205   2,002 15,883 SH   SOLE   0 0 15,867
Discover Financial Service COM 254709108   239 1,825 SH   SOLE   0 0 1,825
Dominion Energy Inc. COM 25746u109   1,307 26,672 SH   SOLE   0 0 26,646
Duke Energy Corp. COM 26441c204   2,208 22,028 SH   SOLE   0 0 22,028
Ecolab Inc. COM 278865100   229 964 SH   SOLE   0 0 964
Edwards Lifesciences Corp COM 28176E108   543 5,876 SH   SOLE   0 0 5,876
Eli Lilly & Co. COM 532457108   447 494 SH   SOLE   0 0 494
Energold Drilling Corp COM 29268a103   0 10,000 SH   SOLE   0 0 10,000
Equity Commonwealth COM 294628102   6,470 333,500 SH   SOLE   0 0 333,500
Exxon Mobil Corp. COM 30231G102   16,137 140,173 SH   SOLE   0 0 140,142
Fairfax Financial Hld COM 303901102   119,570 105,128 SH   SOLE   0 0 105,128
FedEx Corp. COM 31428X106   18,824 62,780 SH   SOLE   0 0 62,780
Fiserv COM 337738108   13,300 89,241 SH   SOLE   0 0 89,241
Fox Corp. Cl A COM 35137L105   355 10,336 SH   SOLE   0 0 10,336
GE Aerospace COM 369604301   509 3,204 SH   SOLE   0 0 3,204
General Mills Inc. COM 370334104   830 13,127 SH   SOLE   0 0 13,127
Geo Group Inc COM 36162j106   3,906 272,000 SH   SOLE   0 0 272,000
Goldman Sachs Group COM 38141g104   16,929 37,428 SH   SOLE   0 0 37,410
Graham Holdings Co COM 384637104   3,568 5,100 SH   SOLE   0 0 5,100
HCA Healthcare, Inc. COM 40412C101   131,527 409,386 SH   SOLE   0 0 409,386
Halliburton Inc. COM 406216101   8,892 263,231 SH   SOLE   0 0 263,194
Healthpeak Properties Inc. COM 42250P103   1,409 71,878 SH   SOLE   0 0 71,878
Henry Schein, Inc. COM 806407102   1,887 29,440 SH   SOLE   0 0 29,415
Hewlett Packard Ent COM 42824c109   1,600 75,584 SH   SOLE   0 0 75,584
Home Depot Inc. COM 437076102   9,310 27,046 SH   SOLE   0 0 27,021
Honeywell Intl. COM 438516106   7,547 35,343 SH   SOLE   0 0 35,343
Intel Corp. COM 458140100   6,778 218,845 SH   SOLE   0 0 218,764
International Business Machine COM 459200101   2,282 13,197 SH   SOLE   0 0 13,197
Intuit Inc COM 461202103   1,558 2,370 SH   SOLE   0 0 2,370
Iron Mountain, Inc. COM 46284V101   2,189 24,425 SH   SOLE   0 0 24,425
J. P. Morgan Chase & Co. Inc. COM 46625h100   4,928 24,362 SH   SOLE   0 0 24,337
Jefferies Financial Grp COM 47233W109   5,859 117,740 SH   SOLE   0 0 117,740
Johnson & Johnson COM 478160104   17,750 121,441 SH   SOLE   0 0 121,411
Johnson Controls International COM g51502105   220 3,308 SH   SOLE   0 0 3,308
KKR & Co., Inc. Cl A COM 48251w104   2,018 19,171 SH   SOLE   0 0 19,171
Kinross Gold Corp COM 496902404   179 21,466 SH   SOLE   0 0 21,466
Kraft Heinz Company COM 500754106   294 9,117 SH   SOLE   0 0 9,117
L3Harris Technologies, Inc COM 502431109   503 2,239 SH   SOLE   0 0 2,239
Loews Corp. COM 540424108   13,379 179,007 SH   SOLE   0 0 179,007
Lowes Companies COM 548661107   16,533 74,991 SH   SOLE   0 0 74,991
Lumen Technologies COM 550241103   89 80,470 SH   SOLE   0 0 80,470
M&T Bank Corp. COM 55261f104   3,535 23,354 SH   SOLE   0 0 23,354
Marathon Petroleum Corp. COM 56585a102   570 3,285 SH   SOLE   0 0 3,285
MasterCard Inc. COM 57636Q104   429 972 SH   SOLE   0 0 972
McDonalds Corp. COM 580135101   3,682 14,450 SH   SOLE   0 0 14,450
McKesson Corp. COM 58155Q103   1,531 2,622 SH   SOLE   0 0 2,622
Medical Properties Trust Reit COM 58463J304   98 22,640 SH   SOLE   0 0 22,640
Medtronic PLC COM G5960L103   10,147 128,916 SH   SOLE   0 0 128,866
MercadoLibre, Inc. COM 58733R102   329 200 SH   SOLE   0 0 200
Merck & Company Inc. COM 58933y105   12,381 100,006 SH   SOLE   0 0 99,931
Meta Platforms, Inc. COM 30303m102   9,112 18,071 SH   SOLE   0 0 18,059
Microsoft Corp. COM 594918104   45,354 101,473 SH   SOLE   0 0 101,436
Mondelez Int'l Inc COM 609207105   14,200 216,995 SH   SOLE   0 0 216,995
Morgan Stanley COM 617446448   628 6,463 SH   SOLE   0 0 6,463
NOV Inc. COM 62955J103   4,695 247,000 SH   SOLE   0 0 247,000
National Health Invstrs COM 63633d104   5,089 75,140 SH   SOLE   0 0 75,140
Nestle SA Sponsored Reg COM 641069406   262 2,557 SH   SOLE   0 0 2,557
Newmont Mining Corp COM 651639106   869 20,759 SH   SOLE   0 0 20,759
NextEra Energy, Inc. COM 65339f101   717 10,125 SH   SOLE   0 0 10,125
Nike COM 654106103   3,387 44,942 SH   SOLE   0 0 44,892
Norfolk Southern Corp. COM 655844108   684 3,185 SH   SOLE   0 0 3,185
Northrop Grumman COM 666807102   291 668 SH   SOLE   0 0 668
Northwest Biotherapeutics, Inc COM 66737P600   9 20,000 SH   SOLE   0 0 20,000
Novartis AG COM 66987v109   834 7,830 SH   SOLE   0 0 7,830
Nvidia Corp COM 67066G104   10,482 84,851 SH   SOLE   0 0 84,851
O-I Glass, Inc. COM 67098H104   1,404 126,145 SH   SOLE   0 0 126,145
Oracle COM 68389x105   6,427 45,519 SH   SOLE   0 0 45,519
Otis Worldwide Corp. COM 68902V107   830 8,625 SH   SOLE   0 0 8,625
Owens Corning COM 690742101   1,743 10,031 SH   SOLE   0 0 10,031
PINK Simplify Health Care ETF COM 82889N772   4,367 139,083 SH   SOLE   0 0 139,083
Palo Alto Networks, Inc. COM 697435105   806 2,377 SH   SOLE   0 0 2,377
Pan American Silver COM 697900108   299 15,036 SH   SOLE   0 0 15,036
PayPal Holdings Inc. COM 70450Y103   962 16,576 SH   SOLE   0 0 16,576
PepsiCo Inc. COM 713448108   2,619 15,880 SH   SOLE   0 0 15,880
Pfizer Inc. COM 717081103   3,606 128,861 SH   SOLE   0 0 128,708
Philip Morris Intl COM 718172109   5,860 57,830 SH   SOLE   0 0 57,818
Phillips 66 COM 718546104   1,331 9,426 SH   SOLE   0 0 9,426
Pinnacle Financial Partners COM 72346q104   16,092 201,048 SH   SOLE   0 0 201,011
Procter & Gamble Co. COM 742718109   14,853 90,063 SH   SOLE   0 0 90,038
Prologis Inc. COM 74340w103   335 2,983 SH   SOLE   0 0 2,983
Provectus Biophamaceuticals COM 74373p108   6 50,000 SH   SOLE   0 0 50,000
Provision Holding, Inc. Com COM 744121104   0 221,450 SH   SOLE   0 0 221,450
RTX Corporation COM 75513E101   14,620 145,632 SH   SOLE   0 0 145,596
Regions Financial Corp. COM 7591ep100   4,229 211,042 SH   SOLE   0 0 211,042
Republic Services Inc. COM 760759100   12,191 62,728 SH   SOLE   0 0 62,666
Rimini Street, Inc. COM 76674Q107   61 20,000 SH   SOLE   0 0 20,000
Roche Holdings COM 771195104   327 9,435 SH   SOLE   0 0 9,435
Russell 2000 Index Fund COM 464287655   341 1,680 SH   SOLE   0 0 1,669
S & P 500 Index Depository Rec COM 78462F103   1,459 2,681 SH   SOLE   0 0 2,681
SPDR Gold Trust COM 78463V107   934 4,344 SH   SOLE   0 0 4,344
SPDR S&P 500 Value ETF COM 78464A508   3,263 66,950 SH   SOLE   0 0 66,950
SPDR Utilities Select COM 81369Y886   1,144 16,789 SH   SOLE   0 0 16,789
Salesforce.com, Inc. COM 79466L302   338 1,315 SH   SOLE   0 0 1,315
Schlumberger Ltd. COM 806857108   4,997 105,919 SH   SOLE   0 0 105,919
Select Basic Materials Sector COM 81369y100   2,363 26,760 SH   SOLE   0 0 26,760
Shell PLC COM 780259305   978 13,556 SH   SOLE   0 0 13,556
Solventum Corp. COM 83444M101   231 4,359 SH   SOLE   0 0 4,359
Southern Co. COM 842587107   389 5,020 SH   SOLE   0 0 5,020
Southwest Airlines Co. COM 844741108   1,060 37,043 SH   SOLE   0 0 37,043
Starbucks Corp. COM 855244109   3,794 48,731 SH   SOLE   0 0 48,731
Stryker COM 863667101   4,970 14,607 SH   SOLE   0 0 14,589
SunCoke Energy COM 86722A103   245 25,000 SH   SOLE   0 0 25,000
Sysco Corp. COM 871829107   12,754 178,658 SH   SOLE   0 0 178,622
TE Connectivity Ltd COM H84989104   453 3,011 SH   SOLE   0 0 3,011
TEGNA, Inc. COM 87901j105   3,313 237,695 SH   SOLE   0 0 237,695
TJX Companies, Inc. COM 872540109   1,052 9,559 SH   SOLE   0 0 9,559
Tapestry, Inc. COM 876030107   1,469 34,323 SH   SOLE   0 0 34,323
Target Corporation COM 87612e106   4,159 28,095 SH   SOLE   0 0 28,095
Tejon Ranch Co. COM 879080109   802 47,000 SH   SOLE   0 0 47,000
Teledyne Technologies Inc. COM 879360105   329 847 SH   SOLE   0 0 847
Tesla, Inc. COM 88160R101   514 2,597 SH   SOLE   0 0 2,597
Toyota Motor Corp. COM 892331307   516 2,517 SH   SOLE   0 0 2,517
Tractor Supply Co COM 892356106   742 2,749 SH   SOLE   0 0 2,749
Travelers Inc. COM 89417e109   3,558 17,496 SH   SOLE   0 0 17,496
Truist Financial Corp. COM 89832Q109   2,244 57,753 SH   SOLE   0 0 57,653
Truxton Corp. COM 89845y107   782 12,650 SH   SOLE   0 0 12,650
US Bancorp COM 902973304   1,972 49,660 SH   SOLE   0 0 49,660
Union Pacific Corp. COM 907818108   227 1,002 SH   SOLE   0 0 1,002
United Parcel Svc. Cl B COM 911312106   7,052 51,532 SH   SOLE   0 0 51,507
United Rentals, Inc. COM 911363109   20,715 32,031 SH   SOLE   0 0 32,031
UnitedHealth Group COM 91324P102   6,509 12,781 SH   SOLE   0 0 12,781
Valero Energy Corp. COM 91913y100   464 2,963 SH   SOLE   0 0 2,963
VanEck Vectors Oil Services ET COM 92189h607   2,489 7,872 SH   SOLE   0 0 7,872
Vanguard Emerging Markets ETF COM 922042858   3,714 84,866 SH   SOLE   0 0 84,832
Vanguard Growth ETF COM 922908736   520 1,390 SH   SOLE   0 0 1,390
Vanguard Health Care ETF COM 92204A504   277 1,041 SH   SOLE   0 0 1,041
Vanguard High Dividend Yield E COM 921946406   683 5,758 SH   SOLE   0 0 5,758
Vanguard Index Total Stock Fun COM 922908769   789 2,948 SH   SOLE   0 0 2,948
Vanguard Large-Cap Exchanged T COM 922908637   1,054 4,224 SH   SOLE   0 0 4,224
Vanguard Mid-Cap Exchange Trad COM 922908629   632 2,610 SH   SOLE   0 0 2,610
Vanguard Small-Cap Growth ETF COM 922908595   473 1,890 SH   SOLE   0 0 1,890
Vanguard Small-Cap VIPERs COM 922908751   881 4,040 SH   SOLE   0 0 4,040
Verizon Comm. COM 92343v104   387 9,392 SH   SOLE   0 0 9,392
ViaSat Inc COM 92552v100   3,531 278,000 SH   SOLE   0 0 278,000
Visa Inc COM 92826C839   16,465 62,731 SH   SOLE   0 0 62,719
Vitesse Energy, Inc. COM 92852X103   3,430 144,715 SH   SOLE   0 0 144,715
Vulcan Materials COM 929160109   2,025 8,142 SH   SOLE   0 0 8,142
Wal-Mart Stores Inc. COM 931142103   11,308 167,010 SH   SOLE   0 0 167,010
Walt Disney Co. COM 254687106   11,926 120,111 SH   SOLE   0 0 120,084
Warner Bros. Discovery COM 934423104   337 45,285 SH   SOLE   0 0 45,285
Wells Fargo & Co. COM 949746101   3,516 59,196 SH   SOLE   0 0 59,146
White Mountain Ins COM G9618E107   5,967 3,283 SH   SOLE   0 0 3,283
Zimmer Biomet Holdings, Inc. COM 98956p102   286 2,631 SH   SOLE   0 0 2,631
Zoetis, Inc. COM 98978v103   4,843 27,935 SH   SOLE   0 0 27,935
iShares Core S&P MidCap ETF COM 464287507   282 4,827 SH   SOLE   0 0 4,827
iShares DJ Select Dividend Ind COM 464287168   397 3,285 SH   SOLE   0 0 3,285
iShares MSCI EAFE Index Fund COM 464287465   1,249 15,949 SH   SOLE   0 0 15,949
iShares MSCI Emerging Markets COM 464287234   1,652 38,785 SH   SOLE   0 0 38,785
iShares MSCI Pacific Rim COM 464286665   894 20,795 SH   SOLE   0 0 20,795
iShares Russell 1000 Index ETF COM 464287622   2,794 9,390 SH   SOLE   0 0 9,360
iShares Russell Mid-Cap Index COM 464287499   599 7,384 SH   SOLE   0 0 7,340
iShares Russell Value Index COM 464287598   1,667 9,557 SH   SOLE   0 0 9,557
iShares S&P 500 Core Index ETF COM 464287200   403 736 SH   SOLE   0 0 736
iShares S&P SmallCap 600 Index COM 464287804   3,637 34,101 SH   SOLE   0 0 34,101
iShares TR Russell 1000 Growth COM 464287614   1,246 3,417 SH   SOLE   0 0 3,417
iShares Tr MSCI ACWI ETF COM 464288257   750 6,672 SH   SOLE   0 0 6,672
iShares US Insurance ETF COM 464288786   3,845 34,048 SH   SOLE   0 0 34,048